Heritage Bank has transformed how businesses accept payments — no hardware, no installation, just a browser and an internet connection. This comprehensive guide will help you unlock the full potential of the Heritage platform and make payment acceptance simpler and more profitable for your business.
Registering for & Logging Into Heritage Online
Navigate to heritagebank.us.com and log in. New users register using the Reference Number from their Heritage invitation email.tation email. Once inside, explore the Marketplace to activate optional add-on apps — including Heritage, Heritage, ACH processing, and the B2B Interchange Optimizer — with a single click.
Go to Team → Settings to configure user roles. Assign each employee a role (Admin, Manager, or Member) and set their individual card spending limits. For high-value transactions like BPAY & transfersments, configure approval workflows so a second authorized user must approve before payment is sent.
Visa Debit & Credit Cards — Physical & Virtual
Heritage offers physical Visa Prepaid cards (CAD) and Mastercard cards (USD) plus instant digital wallet cards for both currencies. To issue a card, go to Cards → Issue New Card, enter the employee's name and email, set their spending limit and any merchant category restrictions, and click Issue. Physical cards arrive by mail; digital wallet cards are available immediately.
Digital wallet cards are perfect for recurring software subscriptions, ad spend (Google, Meta), and any online purchase where you want a dedicated card with its own limit. Create as many digital wallet cards as you need — Heritage doesn't charge per digital card. Each card is linked to the Heritage dashboard for real-time spend tracking.
Profile Management & Heritage Mobile Banking App Tokens
Profile Management is an add-on module that securely stores customer card details as a Heritage recipient profile (profile ID). Navigate to Admin → Profile Management → New Profile. Enter customer information and check Add Managed Billing – Recurring to enable automated billing. You can also create a profile mid-transaction by checking Add to Profile Management on the New Order page.
Heritage's dunning management flags failed payments with customer details, card expiration dates, and decline reasons. Combined with the MX Account Updater service (available for Heritage North merchants), expired cards are automatically updated before they fail — dramatically reducing involuntary churn.
Heritage & Pay-by-Link
Heritagelets you send professional invoices in seconds using pre-built templates with common line items, services, or packages. Customers receive an email with an embedded checkout link — they pay by card without calling in their details. Optionally add a QR code for in-person invoice scanning.
Pay-by-Link goes further — generate a secure payment link and send it via SMS, email, or any messaging platform. The customer clicks, enters their card, and pays in 30 seconds. Heritagecosts $10/month as an add-on and can dramatically accelerate your cash collection cycle.
BPAY & Transfers — Domestic & International
Wire payments are ideal for time-sensitive domestic and international transfers. In Heritage, navigate to Payments → BPAY & Transfers → Create New Wire. Select your recipient profile (or enter payee details manually), enter the amount and currency, choose the value date, and submit for approval. Once approved and transmitted, Heritage provides a Heritage Intelligence AI tracking reference.
Heritage also includes AI-powered financial insights — predictive analytics and personalized recommendations that help you anticipate cash flow gaps and make smarter financial decisions.
Transaction Historys & Cheque Image Statements
Heritage lets you deposit cheques remotely and view Cheque Image Statements online — eliminating branch visits for routine deposits. Navigate to the Cheque Services section to submit a remote deposit, track status, and access your Cheque Image Statements for historical reference and audit purposes.
Inventory syncs automatically between your physical POS and online store. Transfer stock between multiple locations from the dashboard. Heritagefor iPad adds barcode scanning, receipt printing, and cash drawer support for full brick-and-mortar capability.
Mobile Banking with the Heritage App
Heritage business accounts earn up to competitive interest rates on your CAD balance — one of the highest rates for Australian accounts. Funds held in Heritage accounts are at ADI (Authorised Deposit-taking Institution), eligible for Australian Government deposit guarantee subject to applicable coverage limits. There's no minimum balance required to earn interest.
All card data processed through Heritageis tokenized and never stored on the device. This protects your business from PCI liability even if the phone is lost or stolen. Supported hardware includes iMag, SecureMag, and MagTek readers.
