Guardian Inspection Payments

Home Inspection Payment Processing

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NxtInspekt is a full feature, software-as-a-service (SaaS) scheduling platform uniquely created to handle the specific needs and data of Home Inspectors. Nxt Inspekt understands the Home Inspection business and knows what Home Inspectors need to make scheduling convenient, easy and cost-effective… A simple interface that works with your existing website & no more phone tag. Clients/Realtors can book appointments from any device with an Internet connection – 24/7/365. Integrating your Guardian Financial merchant account with NxtInspekt is simple, quick, and easy. Sign up for credit card processing now, and we at Guardian will help you with every step of the integration process.


Just 3 Simple Steps...

  1. Call Guardian Financial. Our representatives have been working with the Home Inspection Industry for over 17 years. They will answer all your questions and send you the application documents 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 the NXTInspekt Software by simply inserting your gateway account numbers into the NXTInspekt Software.

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


Because our merchant account is completely compatible with NXTInspekt Software you will have the ability to accept all card types right inside your NXTInspekt software.

Once Your credit card processing is integrated with NXTInspekt you can:

  1. Have NXTInspekt automatically include a payment link to the Inspection agreement allowing your customers to pay when they fill out and sign the agreement.
  2. Accept payment on site using the NXTInspekt mobile app.
  3. Lock the inspection report so the customer is unable to open it until they have paid for it.
    Any credit card payment accepted through NXTInspekt, whether the customer clicks the link, or through the mobile app or on your PC, will automatically update the invoice to show it has been paid.
  4. Integration makes payment easier for the customer, it reduces cancellations, increases the chance they purchase add on services and overall makes your life easier. Shown below are some screenshots of NXTInspekt’s mobile application which will allow you to take payment on site while keeping all your records updated and current.


There are several ways (places) that you can have the Client enter their credit card info into NXT:

  1. Add one of the following email template variables to an email %PAYMENT_BUTTON% or %INVOICE_BUTTON% – both of these variables will take the Client to the Invoice screen to view the amount owed and allow them to enter their card info and be charged immediately
  2. Add %PAYMENT_METHOD% to the Inspection Agreement – this variable will add a table to the Agreement that lists all available Payment Methods and requires the Client to check one of the boxes. When Credit Card is checked, a dialog appears for the Client to enter their card info. The card is then Authorized for a small amount to verify the credentials, then the card is Charged a period of time after the Appointment Start Time has taken place (default is 24 hours after, but this can be changed to any amount).
  3. On the external Reports/Files screen, if the Files are setup to not be available if the Inspection is not PAID, then the Client will see a button to Pay Now. Their card can be entered and will be Captured immediately.
  4. You are able to manually add a Credit Card to the Appointment Profile > Payments panel > Add Credit Card. Then you can manually force the card to be processed/Captured by clicking the Capture Funds button on the Appointment Profile > Actions panel


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




Instructions for Integration

Below are some screen shots that will aid you in integrating your credit card processing account with NXTInspekt. Once you have activated your gateway, you will need to login to and get the API Login ID, Transaction Key and Public Client Key.

To obtain the API Login ID and Transaction Key:

  1. Log into the Merchant Interface at
  2. Click Account from the main toolbar.
  3. Click Settings in the main left-side menu.
  4. Click API Credentials & Keys.
  5. Your API Login ID is displayed on the page if one has been generated already. If not, enter your Secret Answer. The API Login ID will then be generated.
  6. Enter your Secret Answer.
  7. Select New Transaction Key.
  8. Click Submit to continue. Your new Transaction Key is displayed.

To obtain a Public Client Key:

  1. Log into the Merchant Interface at
  2. Click Account from the main toolbar.
  3. Click Settings in the main left-side menu.
  4. Click Security Settings.
  5. Click General Security Settings.
  6. Click Manage Public Client Key.
  7. Enter your Secret Answer.
  8. Click Submit to continue. Your new Public Client Key is displayed.

While you are here, once you have copied and pasted these numbers into NXTInspekt; go back to the Account tab in, click on “Test Mode” in the Security Settings section and set your account to “Live.”

The last step is to Enable Customer Information Manager (CIM) with Authorize.Net – This simply allows NXT to create a customer profile for your Client through an API call so their CC can be saved in Authorize.Net

  1. Log into the Merchant Interface at
  2. Select Customer Information Manager (CIM) from the home screen.
  3. Click on Sign up for Customer Information Manager (CIM) Now.
  4. Select the checkmark I have read and understand the Terms of Service.
  5. Click I Agree.

Once the steps above have been followed and the credentials entered into NXT Integration, you will be able to accept Credit Card payment at time of Agreement e-signing through NXT.  The “Payment Method Table” template variable %PAYMENT_METHOD_TABLE% needs to added to your Agreement (typically towards the bottom). When the Client selects “Credit Card”, they are then prompted to enter their CC info. The CC will be validated immediately, and then once the Appointment Start Datetime has passed, the Card will be automatically processed (set to run approximately 24 hours after start date time) to coincide roughly with Report being sent.  This amount of time after Appointment Start Date/Time can be set to whatever value you would like.

Also, you can manually force the Capture to happen early by clicking the “Capture Funds thru Authorize.Net” button on the Appointment Profile > Actions panel.



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 NXT INSPEKT, 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.

NXT INSPEKT has been working with Guardian for over a decade. They guarantee 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 NXT INSPEKT, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your NXT INSPEKT 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.

NXT INSPEKT 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, ( 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. If you do not become complaint, your account will be charged $24.95 a month until it is compliant and then you can request those fees be refunded for up to 1 years’ worth of charges. 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.