Should You Choose Guardian Financial for Payment Processing?

Formerly known as Guardian Small Business Consulting and Financial Services, Guardian Financial is an Idaho-based merchant account provider that serves most standard-risk business types. The company was founded in the mid-2000s and appears to be a reseller of Total Merchant Services, North American Bancard, Harbortouch, and Authorize.Net. Guardian Financial shares a name with a Texas-based wealth management firm also called Guardian Financial, but the two companies do not appear to be related.

As of 2022, it appears that Guardian Financial has started focusing on processing payments for home inspections, though it appears they also process payments for other businesses as well.

Payment Processing

Guardian Financial provides payment processing services for various business types, handling both debit and credit card transactions.

Recurring Billing

Guardian Financial offers recurring billing services designed to automate payment collection. This can be useful for businesses that need to handle regular, scheduled transactions without manual intervention.

ATM Placement

Through its ATM placement service, Guardian Financial provides businesses with ATMs to increase customer convenience. The company handles installation and maintenance, allowing businesses to generate additional revenue from surcharge fees.

Mobile Processing

Guardian Financial’s mobile processing service allows businesses to accept card payments using mobile devices. This option is aimed at businesses that need to process payments on the go, such as delivery services or pop-up shops.

Online Payment Gateway

The online payment gateway from Guardian Financial provides businesses with a secure way to process payments online. It integrates with e-commerce platforms, allowing for streamlined transactions.

Virtual Terminals

Guardian Financial offers virtual terminals, which enable businesses to process payments without needing a physical card reader. These are often used for phone or mail orders.

POS Equipment

The company also supplies point-of-sale (POS) equipment to help businesses manage in-person transactions. This hardware is typically used in retail or restaurant environments and can integrate with various payment processing systems.

Gift Cards

Guardian Financial supports gift card programs, allowing businesses to issue and manage branded gift cards. This service can help companies enhance customer loyalty and encourage repeat purchases.

Clean Complaint Record

Our search reveals no significant negative Guardian Financial reviews, suggesting that the company operates legitimately and is not involved in scams or ripoffs. While some reviews might be mistakenly attributed to Guardian’s backend processors, there’s no solid evidence to support frequent misattributions. Given Guardian Financial’s apparent longevity in the business, maintaining a clean complaint record is commendable, earning the company an “A” grade. If you have experiences with Guardian Financial, please feel free to share them in the comments below.

Guardian Financial Lawsuits

No notable class-action lawsuits or Federal Trade Commission (FTC) complaints have been filed against Guardian Financial. Merchants preferring non-litigious dispute resolution methods are encouraged to consider reporting their issues to relevant supervisory organizations.