Heartland Enterprise

Powerful payment solutions to support your growing business

Take online payments to the next level with Heartland’s enterprise e-commerce gateway – Realex.

Realex empowers you to accept all card-not-present payments: online, on mobile and over the phone. Accept payments 24/7 from local and international customers so your payments scale as your business grows – whether in the USA, Canada, or internationally.

Available to Heartland merchants, Realex is feature rich and helps improve shopper conversions, reduce friction at checkout, grow repeat purchases, secure your customers’ payment information and minimize total cost of payment acceptance. Plus, merchants continue to enjoy best-in-class service and support from Heartland.


We deliver a mobile-optimized online payments solution that integrates seamlessly with your website to maximize e-commerce revenue for your business.

Fast, simple integrations

  • We offer a full range of integration options, including a fully-hosted payment page to minimize your PCI scope by up to 96% or an API to enable you to create and customize your own checkout page completely.
  • You can also download plugins to popular shopping carts or use one of our SDKs to make integration a breeze and help shorten development timelines – minimizing development costs.

Improve shopper conversions and reduce friction at checkout by accepting your customers’ preferred payment type – and in their local currency

  • Make it easy for customers to buy from you no matter where they come from by accepting credit cards, PayPal, Apple Pay and local payment methods like European direct debit (such as SOFORT, Giropay, and ELV).
  • Use Dynamic Currency Conversion (DCC) and Multi-Currency Processing (MCP) so international customers know how much they’re paying – whether in USD, EUR, GBP or any of the more than 150 currencies that are available.

By phone:

Our Virtual Terminal solution is a secure, browser-based solution to process card-not-present payments over the phone.

  • Accept and authorize mail order / telephone order (MOTO) payments and return transaction results in real time.
  • In addition, our Interactive Voice Response (IVR) solution automates phone payments, capturing data via touch-tone prompts, reducing PCI DSS scope for your business.
  • We’ll take care of payments; encrypting, transmitting and storing sensitive card details within our PCI DSS v3.2 compliant environment.


We take care of repeat payments completely, enabling you to set up recurring payments through a secure browser-based reporting tool, which stores payment data in our PCI-DSS compliant environment.

Grow repeat purchases

  • Recurring billing and card storage functionality help make it easy and secure for customers to make repeat purchases. Card information is securely stored by Realex – not on your servers – helping to minimize your PCI responsibility.
  • The Realex card storage solution securely stores customers’ card details by replacing sensitive payment data with unique tokens that render the data worthless to hackers. This creates a seamless and secure payment experience, removing the need for loyal customers to re-enter payment details, while reducing compliance overheads.

Realex also provides a variety of supporting services to maximize conversion and minimize fraud.

Reduce the risk of fraudulent transactions with a range of fraud solutions:

  • The Realex built-in solution helps you to detect and prevent fraudulent transactions to optimize conversion with customizable and simple-to-implement fraud rules.
  • The Realex advanced fraud solution, Cybersource’s Decision Manager, delivers insight from over 68 billion global Visa transactions to help you reduce fraud and maximize conversion, through 260 customizable fraud checks to optimize legitimate payments whilst minimizing the cost of fraudulent orders.
  • Authenticate consumers and validate card information with 3-D Secure, AVS and CVV checks to protect your business against potential losses.

Information at your fingertips

  • RealControl provides your business with transaction reporting to view and manage payment activity. Plus, it also serves as a customer management portal and virtual terminal to accept mail order/ telephone order (MOTO) payments.

Support when you need it

  • US-based support available 24x7 to answer any questions you may have.

Integrate with Realex Today.

Register for the Realex Developer Hub

Access documentation, SDKs, shopping cart plugins and more to help you complete your integration in little time.

Register Now

Integrate with Realex

To begin processing payments through Realex and Heartland, download one of our easy-to-install plugins or build your solution from scratch using one of our SDKs.

Integrate Now

Ready to begin using Realex?

Contact the Heartland e-Commerce team today!
Reach us at 1-844-814-4026 or insidesales_ecomm@e-hps.com.

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