Heartland Payment Systems is the 4th largest payment processor in the nation and is locally endorsed by Central Pacific Bank and the Hawaii Restaurant Association. We feature an all-inclusive corporate package including credit card processing, check management (remote check deposit), and payroll for small to large businesses. As a cost-plus provider, we are able to offer wholesale rates on credit card processing because we DIRECTLY process for Visa, Mastercard, American Express, Discover, JCB, and Diner's Club. We do not outsource it like many local banks and other processors do.