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Head-to-head · Restaurant Payment Processing Software

Heartland Payments+ vs Olo Pay

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score Heartland Payments+ #3 in Restaurant Payment Processing Software 9.0/10 Paid ✓ 5 of 5 features Visit Heartland
Olo Pay #4 in Restaurant Payment Processing Software 8.8/10 Pricing on request ✓ 5 of 5 features Visit Olo Pay

Heartland Payments+ leads on 0 checks, Olo Pay on 0, and 5 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreHeartland Payments+ · 9.0/10

Heartland Payments+ scores higher on our rubric for restaurant payment processing software: 9.0 against 8.8 out of 10; our editors rank them #3 and #4.

On pricing model, Olo Pay gives you Custom_quote where Heartland Payments+ offers Flat_rate.

Heartland Payments+ is the better fit for established restaurants wanting full payment coverage. Olo Pay is the better fit for restaurant groups wanting unified payment operations.

  • Heartland Payments+ fits best

    Established restaurants wanting full payment coverage

  • Olo Pay fits best

    Restaurant groups wanting unified payment operations

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Side by side

Feature Heartland Payments+ 9.0/10 Visit ↗ Olo Pay 8.8/10 Visit ↗
At a glance
Editor score 9.0 8.8
Ranking #3 in Restaurant Payment Processing Software #4 in Restaurant Payment Processing Software
Best for Established restaurants wanting full payment coverage Restaurant groups wanting unified payment operations
Pricing model Paid Paid
Starting price Not checked yet Pricing on request
Free plan Not checked yet Not checked yet
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, Android Web
Support Phone, Live chat, Docs · 24/7 Tickets, Docs
Integrations 900+ integrations 3 integrations
Built for Small business, Mid-market, Enterprise Mid-market, Enterprise
Features Heartland Payments+ 5/5 · Olo Pay 5/5
Card-present payments ✓ ✓
Online payments ✓ ✓
Tableside payments ✓ ✓
Mobile payments ✓ ✓
Reconciliation tools ✓ ✓
Specs
Pricing model Flat_rate Custom_quote
Our review
Pros
  • Supports card-present, online, tableside, mobile and offline payments
  • Includes digital wallets, payment links, virtual terminal and QR-code payments
  • Adds reporting, dispute management, encryption, tokenization and EMV security
  • Combines online, in-store, mobile, offline, and pay-at-table payments
  • Centralizes reporting, reconciliation, refunds, and voids
  • Adds fraud prevention, digital wallets, EMV terminals, and encryption
Cons
  • Pricing includes a percentage-based per-transaction fee
  • The listed platforms are web, Android and API
  • Its integrations span several business systems, requiring fit checks for each workflow
  • Pricing requires a custom quote through a sales-led process
  • Its positioning centers on multi-location and enterprise restaurant brands
  • Platform access is focused on web and API connections
Our verdict

Heartland Payments+ is a paid payment-processing platform for restaurants and other businesses. It covers card-present transactions through terminals, readers and POS systems, along with online ordering, tableside payments through…

Read the review →

Olo Pay is a restaurant-focused payment processing platform for multi-location and enterprise restaurant brands. It brings online and in-store payments into one operation, supporting card-present and card-not-present transactions,…

Read the review →
  1. Heartland Payments+Restaurant Payment Processing Software 9.0Paid
  2. Olo PayRestaurant Payment Processing Software 8.8Pricing on request

Strengths and trade-offs

  • Heartland Payments+ — where it wins

    • Supports card-present, online, tableside, mobile and offline payments
    • Includes digital wallets, payment links, virtual terminal and QR-code payments
    • Adds reporting, dispute management, encryption, tokenization and EMV security

    Where it doesn't

    • Pricing includes a percentage-based per-transaction fee
    • The listed platforms are web, Android and API
    • Its integrations span several business systems, requiring fit checks for each workflow

  • Olo Pay — where it wins

    • Combines online, in-store, mobile, offline, and pay-at-table payments
    • Centralizes reporting, reconciliation, refunds, and voids
    • Adds fraud prevention, digital wallets, EMV terminals, and encryption

    Where it doesn't

    • Pricing requires a custom quote through a sales-led process
    • Its positioning centers on multi-location and enterprise restaurant brands
    • Platform access is focused on web and API connections
  • Heartland Payments+9.0/10 · Paid

    A broad restaurant payment platform covering service, online ordering and reporting.

    Visit HeartlandFull verdict →
  • Olo Pay8.8/10 · Pricing on request

    A unified payment platform for restaurant groups managing online, in-store, and tableside transactions.

    Visit Olo PayFull verdict →

More comparisons

All restaurant payment processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update