Credit card processors can add fees to the base cost of interchange at their discretion and can change their markup fees at any time. But typically, you may see increases or changes when the banks and card brands adjust their rates one to two times per year. Heartland values transparency — that’s why our billing statements clearly show what you’re paying to Heartland and what goes to credit card brands. Our customer care team is available 24/7/365 to answer any questions you may have about your statement or Heartland fees.