WIN Home Inspection

Tom and Dianne Knapp launched World Home Inspection, which evolved into the WIN Home Inspection franchise, in 1993, and their new approach to home inspections garnered a lot of attention. WIN quickly dominated Washington state and began a nationwide expansion that has taken them into almost 30 states, with more than 175 territories.

They set themselves apart by offering a consistent, professional experience that home buyers appreciate and real estate agents respect. Training, technology and marketing support that helps their franchise owners develop loyal relationships in the real estate industry that lead to a steady stream of customer referrals.

WIN’s professionalism and spirit of cooperation have been rewarded. Total revenue has increased 31% over the past two years even as the number of franchise owners has remained steady amid the recovering economy.

Guardian, has been supporting WIN franchisees for over 10 years and we understand your business and we understand the how to integrate with your WIN Connect software. When you choose us as your credit card processor, you can feel confident that our service will allow you complete compatibility, unbelievable simplicity and guaranteed affordability.

Please Call

1-800-608-7363

for assistance with a merchant account.

SIMPLE

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 WIN Connect Software by simply inserting your Authorize.net gateway account numbers into the WIN Connect Software.

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

Compatible

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

Once Your credit card processing is integrated with WIN Connect you can:

  1. Have the software automatically include a payment link to the Inspection agreement allowing your customers to pay when they fill out and sign the agreement.
  2. Accept payment on site using the mobile app.
  3. Lock the inspection report so the customer is unable to open it until they have paid for it.
    Any credit card payment accepted through WIN Connect, whether the customer clicks the link, or through the mobile app or on your PC, will automatically update the invoice to show it has been paid.
  4. Integration makes payment easier for the customer, it reduces cancellations, increases the chance they purchase add on services and overall makes your life easier. Shown below are some screenshots of mobile application which will allow you to take payment on site while keeping all your records updated and current.

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.

*The monthly minimum is made up of your processing fees. Using the average home inspection transaction of $400, you would only need to do about 4 transactions a month to cover the minimum.

**We waive the PCI Compliance fee for the first 12 month of the account. We also have the lowest compliance fee in the industry compared to the average of over $149 annually.

RATES and FEES

  • Transactions

  • Discount Rate: 1.70%
  • Communication Fee: .20
  • American Express: 2.79%
  • Mid-Qual 0.4%  Non-Qual 1.40%
  • Monthly

  • Account Maintenance: $5/ Mo
  • Secure Gateway: $5/ Mo
  • Monthly Minimum: $25*
  • PCI Compliance: $4.95/ Mo **
  • Set Up

  • NO SET UP FEES
  • NO CANCELATION FEES
  • NO ANNUAL FEES
  • NO CONTRACTS
Q.How much will switching to Guardian cost me?
A.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.
Back to top
Q.How long will switching to Guardian take?
A.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.
Back to top
Q.Will I miss any payments during the transition?
A.No. The transition to Guardian is totally seamless. Once you enter your updated credentials in WIN Home Inspection, you are all set up. Any payment links still floating out there will still work, they will just be pointed to the new account.
Back to top
Q.When does Guardian deposit my funds?
A. Guardian offers next day funding. Any transactions completed before 7:45pm EST will be automatically deposited into your account the next business day.
Back to top
Q.When does Guardian take out my fees?
A. 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.
Back to top
Q.What are the benefits of moving to Guardian?
A. WIN Home Inspection 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 WIN Home Inspection, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your WIN Home Inspection 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.
Back to top
Q.What if I am locked in a contract with my existing processor?
A.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.
Back to top
Q.What if I don’t process very many payments?
A. WIN Home Inspection 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.
Back to top
Q.I’ve already negotiated great rates with my current processor, will Guardian match them?
A.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).
Back to top
Q.What Card types will I be able to accept?
A.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.
Back to top
Q.How do I see what my fees are?
A.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.
Back to top
Q.My Account shows a PCI Non-Compliant status, what do I need to do?
A.You will need to click on the Non-Compliant link and go through the PCI questionnaire. This needs to be done annually. If you do not become complaint, your account will be charged $24.95 a month until it is compliant and then you can request those fees be refunded for up to 1 years’ worth of charges. Click here to link to instruction page on our site.
Back to top
Q.Should I use the authorization method?
A.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.
Back to top
Q.What kind of receipt will my customer get?
A.If your customer enters their email address in the payment process, they will get an email receipt with all the details of the transaction.
Back to top
Q.How do I refund a transaction?
A.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.
Back to top