Guardian Inspection Payments

Home Inspection Payment Processing

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Lucent Inspections

Lucent Inspections offers the smartest business automation tools available in the industry to manage not only your clients and real estate agents, but your business as a whole. Lucent Inspections home inspection software is compatible with Mac or PC, and mobile home inspections can be reported on with iPhone, iPad, Android or Windows devices. Lucent Inspections’s marketing and SEO support is unmatched in the industry and is included with all of their packages. Your own website is your business portal. Sending clients to other software sites for login and traffic helps them not you. Keep your clients in front of you not behind.

We also believe you should not have to pay extra to run your business. No paid third party plugins !! We have you covered. We are the lowest cost business solution for multi inspector firms in the industry!
We give you a complete ‘White Label’ business solution to excel your business and ease everyday tasks. We believe it is your business not ours. Create your reports without marketing us or anyone. Your competitors, clients, agents etc won’t even know what software you use, they stay focused on your business not ours…..after all it is your business!

Pricing
Features
Integration
FAQ

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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 gives the lowest rates to 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.

Rates & Fees

Transactions

  • Debit transactions: 1.70%
  • Communication Fee: .30
  • Credit Cards: 2.69%
  • Rewards cards and Corporate cards: 3.29%

Monthly

  • Account Maintenance: $0.00
  • Secure Gateway: $5/ Mo
  • Monthly Minimum: 0.00
  • PCI Compliance: $0.00

Setup

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

FEATURES

Simple

Just 3 Simple Steps...

  1. Call Guardian Financial. Our representatives have been working with the Home Inspections Industry for over 17 years. They will answer all your questions and send you the online application you need.
  2. Fill out the simple online application (takes less than 10 min.) We will have your account set up and active within 2 business days.
  3. Link your new Guardian Financial merchant account to Lucent Inspections by simply inserting your Authorize.net gateway account numbers into the Lucent Inspections Software.

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

Compatible

Because our merchant account is completely compatible with Lucent Inspections you will have the ability to accept all card types right inside your Lucent Inspections software. In order to integrate fully, you must use a gateway service. 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.

Integration

FAQ's

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 Ispecx, 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 their fees until the next month. So, if you do a $400 home inspection, then $400 will show up in your account. This makes reconciliation and transaction tracking much simpler.

Guardian guarantees lower processing fees, no monthly fees, no setup fees, and no cancellation fees. In addition, they offer next day funding, have better reporting and integration with Ispecx, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your Ispecx software. They provide top-notch customer service (they actually answer the phone) and, because of their relationship with the inspection industry, they have a vested interest in making sure you are satisfied with your account and their service.

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

Ispecx 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 them a copy of your processing statement, and they will work up a proposal for you and show you how much you save by making the switch. If they can’t save you money, they will give you $500 (they have never had to pay it 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.