Guardian Inspection Payments

Home Inspection Payment Processing

Call Today


Spectora offers home inspection software with a focus on the modern user experience. Clean and intuitive, Spectora’s web-based report writing software and mobile apps produce modern reports that clients and agents love. Spectora inspectors can increase business efficiency through automated client communication, online payments, and actionable business metrics. For those wanting to grow their online presence, Spectora also offers agency-class marketing support. With responsive customer service, simple subscription pricing, one-on-one trainings, and the fastest learning curve in the industry, Spectora makes home inspection software easy.

Sign Up Now - Spectora Accounts

Please submit the information below and someone will be in touch with you shortly.


Just 3 Simple Steps...

  1. Call Guardian Financial. Our representatives have been working with the Home Inspection Industry for over 12 years. They will answer all your questions and send you the application documents you need.
  2. Fill out the simple 2 page document (takes less than 10 min.) and email or fax us back the documents. We will have your account set up and active within 2 business days.
  3. Link your new Guardian Financial merchant account to the Spectora Software by simply inserting your gateway account numbers into the Spectora Software.

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


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

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

  1. Have Spectora automatically include a payment link to the Inspection agreement allowing your customers to pay when they fill out and sign the agreement.
  2. Lock the inspection report so the customer is unable to open it until they have paid for it.
    Any credit card payment accepted through Spectora, whether the customer clicks the link, or on your PC, will automatically update the invoice to show it has been paid.
  3. Integration makes payment easier for the customer, it reduces cancellations, increases the chance they purchase add on services and overall makes your life easier.

A simple and professional look.


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





Here are some step-by-step instructions with screenshots to help you integrate your credit card processing account with Spectora.

1) Activate your gateway and receive login credentials (Ben or Aaron will help you with this step).

2) Log into your account and click on “API Credentials & Keys.”

3) Setup and/or answer the secret question, then you should see an API Login ID and a Transaction Key.
4) Copy and Paste both of these into the corresponding field in your Spectora account under Settings>Payment>

5) Go back to your Settings page and click on “Manage Public Client Key.”


Setup and/or answer your secret question to generate a Client Key. Copy/Paste this into the 3rd and final field in your Spectora Payments section.

Once that is complete, you’re all set to customize your booking and confirmation emails to include a link where your clients can easily pay with credit card so you never have to accept payment on-site again!

This is what clients will see when they click a link from your emails.


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 Spectora, 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.

Spectora 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 Spectora, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your Spectora 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.

Spectora has negotiated with Guardian Financial to offer inspectors the lowest cost processing account in the industry. The only monthly fee is the $5 gateway fee. If you don’t use the account, the only thing you pay is the $5 gateway fee. 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. 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.