Though Heartland Payment Systems claims its “Durbin Dollars” debit-pricing campaign contributed to its most profitable quarter ever, the processor is also encountering the limitations of that model at a time when many new technologies threaten to disrupt the way the payments industry does business.

Heartland, like many conventional payment companies, is facing both challenges and opportunities from new entrants like Square Inc., Google Inc., the Isis joint venture and even Groupon Inc. These companies bring new technology, new pricing, new distribution models and new ideas to the payments industry.

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