POINT ROBERTS, WA - February 22, 2013 (Investorideas.com mobile payment stocks newswire) Investorideas.com, a leader in sector research for independent investors, issues exclusive insight into the opportunities and challenges in the payment processing industry from management of Heartland Payment Systems and Calpian, Inc., and how the two companies are planning for the future with innovative mobile strategies.

Mr. Bob Baldwin, Vice Chairman of Heartland Payment Systems ( NYSE : HPY ) and Mr. Harold Montgomery, Chairman and CEO of Calpian, Inc. ( OTCQB : CLPI ) share their industry knowledge on four key points shaping their industry; where they see the biggest growth opportunities, how new EMV transaction requirements will impact the industry, their mobile growth plan and lastly, what they feel are the biggest challenges facing the payments industry moving forward.

Q: Investorideas.com

As an industry leader in payment processing, where do you see the biggest growth opportunities?

A: Mr. Bob Baldwin, Vice Chairman of Heartland Payment Systems

In card acquiring/processing, we see our biggest opportunities in further broadening our capabilities so that we can address additional merchant segments and/or bring new solutions to market. As examples of the former, we have launched significant initiatives in grocery and ecommerce, areas where we have previously had a limited or nonexistent presence. For the latter, we are highly focused on the implications of the development of cloud-enabled tablet processing. As these solutions develop, driven by the extensive interest in using tablet/smart phone interactions to change the merchant/consumer relationship through offers, discounts, etc., we see significant opportunities in the disruption of existing processing approaches and in particular the existing solutions offered by higher-end POS systems. We are also confident that the merchant will need a much more robust network-management capacity, given the reliance on the cloud, and are rolling out a hosted network solution that will address this specific issue.

We are also deeply focused on a broader range of processing solutions that we think can drive faster growth for Heartland Payment Systems in the years ahead. Pro forma for two acquisitions that closed in December, approximately 30% of the company's Net Revenue in 2013 will be generated in non-card activities. In particular we would focus on two drivers of growth: payroll, and our school-related offerings (differing solutions for K-12 and University). In payroll, we view the acquisition of Ovation Payroll at year-end as being truly transformative, bringing on board a new leadership for the combined businesses, combining the processing onto one common platform for scale economies, and driving innovation in our sales approaches. In the school-related field, we now provide processing for the lunch program of 30% of the public schools in the US, and see substantial growth in replacing checks and cash with electronic loads of the student's prepaid account. At the college and university level, with the acquisition of ECSI, we now offer a host of processing solutions to more than 2,000 schools, and believe we have significant cross-sell opportunities with our broad set of processing solutions. Both of these businesses have the potential to grow much more quickly than the card business, and so they will be critical to helping drive faster overall growth in the coming years.

A: Mr. Harold Montgomery, Chairman and CEO of Calpian, Inc.

We believe the small to mid-sized merchant space is a vibrant and dynamic market segment. Every merchant is interested in cost-competitive payment processing and that's where we specialize. Offering customized solutions at an affordable cost to the small business owner is crucial to his ability to maintain and grow his business. Payment processing is as critical a business function to a merchant as is the goods he sells -- it must work seamlessly every time. Calpian works with merchants, who these days are burdened with more and more costs and government regulations, to ensure that each of our merchant customers receives the most cost-effective and regulatory compliant solution for their specific type of business.

Calpian's acquisitive strategy in the small to mid-sized merchant space presents what we believe to be the greatest opportunity for growth under current market conditions. The payments industry has long been one of entrepreneurs and as such, there are numerous very well run small Independent Sales Organizations (ISOs) serving this merchant space who are looking for larger partners with capital strength. By partnering with Calpian, these ISOs receive both the working capital they need to grow their businesses and access to Calpian's superior pricing and payment processing product options.

About Calpian ( OTCQB : CLPI )

Calpian, Inc. (CLPI) is a publicly traded company with corporate offices in Dallas, Texas and mobile payments emerging-market operations through its subsidiary in India. Calpian's U.S. business focuses on the 10,000 Independent Sales Organizations (ISOs) that serve approximately two million small merchants across all industries in the U.S. who pay an estimated $1 billion in annual residuals. Calpian's Indian subsidiary offers Money-on-Mobile, a pre-paid mobile payment solution, to more than 122,340 Indian retail locations. Calpian's management team has over 70 years in combined experience in the payments business. Calpian's CEO, Harold Montgomery, is a recognized industry leader who has provided expert testimony to the U.S. Congress and Federal Reserve Bank on payments-related issues and regularly appears in numerous industry publications, such as Transaction World Magazine.

www.calpian.com and http://www.money-on-mobile.net/.

About Heartland Payment Systems ( NYSE : HPY )

Heartland Payment Systems, Inc., the sixth largest payments processor in the United States, delivers credit/debit/prepaid card processing, school solutions, marketing solutions, end-to-end encryption technology, campus solutions, payroll solutions, and related business solutions and services to more than 250,000 business and education locations nationwide. A FORTUNE 1000 company, Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. Heartland also established The Sales Professional Bill of Rights to advocate for the rights of sales professionals everywhere. More detailed information can be found by visiting www.HeartlandPaymentSystems.com

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