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E-Commerce · head to head

Heartland Retail vs Sellfy

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
Sellfy logo

Sellfy

E-Commerce

Ecommerce platform for creators and entrepreneurs

From
$22/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Sellfy every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • They diverge on capability: Heartland Retail covers Multi-store inventory, Sellfy covers Physical & digital products.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Heartland Retail and Sellfy actually diverge.

Attributes where Heartland Retail and Sellfy differ
AttributeHeartland RetailSellfy
Starting price$150/month$22/month
Founded19972013

Identical on both: pricing model (subscription), 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 Heartland Retail

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

Only in Sellfy

  • Physical & digital products
  • Membership/subscription sales
  • Email marketing
  • Marketing automation
  • Affiliate program
  • Analytics
  • Mobile app
  • Multi-currency support

What people use each for

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

Heartland Retail

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

Sellfy

  • Selling digital downloads, subscriptions or print on demand goods from a hosted storefrontnot Heartland Retail
  • Running a small creator store without building a sitenot Heartland Retail

Where each one falls short

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

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.

Sellfy

  • Every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • Exceeding the cap forces a plan upgrade rather than an overage charge, so growth is a step change in cost
  • Maximum file size per digital product is tied to the plan, at 10 GB, 15 GB and 20 GB
  • Email marketing credits are metered per plan, from 2,000 to 50,000
  • Cart abandonment, upselling and the affiliate programme all require the Business plan
  • Payment processing fees from PayPal or Stripe are charged on top of the subscription

Pricing, plan by plan

Heartland Retail

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

Sellfy

$22/month
  • Starter$22/month
    • From $22/month with annual billing (or $39/month with monthly billing)
    • Basic e-commerce features for digital and physical products
  • Business$null/month
    • Mid-tier option with expanded capabilities
  • Premium$null/month
    • Highest tier with up to 20GB per digital product file storage

Which should you pick?

Choose Heartland Retail if

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

Choose Sellfy if

  • You need physical & digital products.
  • You also want membership/subscription sales.
Sellfy review

Questions people ask

Is Heartland Retail or Sellfy better?
Neither clearly leads. Heartland Retail starts at $150/month and Sellfy at $22/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Heartland Retail or Sellfy?
Heartland Retail starts at $150/month and Sellfy at $22/month.
Does Heartland Retail or Sellfy run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Heartland Retail best used for?
Heartland Retail is most often used for a specialty retailer opening a third or fourth site that needs one stock position across all of them, replacing a legacy on-premise till system that requires a server in the back office of every store, a retailer whose buying team needs purchase orders and receiving rather than just a cash register, an existing heartland processing customer consolidating software and payments under one supplier. Of those, a specialty retailer opening a third or fourth site that needs one stock position across all of them and replacing a legacy on-premise till system that requires a server in the back office of every store are not what Sellfy is typically brought in for.
What can Heartland Retail do that Sellfy cannot?
Heartland Retail covers Multi-store inventory, Cloud point of sale, Purchasing and receiving, Customer records. Sellfy covers Physical & digital products, Membership/subscription sales, Email marketing, Marketing automation.

Answered from the vendors’ own pages

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.

Sellfy: How much does Sellfy cost?

Sellfy starts at $22/month for the Starter plan with annual billing ($39/month with monthly billing). Higher tiers (Business and Premium) are available but specific pricing requires contacting sales or visiting the pricing page.

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.

Sellfy: Does Sellfy charge transaction fees?

No, Sellfy charges zero transaction fees on sales, unlike competitors such as Gumroad which charges 10%. If revenue exceeds a plan limit, a 2% fee may apply unless you upgrade to a higher tier.

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.

Sellfy: Does Sellfy offer a free trial?

Yes, new users can access a 14-day free trial with no credit card required. During the trial you can customize store design and add product types, but upgrading to a paid plan is required to start selling.

Source
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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