For over 24 years, Palmtech’s focus has been on creating easy to use software for new and seasoned home inspectors. Palmtech allows home inspectors to create reports fast in the field or at the office with fully customizable templates. Inspectors can now spend less time writing reports and more time booking inspections.
Simple
Just 3 Simple Steps...
- Call Guardian Inspection Payments. Our representatives have been working with the Home Inspection Industry for over 15 years. We will answer all your questions and send you the online application you need.
- Fill out the simple online application (takes less than 10 min.) We will have your account set up and active within 2 business days.
- Link your new Guardian merchant account to Palmtech’s software.
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
- 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 Palmtech, 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 Palmtech, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your Palmtech 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.
Palmtech 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.