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On March 12, 2025, Guardian Inspection Payments will become the sole integrated credit card processor for ISN. Inspectors who wish to receive the benefits of integrated payment processing – including report locks, next day funding, and additional payment options such as ACH – will need to apply for a Guardian account by that date.

Changing payment processors may sound like a hassle, but Guardian Payments was built from the ground up for home inspectors like you, and the new online application process takes just 10 minutes!

Plus, with Guardian you get:

What is the deadline for switching to Guardian?

To ensure you have no disruption in your ability to accept integrated payments in ISN, you must switch by March 12, 2025.

Why is this change happening now?

Maintaining PCI compliance is critical for ISN. Managing compliance across multiple gateways has become cumbersome, taking resources away from enhancing ISN’s core software. By consolidating to solely using Guardian, we’re able to maintain PCI standards more efficiently, reducing administrative burdens and focusing more on improving the software for you.

Our Board of Directors has also prioritized security, and supporting multiple payment gateways introduces greater compliance risks; as such, ISN will move forward exclusively with the CardPointe Gateway via Guardian to ensure the highest security standards.

We’re also introducing this shift during the slower season to give you ample time to make a smooth transition without impacting your peak periods. This timing allows for a seamless setup with Guardian, minimizing disruptions to your operations

What happens if I choose not to set up integrated payments with Guardian?

If you choose not to switch over to Guardian, following the above-mentioned deadline you will no longer have integrated payments within ISN. You will still be able to accept payments via other means, however those transactions will need to be completed outside of ISN.

Without integrated payment processing, if you wish to lock your report until payment is received, the customer has to get ahold of you, give you their credit card information over the phone/in-person, and you will have to manually unlock the report in ISN.

Without integrated payments, you will also miss out on automatic electronic invoicing.

What if I don’t process very many payments?

ISN has negotiated with Guardian 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.

What if I’m still under contract with another provider?

If you’re able to share documentation of any cancellation fees charged to you by your current provider, Guardian will cover the cost of those cancellation fees.

What are the benefits of switching to Guardian?

1. No-fee credit card processing - Guardian offers a no-fee option, allowing you to eliminate what is for most inspectors the 2nd largest expense in your business.
2. Competitive rates that meet or beat your current costs - Guardian is committed to offering competitive rates. For most accounts, we offer rates of 2.75% + $0.30 per transaction, and for higher-volume accounts, we can perform a custom rate review to match or beat their current rates.
3. User-friendly reporting in the CardPointe Gateway - CardPointe Gateway (Guardian's gateway) provides intuitive and user-friendly reporting that simplifies transaction tracking and gives you a clear view of your financial data.
4. Next-day funding - Enjoy fast access to funds with next-day funding, improving your cash flow and supporting your business’s daily operations.
5. No monthly, gateway, or PCI compliance fees - With Guardian, you’ll benefit from zero monthly, gateway, or PCI compliance fees, providing consistent savings and less hassle.
6. Enhanced reconciliation and reporting - Guardian is the only provider capable of associating the OID or report number with each credit card transaction in your processing account. This capability simplifies account reconciliation and reporting, allowing you to track transactions more accurately and streamline your financial records.
7. Integrated ACH processing exclusive to Guardian - With Guardian, you can access integrated ACH processing directly within ISN. This gives you greater flexibility and convenience in managing both credit card and ACH payments in one place, ultimately saving time and effort. This also allows you to implement ‘no fee credit card processing’ with a seamless solution.

Where can I find documentation or instructions for getting set up with Guardian?

We have documented the step-by-step instructions for submitting your Guardian/CardPointe application - see the button above labeled "Click for detailed instructions" to review.

We also have a recorded demo available to help walk you through the process (see above). If you require further assistance, contact us at +1-208-214-4288.