Comparison disclosure
BlueFinch publishes this comparison and sells payment services. The linked sources provide the provider facts; judgments about fit are ours. There is no paid ranking or automatic winner.
Primary sources reviewed 2026-10-02.
Published pricing and conditions
Payments+ advertises in-person pricing starting at 2.6% + 10¢.
This is a starting rate, not a complete quote for every merchant or channel.
Heartland describes both flat-rate and interchange-plus options, with eligibility and possible additional fees.
Monthly charges, online/keyed rates, equipment, and the full incidental-fee schedule need a quote before calculating an all-in comparison.
When Heartland may fit
A supported payment device or business integration already fits your workflow.
You want to compare flat-rate and interchange-plus proposals with a named support provider.
You need payment and invoicing capabilities assessed as a package.
When to compare BlueFinch
An eligible BlueFinch program works with your checkout and you want a statement-by-statement comparison.
You can replace software you already use with included tools rather than adding unused features.
Before you switch
Do not use the advertised starting rate as a universal final rate.
Ask for channel-specific prices and eligibility, including debit and online payments.
Check deposit eligibility and fees; faster availability does not mean every account gets identical funding.
Beyond the transaction rate
Hardware: New devices or supported existing hardware; obtain the specific price and ownership terms.
Contracts: Account-specific agreement, cancellation, and separate hardware terms require review.
Funding: Options include instant, same-day, and next-day funding, subject to program and risk eligibility.
Disputes: Dispute-management capability is advertised; the fee schedule is not established here.
Software: Payment, recurring billing, invoicing, and reporting capabilities vary by chosen solution.
Debit treatment: Confirm PIN and other debit pricing with the provider. Use your actual card mix; a credit-card illustration is not a debit quote.
Dual pricing: No applicable dual-pricing terms are established here. Ask about eligibility, posted customer prices and debit handling separately from standard processing.
Review tools: Included review-request and monitoring features were not established from these sources. Confirm the plan and any extra fee.
Website tools: A full business website service was not established from these sources. Confirm what is included and who maintains it.
Analytics: Reporting capabilities depend on the selected solution. Confirm the reports, exports and any separate software fee.
AI tools: An included AI business advisor was not established from these sources. Confirm capabilities, connected data and any separate charge.
The BlueFinch side of the comparison
BlueFinch combines a statement review, a payment proposal for your business and tools for eligible accounts. Before counting savings, check your account terms and which tools you would use.
The published program describes a 0% merchant rate for eligible credit-card transactions configured under approved written terms. That is not a claim that every payment or account is free.
Monthly, debit, PCI, gateway, batch, chargeback, equipment, and account-specific costs must be checked in the written proposal.
The current published offer includes a standalone terminal without an equipment lease, long-term contract, or cancellation fee. Confirm the equipment and services included in your proposal.
Do not replace a working POS or business system until the required integrations, receipts, refunds, and payment channels have been checked.
Compare review requests, website tools, analytics and AI by the enabled features in each account. BlueFinch's toolbox lists availability and connection requirements; a feature name alone does not establish a like-for-like replacement.
Cost model
US dollars. One location or station. Domestic cards in a single channel. Inputs stay in this browser and are not saved or sent.
We don't have a complete price schedule that applies to this provider. Treating a missing fee as $0 would make the comparison misleading.
Transaction count = volume ÷ average ticket, rounded to the nearest whole payment. Charges are calculated from published percentages, per-payment fees, and the selected monthly plan. Wholesale cost is added only when you enter it.
Is BlueFinch always cheaper than Heartland?
No. Compare the actual proposals, payment mix, remaining fees, software you would otherwise buy and any change to customer pricing. This page does not treat missing costs as zero or promise savings.
What should I send for a fair comparison?
Use three complete representative processing statements and a written proposal. Include settled volume, transaction counts, card mix, channel mix, monthly costs, software, hardware, and cancellation terms. Do not send cardholder numbers.
Can I use the model as a quote?
No. It shows arithmetic for the published components and conditions identified here. Custom prices, underwriting, additional services, and card mix can change your bill.
Sources
Heartland Payments+ pricing. Reviewed 2026-10-02. Explicitly a starting rate.
Heartland payments and eligibility. Reviewed 2026-10-02.
Compare the complete bill.
- Merchant statement decoder
Use settled card volume and all fees from the same statement period.
- Analyze your own merchant statement
Compare the proposed account with the full cost of your current statement.
- BlueFinch costs and account charges
See which costs must be confirmed in a complete written proposal.