Software partners

Carson Dunlop/ Horizon

About Carson Dunlop/ Horizon

Guardian Financial has partnered with Horizon to offer discounted credit card processing rates and fees specifically for its users.  As a Horizon user, not only do you get to take advantage of the volume pricing Horizon has negotiated on your behalf, but you also get an account that integrates seamlessly with your Horizon software allowing you to send electronic invoices with payment links, automatically include a payment link with the report lock feature and accept cards onsite right through your Horizon mobile app.    As a Horizon user you also get the following:

  • No monthly fees, if you don’t use it, it won’t cost you a dime

  • No start up fees

  • Month to month contract with no cancellation fees

  • Guaranteed lowest rates…$500 guarantee.  If Guardian can’t save you money on your existing processing, they will give you $500 just for giving them the opportunity to give you a bid.

  • Rates: 2.75% + $0.30 per transaction (custom rates available based on volume)

  • No PCI compliance fees

  • No junk fees

  • No monthly minimums

  • Customer support reps who actually understand your software, your business and your industry

  • Seamless integration with your Horizon Software which means

    • Payment links can be automatically included with booking emails and invoices

    • Accept payments onsite through the Horizon Mobile App

    • Payment link is automatically included in locked (unpaid) reports.  They click, pay and unlock the report without bugging you!

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Pricing

Rates & fees

Transactions

  • 2.75% and $0.30 per transaction*

  • Custom reduced rates may be 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 cancellation fees

  • No annual fees

  • No contracts

Frequently asked questions

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

  • Moving to Guardian means gaining a trusted payment processing partner with over 20 years of industry expertise. Our platform offers competitive, transparent pricing, seamless integration with leading home service software, and a full suite of payment options like ACH, mobile, and credit card processing. With no long-term contracts or hidden fees, Guardian provides flexibility and peace of mind, backed by dedicated customer support to help your business thrive. Plus, our focus on security and PCI compliance ensures your transactions are always protected.

  • 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.

  • No problem! Guardian offers flexible, no-minimum payment processing solutions, making it ideal for businesses of all sizes. With no monthly fees or minimum processing requirements, you can scale your usage up or down as needed, only paying for the transactions you process. This flexibility ensures you get the support and service you need without added costs or commitments.

  • 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 follow the Non-compliant process to complete and submit 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. Learn more.

  • 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.