Scheduled Payments & Payee Management
Heritage Online lets you schedule payments for future dates — useful for planning ahead and ensuring bills are paid on time without needing to log in repeatedly. Set up recurring transfers or scheduled BPAY payments and Heritage will process them automatically on the dates you specify.
Approval workflows let you define rules like "any transaction over $500 requires manager approval" or "all BPAY & transfersments require CFO sign-off". Heritage sends approval requests via email and in-app notifications — approvers can approve or deny with one click from their phone, no desktop required.
Reporting & Spend Analytics
Heritage's features include expense account transfers processing, bulk EFT uploads, BPAY & transferss, transaction history, Interac e-Transfer®, and open banking integrations — B2B Interchange Optimizer ($20/month), Heritage, QuickBooks Sync, Surcharge/Cash Discount engine, and more. Activate only what you need — no bloated bundles.
Schedule automated report exports — weekly spend summaries, monthly GL exports, or custom reports — delivered directly to your inbox. Heritage's reporting integrates with QuickBooks, Xero, Sage, NetSuite, and other platforms via direct API connections.
Heritage Mobile Banking App
Heritage serves retail, restaurant, healthcare, hospitality, automotive, professional services, nonprofits, and B2B businesses. For restaurants, Heritageadds tableside ordering and menu management. For retail, Heritageprovides full inventory and POS capability on iPad.
The Heritage mobile app also supports digital card management — generate a new digital card for a specific purchase, set a one-time limit, and delete it immediately after use. This is ideal for ad hoc vendor payments where you don't want a permanent card on file.
Mobile Banking with the Heritage App
Heritage FX lets you hold and spend in both CAD and USD without paying standard bank FX spreads. Heritage Visa Prepaid cards are available in CAD; Heritage Mastercard cards in USD. Switching between currencies is built into the platform — no separate FX provider needed for cross-border purchases.
Heritage also offers same-day ACH processing for businesses with high ACH volume. Funding options vary by processor (Heritage vs. Heritage) — ask your Heritage advisor which configuration delivers the fastest funding for your business type.
Authorizing in Heritageand Settling Elsewhere
Heritage can be used to authorize transactions and then settle them through a different Heritage processing interface — useful for businesses that process payments across multiple Heritage interfaces. Consult your Heritage commercial advisor for guidance on cross-interface settlement workflows.
Charge card limits can be automatically paid down throughout the month using your Heritage business account balance. This keeps your available credit high and your balance low — reducing interest risk and keeping your books clean. Contact Heritage at 13 14 22 to apply for Heritage Charge.
Getting Support for Heritage
Sometimes you just need to know your current balance without logging into the full app. Heritage's mobile banking offers quick balance check features through widgets or app shortcuts. Add a balance widget to your phone's home screen for at-a-glance information without opening the app.
Account snapshot features provide a high-level overview of all your accounts in one place. See combined balances, recent transactions across all accounts, and upcoming scheduled payments. This comprehensive view helps you understand your overall financial position quickly.
Optimizing Mobile Banking Performance
To ensure the best mobile banking experience, keep your Heritage app updated to the latest version. Updates often include new features, security enhancements, and performance improvements. Enable automatic updates on your device so you're always running the most current version.
Regularly clear the app's cache if you notice it running slowly. Most banking apps have this option in their settings menu. Additionally, ensure your phone's operating system is up to date, as this affects app performance and security. A well-maintained device ensures smooth, efficient mobile banking.
Conclusion
Mobile banking with Heritage puts powerful financial management tools at your fingertips. By taking advantage of features like mobile check deposit, instant transfers, customizable alerts, and comprehensive account management, you can handle virtually all your banking needs from your smartphone. The convenience, security, and functionality of mobile banking make it an essential tool for modern financial management. Explore all the features available in your Heritage mobile app and discover how they can simplify your financial life and help you achieve your financial goals more effectively.