How to Cancel Your Heartland Account
Review your contract for notice requirements
Heartland contracts typically run 3 years with written notice required 30–90 days before renewal. Check your merchant agreement for the exact notice period and send via certified mail.
Calculate termination costs
If mid-contract, early termination fees are typically $250–$500 plus any remaining equipment lease obligations. Calculate total cost versus ongoing savings.
Determine equipment status
Whether you own or lease your terminals. Owned equipment can be reprogrammed or replaced. Leased equipment obligations continue separately.
Send formal written notice
Send your cancellation notice to the address specified in your agreement via certified mail with return receipt. Keep all documentation.
What to Expect During the Transition
Heartland transitions vary by contract terms. For merchants near renewal, the switch is clean and typically takes 5–10 days. Mid-contract switches require termination fee analysis to confirm the math favors switching despite the fee.
Timeline
Day 1–2: Contract review and application. Day 2–4: Underwriting and approval. Day 4–10: Equipment setup and go-live.
How Liberty Bancard Handles the Switch for You
Liberty Bancard reviews your Heartland contract, calculates termination vs savings analysis, provides equipment for qualifying merchants, handles all underwriting and account setup, and provides go-live support.
What You Need to Get Started
- Last 3 months of Heartland processing statements
- Heartland merchant agreement
- Business bank account information
- Business documentation for underwriting
- Physical address for terminal delivery if needed
Ready to Start?
Upload your Heartland statement and we'll handle the rest — statement review, application, underwriting, equipment, and go-live support. Most merchants are fully live within a week.
Upload Your Statement to Start See Liberty Bancard vs Heartland