Guardian Financial Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small businesses looking for an online or mobile payment processing solution

Specializes in

Virtual terminals, payment gateways, mobile payment processing, automated invoicing tools

Pricing Summary

Setup Fee: $0

Monthly Fee: $5 (Account Maintenance Fee)

Swipe Rate: 1.69% + $0.20

Keyed-in Rate: 1.69% + $0.20

Early Termination Fee : Undisclosed

Contract Terms:

1 Year
Visit Guardian Financial

Guardian Financial is a merchant account provider that specializes in payment processing for small businesses. The company is a reseller of payment processing solutions from larger merchant account providers such as Total Merchant Services and Authorize.Net.

Guardian Financial Overview


Guardian Financial is a registered ISO/MSP of Wells Fargo Bank. The company is based out of Idaho and is led by co-owners Ben Tolman and Aaron Fuhriman.

Guardian Financial focuses on providing payment processing solutions for small companies across a variety of industries. For example, a merchant can use Guardian Financial to process their online payments, mobile payments and to get help with things like automatic invoicing.

Unfortunately, the company is not forthcoming about the costs of many of its services. Merchants interested in partnering with Guardian Financial will likely need to go through the initial phases of the onboarding process to learn how much the company will charge them.

Guardian Financial offers solid customer support and has received very few negative reviews online. But the company doesn't currently have an active profile with the Better Business Bureau.

Quick Facts

Head Quarters

Meridian, Idaho

Year Founded



Ben Tolman and Aaron Fuhriman - Co-Owners



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

Guardian Financial Products & Services


Virtual Terminals and Payment Gateways

Guardian Financial bills itself as a company that can help small businesses process their online payments. They do this through virtual terminals and payment gateways. However, the company doesn't provide very much information about these services. It simply says that it offers the services, and that's it.

Our research also showed that Guardian Financial doesn't actually provide these services itself. Instead, it's a reseller of payment processing services from companies like Authorize.Net, North American Bancard, and Total Merchant Services.

Mobile Payment Processing

Guardian Financial also provides merchants with software that they can use to process in-person mobile payments. The company's app lets merchants scan credit cards on their mobile devices with their cameras. Alternatively, a merchant can also manually enter the card into the app to process a payment with it. 

Automated Invoicing Tool

Guardian Financial also offers some automated invoicing features to the merchants that it partners with. The company says that its invoicing tool can be integrated with various external services, which makes it easier for merchants to manage all of their invoicing processes in a single place.

Guardian Financial Payment Processing

  • Cash Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Guardian Financial Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing

Guardian Financial Advertising & Sales

Guardian Financial's marketing and sales don't raise any red flags. The company doesn't advertise deceptive rates. However, it doesn't really advertise its rates at all. This means that a merchant who wants to use the company's services will need to go through the onboarding process to figure out how much they would be charged.

The company doesn't appear to rely on independent sales agents to sell its products either. This is a good sign, as the usage of independent sales agents is often tied to dishonest practices. Indeed, Guardian Financial has received very few online complaints about its sales or advertising processes.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Guardian Financial Pricing, Rates & Fees


Unfortunately, Guardian Financial hardly discloses any information about its pricing structure or fees. However, the company does advertise its ASHI member pricing rates. It lists a per-transaction fee of 1.69% + $0.20. On top of this, member merchants will also pay a $5 monthly account maintenance fee, a $25 monthly minimum fee, and a monthly PCI compliance fee of $4.95.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

1.69% + $0.20

Keyed-in Rate

1.69% + $0.20

Mobile Payment Rate

Virtual Terminal Rate

2.90% + $0.30

Monthly Fee

$5 (Account Maintenance Fee)

Payment Gateway Fee

$5 Per Month

Batch Fee


Early Termination Fee


PCI Compliance Fee

$4.95 Per Month

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Guardian Financial Contract & Terms

Guardian Financial is tight-lipped about the contracts that it offers to merchants. However, after doing a little digging online, we were able to discover that the company appears to favor short-term agreements with no early termination fees. This is a pretty favorable setup for merchants who are interested in trying out Guardian Financial without having to make a long-term commitment to do so.

Contract Length

1 Year

Early Termination Fee


Guardian Financial Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ
  • Offshore Tech Support (After Hours)

Guardian Financial Complaints, Ratings & Reviews

Guardian Financial doesn't currently have an active profile with the Better Business Bureau. However, the company has received very few online complaints. This suggests that merchants that partner with Guardian Financial are generally happy with their decision to do so.



Does not have BBB profile.


No Reviews


5 Stars. Based on the opinion of 4 people




Total Online Reviews


Total Online Complaints




Guardian Financial Alternatives


If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks