CIS Utility Billing vs Heartland Payments+

Submeter Billing

Rural Billing

Submeter Billing lets building owners and property management teams streamline processes related to submeter reading and billing. It can be used with various existing utility meters for measuring water, electricity & gas to automate invoice generation & capture consumption details.

Heartland Payments+

Heartland Payment Processing is a cloud-based solution that helps businesses in hospitality, medical, government and other sectors accept in-person and online payments via flexible methods, including credit or debit,EMV chip cards, digital wallets and more.

Running a small utility company is easier with Rural Billing. You’ll get the tools you need—without the headaches or hefty price tags of complicated software.

Administrative Services Manager

When we have needed help post implementation, CUSI was there to assist and has provided ongoing support, taken feedback and implemented enhancements that we needed.

Office Supervisor 

CUSI’s software streamlines utility billing, service orders, and meter data management, enhancing efficiency and customer service. SOC compliant, our secure platform offers configurable, robust analytics, and seamless integration. Partner with CUSI for operational excellence and innovation.

Accounting

ACH Payment Processing

Activity Dashboard

Automatic Backup

Billing & Invoicing

Commenting/Notes

Contact Database

Customer Management

Customizable Templates

Document Management

Electronic Payments

For Electricity

For Natural Gas

For Trash

For Water

Historical Reporting

Meter Data Management

Metered Billing

Non-Metered Billing

Online Payments

Payment Collection

Payment Reminders

Penalty/Cut-Off Processing

Printing Services Integration

Rate Management

Recurring/Subscription Billing

Refund Management

Reporting & Statistics

Self Service Portal

Third-Party Integrations

Transaction History

Usage Tracking/Analytics

User Management

Work Order Management

CIS Utility Billing

Web-based

Windows

Linux

Chromebook

QuikWater

UB4 Hosted - Average Price Per Meter 

Manager

We have been able to streamline a lot of archaic processes by utilizing the modern features in the software.

IT & Utility Systems Manager

CUSI has been able to customize where we needed it

Ability to track so much-needed information.

Senior Billing clerk

Sometimes it takes a little long to get a call back

Administrative Assistant 

Doesn't have all the reports that we would like to see

Constantly working on improving their product

User friendly, great customer service , successful billing

This software is very easy to use and get the hang of.

Customer Support

Implementation

Changes and Adjustments

Meter Tracking

Phone Support

Reports

Improvements

Updates and Upgrades

Billing

Small Business

Mid-size Business

Large Enterprises

Freelancers

Continental Utility Solutions

PayPal

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Venmo

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Stripe

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Contactless NFC

Cost Estimating

Credit Card Processing

Data Security

Debit/Credit Card Processing

Digital Wallet Payments

Electronic Signature

Financial Management

Gift Card Management

In-Person Payments

Invoice Creation

Invoice History

Invoice Processing

Mobile Access

Mobile Payments

Online Invoicing

Payment Processing

Point of Sale (POS)

Quotes/Estimates

Recurring Invoicing

Reporting/Analytics

Search/Filter

Some users report that Heartland Payments+ offers lower initial fees and appreciate its minimal service charges. However, reviewers indicate hidden and rising costs, say cancellation fees are high, and feel the overall value for money is questionable.

Value for money

Reviews for Heartland Payments+ come from a wide variety of industries, including construction (8% of reviewers), hospitality (8%), and automotive (5%). The most frequent use case for Heartland Payments+ cited by reviewers is payment processing (97% of reviewers).

authorize.net

Square Point of Sale

Square Payments

Basic

Opaque and high pricing structure

sales manager

we don't like that there is a cancelation fee if you wabt to end the service

70% of reviewers feel negative about Heartland Payments+'s pricing. Some users report that the fee structure is confusing and lacks transparency, leading to unexpected or hidden charges. Reviewers indicate that processing fees are often higher than those of competitors, and they experience rate increases without clear communication. Many users say cancellation fees and ongoing charges after service termination add to their frustration. They find the overall cost to be excessive, with several reviewers expressing dissatisfaction over not understanding bills or feeling that the service is not worth the price.

Comprehensive payment security measures

SOFTWARE MANAGER

My overall experience with them is was executed properly and was on point every payment i had received was on time and was secured by the 64 bit encryption layer .

Sales and Strategic Partnership VP

Has very high-end transactions safety functions which safeguards our payments from theft.

100% of reviewers feel positive about Heartland Payments+'s security and access control. Reviewers appreciate the platform’s robust security features, such as advanced encryption and fraud prevention, which help protect transactions and sensitive financial data. Some users say the system’s built-in verification tools and international security standards give them confidence when processing payments online or across borders. They find the secure environment essential for preventing theft and unauthorized access, and many indicate that the platform’s reliability in safeguarding funds is a key reason they trust it for business operations.

Flexible and reliable payment processing

Executive Assistant

Using heartland payments has made managing payments so much simpler for us with its fast processing options, helping us to stay in control of our expenses.

Assistant Director

We really appreciate how Heartland Payments+ has helped us diversify our payment options which has enabled us to give our visitors the freedom to make payments in their preferred way.

85% of reviewers feel positive about Heartland Payments+'s payment processing. Some users report that the platform supports a wide variety of payment methods, making it easy to accept payments from clients globally and cater to customer preferences. Reviewers indicate that fast processing speeds and accurate transaction reporting simplify billing and financial management. They value the adaptability for different business types and the clear, detailed financial reports that help track payments and resolve disputes efficiently. Many users say these features streamline their operations and improve overall payment management.

Finance Director

What I like most about Heartland Payments +are the good financial reports it offers as well as the variety of payments it accepts.

Financial Consultant

I have been using Heartland payment+ for almost a year I can say that I can track each payment made to a person even from past with even a minute details such as tax charged and payment gateway charges.

Administrator

It support every type of payment method that is available and give customer various range of option how they want to proceed with the payment.

Heartland Payment Systems is the best solution for  our online school to process students subscription and payments in a safe way

Sales Manager

Since we started using Heartland Payment Processing, we have be able to process all order payments smoothly and fast whether online or physically.

Pastry Chef

It has allowed us to accept different types of payment methods which has made online food ordering so effective.

With Heartland Payments+, we have been able to give our customers the option to pay using their desired payment methods without any restrictions.

Organization Manager

it has really made our payment process simpler by offering different payment options so our customers can use whatever method they like best.

ELL contractor

I won’t say heartland payment is cheap but it worth using if you can implement it in your business I will give them 5 stars

Its ability to adapt and scale as our needs evolved has been a major plus and the comprehensive financial reports kept everything well organized and easy to monitor.

Finance Manager

Heartland Payments+ has an accurate payment processing measures, and this improves the credibility of every transaction.

Co-Founder

Exclusive and extra-professional cloud payment processing and subscription billing as well as invoicing.

Further, Heartland Payments+ has a significant guide, where recording are made and online payments are successful.

Heartland Payments+ has helped us simplify how visitors makes payments when they visit our museum center.

Administrator Assitant

Heartland Payment+ help to verify and process payment by customer accurate and free from errors.

Heartland Payments+ has offered us all the outstanding experience we would have wanted when receiving and processing payments from customers and clients.

Operations Manager

The speed and efficiency in processing every business payment is also a crucial part from Heartland Payments+.

Owner

There are ways you can save money but they do not proactively reach out and tell you that.

Generating invoice and billing to charge to customer is easy and has various way to sent it to customer.

Marketing Director

Heartland Payments+ has credible and optimal transaction management measures, and this increases the credibility of every opportunity.

More so, Heartland Payments+ has facilitated global marketing options, and this resolves in business requirements.

Customer Service Representative

This has been our go-to payment system that facilities fast and secure way to collect and receiving money.

Track invoice due date and sent reminder if the payment is still not cleared.

Managing Director

A payment tool my small scale business employs to receive payment from clients no matter where they are

Polyglot

Heartland payment is generally good, user-friendly interface for many users like me I can highly recommend and support.

Heartland Payments+ has included mobile payment solutions, which helps many companies.

Paralegal, Office Manager

Overall, I have had a good experience with Heartland, it enabled a link for our website for people to pay their bills directly.

Supply chain manager

It has made payment transactions with our clients more flexible reliable and transparent.

Heartland payment is a valuable resource.

Account manager

Use it for more than 5 years and happy with the credit card processing fee that is lower than other provider.

Operation Manager

I adore how it facilitates easy and safe product sales and maintains the security of online payments.

Deputy Human Resources and Training Manager

it supports nearly every payment option which makes it our go-to solution.

People and Culture Coordinator

Integration and interfacing makes it a valuable resource for employees management needs.

Fast payment deposit to our bank account and only take 24 hours in most cases.

Software Developer

Heartland Payments+ is smooth and secure, which is great for businesses needing scalable and industry-specific services.

So I use Heartland Payment+ for this purpose and it has been working quite good till now with a very low fee as payment gateway charges.

Senior Manager

Only the name, address, and expiration date can be edited on this website.

Can be use on terminal payment, electronic payment or online purchases.

Electrical and Electronics Engineer

The users custom report generation are limited for advanced users

Insurance agent

I love being able to see the confirmation of my payments.

Heartland Payments+ system has made payments and receiving payments very secure and quick.

the icing in the cake for me is how responsive their customer support team has been Any small business ours should definitely check it out

CIS Utility Billing vs Heartland Payments+ Comparison (2026)

CIS Utility Billing

Heartland Payments+

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives