Heartland Payment Systems provides payment processing services to merchants. This involves providing end-to-end electronic payment processing services to merchants by facilitating the exchange of information and funds between them and cardholders' financial institutions. As such, Co. undertakes merchant set-up and training, transaction authorization and electronic draft capture, clearing and settlement, merchant accounting, merchant assistance and support, and risk management. Co.'s card-accepting customers primarily fall into two categories: small and mid-sized merchants and Network Services merchants, which are primarily petroleum industry merchants of various sizes.