Guardian Inspection Payments

Home Inspection Payment Processing

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The International Association of Certified Home Inspectors

The International Association of Certified Home Inspectors – InterNACHI® – is a federally tax-exempt, 501(c)(6) non-profit membership trade organization headquartered in Boulder, Colorado. InterNACHI® is the world’s leading trade organization of residential and commercial property inspectors.

The InterNACHI® School is accredited as a postsecondary education institution by the Accrediting Council for Continuing Education & Training (ACCET), a national accrediting agency of the U.S. Department of Education (USDE), for the free online training, examination, certifications, and continuing education provided by InterNACHI® to its membership. The InterNACHI® School is also a Member College of the National Association of Career Colleges of Canada (NACC), a national association representing 500 regulated career colleges across Canada.

Features
Pricing
FAQ

Exclusive pricing available for InterNACHI members!
(see below)

Please call:

1-800-608-7363

for assistance with a merchant account.

Guardian offers the most competitive rates available and integrates with nearly all inspection software!

Just 3 Simple Steps…..

  1. Call Guardian Financial. Our representatives have been working within the home inspection industry for over 12 years. They will answer all your questions and send you the required application documents.
  2. Fill out the simple two-page document (takes less than 10 minutes) and email or fax us back the documents. We will have your account set up and active within two business days.
  3. Link your new Guardian Financial merchant account to your preferred software or website by simply inserting your Authorize.net gateway account numbers.

It really is as easy as 1, 2, 3!

Compatability

Because our merchant account is completely compatible with almost every home inspection report software program, you will have the ability to accept all cards in your preferred method. Although there are multiple types of secure gateways out there, Authorize.net is the recommended gateway. We handle all of the Authorize.net set up and billing so all you have to do is create a username and password.

Pricing

The rates and fees associated with processing credit cards are primarily determined by the risk associated with running the transaction. Because we work with so many home inspectors, we have been able to create an account that offers the lowest rates on transactions that have historically been charged at a higher risk level. We try our very best to make sure our pricing is as simple as possible to understand.

Exclusive credit card processing rates for active InterNachi members: 2.5% + $0.20 per transaction †
 
Members can also receive (10) free FlexFund transactions ($500 value) when they process their first FlexFund transaction.
 
†To take advantage of special rates, members must contact Guardian and indicate that they are an active InterNACHI member.
 

*The monthly minimum is made up of your processing fees. Using the average home inspection transaction of $400, you would only need to do about 4 transactions a month to cover the minimum.

**We waive the PCI Compliance fee for the first 12 month of the account. We also have the lowest compliance fee in the industry compared to the average of over $149 annually.

Rates & Fees

Transactions

  • 2.50% and $0.20 per transaction*
  • Custom rates available based on volume

Monthly

  • NO Account Maintenance Fee
  • NO Secure Gateway Fee
  • NO Monthly Minimum
  • NO PCI Compliance Fee

Setup

  • NO SET UP FEES
  • NO CANCELATION FEES
  • NO ANNUAL FEES
  • NO CONTRACTS

FAQ

We have ensured that Guardian will match or beat your current rates. With Guardian, there are no monthly fees whatsoever (if you don’t use it, it won’t cost you a dime). There are also no startup fees, and it is a month to month contract with no cancellation fee.

Guardian has an online application that only takes a few minutes to fill out. There is no documentation to sign, scan, or email. You can do everything electronically. Your account is generally ready within one business day. From start to finish, this process should not take more than 10 minutes–plus you’ll be saving money every month.

No. The transition to Guardian is totally seamless. Once you enter your updated credentials in InterNACHI®, you are all set up. Any payment links still floating out there will still work, they will just be pointed to the new account.

Guardian offers next day funding. Any transactions completed before 7:45pm EST will be automatically deposited into your account the next business day.

Unlike many processors, Guardian doesn’t take out fees until the next month. So, if you perform a $400 home inspection, then $400 will show up in your account. This makes reconciliation and transaction tracking much simpler.

InterNACHI® has been working with Guardian for over a decade. We guarantee lower processing fees, no monthly fees, no setup fees, and no cancellation fees. In addition, we offer next day funding, have better reporting and integration with InterNACHI®, and have best in class customer service. Guardian understands the industry, your business, and most importantly, your InterNACHI® software. We provide top-notch customer service (we actually answer the phone) and, because of our relationship with the inspection industry,we have a vested interest in making sure you are satisfied with your account and their service.

Talk to Guardian – we will take a look at your account, your rates, and fees, and will let you know what we can do. Just call us at 800-608-7363 and we will help you out.

InterNACHI® has negotiated with Guardian Financial to offer inspectors a no-monthly-fee payment processing account. If you don’t use it, you don’t pay a dime. Even if you aren’t using payment processing often, we recommend setting up an account so that it’s ready when you need it.

Guardian will match or beat whatever you are currently paying. Just send us a copy of your processing statement, and we will work up a proposal for you and show you how much you save by making the switch. If we can’t save you money, we will give you $500 (we have never had to pay out)!

Unless you request that we not set up a specific card type, your account will be set up so that you can accept all card types. Our recommendation is that you accept all types of credit cards. We recommend that you allow your customers to pay with their preferred form of payment, no matter what it is.

You will log into your cardpointe account, (www.cardpointe.com) with the same username and password that you created when you did the online application. Then go to the reporting tab, then statements.

You will need to click on the Non-Compliant link and go through the PCI questionnaire. This needs to be done annually. At Guardian, we do not charge an annual PCI compliance fee, nor do we charge a non-compliant fee. Click here to link to instruction page on our site.

If you chose to use the authorization method your customers card will only be authorized for the amount of the inspection (like when you check in at a hotel) then the transaction will be finalized at a later time that you specify in the software. Usually at the time of the inspection.

If your customer enters their email address in the payment process, they will get an email receipt with all the details of the transaction.

The best way to process a refund, is to do it within your inspection software by going to the inspection detail and choosing refund. You can also process a refund in the cardpointe gateway. When you log into your cardpointe account and go to the reporting tab, the default view is of the past 7 days transactions. The transaction number is a hyperlink that when clicked will show you all of the details of the transaction and have an option to refund available.