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Heartland Partners with AJB to Reduce Transaction Costs for Merchants
[January 14, 2014]

Heartland Partners with AJB to Reduce Transaction Costs for Merchants

PRINCETON, N.J. & TORONTO --(Business Wire)--

Heartland Payment Systems (NYSE: HPY), one of the nation's largest payment processors and a leading provider of merchant business solutions, and AJB Software Design, Inc., a leader in integrated payment solutions, today announced a strategic partnership designed to not only help merchants comply with security mandates, EMV and other emerging forms of payment, but also leverage Heartland Portico Gateway's (News - Alert)™ Dynamic Interchange Management. The two companies' unique technologies will offer merchants flexible payment options for their customers at the lowest possible cost.

"We're excited about our new partnership with AJB, a market leader in providing integrated payment solutions to some of the leading retail brands," said David Hogan, Executive Director, Heartland Payment Systems. "We look forward to collaborating and developing integrated solutions that harness best-in-class solutions to support the needs of the extended retail industry."

"Heartland is a game-changing leader in the payment processing industry," said Bohdan Myroniw, Director of Business Development for AJB. "Heartland's Portico Gateway™ provides one of the most sophisticated approaches to interchange management. With AJB's unique payment integration software and Heartland's Dynamic Interchange Management solution, retailers can take advantage of this solution and still have lots of flexibility to choose payment devices that meet their needs."

The partnership will enable Heartland's Portico Gateway™ to support merchants through AJB's Flexible Integrated Payments (FiPay™) and Retail Transaction Switch (RTS™) solutions. The combined solution is designed to meet the needs of a wide range of merchants, including big box, general merchandise, grocery, petroleum, and convenience stores.

About Heartland Payment Systems

Heartland Payment Systems, Inc. (NYSE: HPY), the fifth largest payments processor in the United States, delivers credit/debit/prepaid card processing, mobile commerce, e-commercemarketing solutionssecurity technologypayroll solutions, and related business solutions and services to more than 275,000 business and educational locations nationwide.

FORTUNE 1000 company, Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. Heartland also established The Sales Professional Bill of Rights to advocate for the rights of sales professionals everywhere. More detailed information can be found at or follow the company on Twitter (News - Alert) @HeartlandHPY and Facebook (News - Alert) at

About AJB Software Design, Inc.

Founded in 1994, AJB has over 140 global clients, and its software makes it easy to connect the components required for real-time payment processing. AJB is a leading provider of payment integration software solutions, with over twenty percent of North America's Top 100 retailers and over 10 percent of the top global retailers by sales volume, relying on AJB products and solutions. AJB enables retailers to quickly comply with new standards and payment types, including mobile, EMV and other emerging forms of payment. In addition, it allows banks and POS vendors to easily integrate their products with retailers, petroleum and convenience stores. AJB simplifies integration with existing systems; solutions are scalable, multi-channel and platform independent. For more information, visit or email Vivian Shen, MARCOM at

Forward-looking Statements

This press release contains statements of a forward-looking nature which represent our management's beliefs and assumptions concerning future events. Forward-looking statements involve risks, uncertainties and assumptions and are based on information currently available to us. Actual results may differ materially from those expressed in the forward-looking statements due to many factors, including risks and additional factors that are described in the Company's Securities and Exchange Commission filings, including but not limited to the Company's annual report on Form 10-K for the year ended December 31, 2012. We undertake no obligation to update any forward-looking statements to reflect events or circumstances that may arise after the date of this release.

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