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E-Commerce · head to head

Checkout.com vs Heartland Retail

Checkout.com logo

Checkout.com

E-Commerce

Your business deserves tailored pricing based on your needs

From
On request
Rated
-
Full reviewWebsite
Heartland Retail logo

Heartland Retail

E-Commerce

Cloud point of sale and inventory management sold alongside Heartland card processing

From
$150/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Checkout.com no rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales; Heartland Retail the software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Checkout.com and Heartland Retail actually diverge.

Attributes where Checkout.com and Heartland Retail differ
AttributeCheckout.comHeartland Retail
Starting priceOn request$150/month
Pricing modelquotesubscription
FoundedUnknown1997

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Checkout.com

Nothing recorded that Heartland Retail does not also cover.

Only in Heartland Retail

  • Multi-store inventory
  • Cloud point of sale
  • Purchasing and receiving
  • Customer records
  • Sales and stock reporting
  • Integrated card processing
  • E-commerce integrations

What people use each for

The jobs each tool is most often brought in to do.

Checkout.com

  • Processing card payments across 150+ currenciesnot Heartland Retail
  • Taking domestic payments in 45+ countriesnot Heartland Retail
  • Interchange plus plus processing for a business that wants itemised card association and processor costsnot Heartland Retail

Heartland Retail

  • A specialty retailer opening a third or fourth site that needs one stock position across all of themnot Checkout.com
  • Replacing a legacy on-premise till system that requires a server in the back office of every storenot Checkout.com
  • A retailer whose buying team needs purchase orders and receiving rather than just a cash registernot Checkout.com
  • An existing Heartland processing customer consolidating software and payments under one suppliernot Checkout.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Checkout.com

  • No rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Both a flat rate and interchange plus plus are offered without either being quoted, so a buyer cannot tell which model they will be given
  • Every route to a number runs through the sales team

Heartland Retail

  • The software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Leaving means changing till software and merchant account together, and since the payment terminals, the reporting history and the staff training are all tied to the same supplier, the switching cost is far higher than a software migration alone.
  • It is not an online store platform, so a merchant selling on the web still buys and maintains a separate e-commerce platform, and the stock and order integration between the two is an ongoing operational dependency rather than a one-off setup.
  • Historical sales and customer purchase history rarely migrate cleanly out of a point of sale system, so a retailer who switches typically starts with an empty history and keeps the old system read-only, paying for it, for years.
  • Heartland sits within Global Payments, a group that has repeatedly restructured its portfolio through acquisitions and divestitures, so which entity owns and invests in this specific product is not stable over a long contract term.

Pricing, plan by plan

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

Which should you pick?

Choose Checkout.com if

Nothing in the data separates Checkout.com from Heartland Retail on the points above - pick on price and on how each one feels to use.

Checkout.com review

Choose Heartland Retail if

  • You need multi-store inventory.
  • You also want cloud point of sale.
Heartland Retail review

Questions people ask

Is Checkout.com or Heartland Retail better?
Neither clearly leads. Checkout.com starts at On request and Heartland Retail at $150/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Checkout.com or Heartland Retail?
Checkout.com starts at On request and Heartland Retail at $150/month.
Does Checkout.com or Heartland Retail run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Checkout.com best used for?
Checkout.com is most often used for processing card payments across 150+ currencies, taking domestic payments in 45+ countries, interchange plus plus processing for a business that wants itemised card association and processor costs. Of those, processing card payments across 150+ currencies and taking domestic payments in 45+ countries are not what Heartland Retail is typically brought in for.
What can Checkout.com do that Heartland Retail cannot?
Heartland Retail covers Multi-store inventory, Cloud point of sale, Purchasing and receiving, Customer records.

Answered from the vendors’ own pages

Checkout.com: How is Checkout.com pricing structured?

Checkout.com offers flat-rate pricing based on your business profile and risk category. They also provide interchange++ pricing model showing transparent card association and processor fees. No setup fees, account maintenance fees, or surprise charges are applied.

Source
Heartland Retail: Can I use it as my online store?

No. It manages the shop floor and stock. Selling online means a separate e-commerce platform and an integration to keep the catalogue and stock aligned.

Checkout.com: Does Checkout.com offer pricing for nonprofits?

Yes, Checkout.com provides free payment processing for registered charities in countries where they operate. Contact their sales team to verify eligibility and activate the charity program.

Source
Heartland Retail: Do I have to use Heartland for card processing?

The product is sold as part of a payments relationship, and that is where the supplier's margin sits. Ask explicitly what the software costs standalone before assuming you have a choice.

Checkout.com: What support is included in Checkout.com pricing?

All plans include dedicated account management, risk and fraud management tools, and integration support at no additional cost.

Source
Heartland Retail: What should I negotiate hardest on?

The card processing rate and the contract term, not the software subscription. Ask for interchange-plus pricing in writing rather than a blended rate.

Heartland Retail: What happens to my sales history if I leave?

Assume products and current stock export cleanly and that years of transaction history do not. Budget for keeping the old system available read-only during any transition.

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