Pay at Close - Guardian (FlexFund)

Overview

This memo outlines key points about the Pay at Close payment option available through Guardian (FlexFund), for use when discussing this option with clients.

• No separate emails are required for the FlexFund agreement: the client is directed from the Attik client portal to the FlexFund agreement automatically when they choose Pay at Close. Follow-up and title outreach are handled by Guardian as needed.

• Orders are created in Attik and pushed to the FlexFund Agreement; status flows from scheduled → paid pack (FlexFund added) → complete (ready for funding) once the inspection is completed in Attik.

• Guardian follows up with the client/agent to gather title information; if not provided up front, they make 6 attempts over 15 business days (first 3 to agent, then to buyer, then final reach-out to both) before billing the backup payment method.

• Once Guardian has title information, they confirm with the title company that the invoice was received and, closer to closing (about a week to 10 days before), confirm it is on the closing disclosure.

• If a client wants to change from Pay at Close to another payment method after the inspection reports have been published, direct them to Guardian; Attik will continue to show the order as paid. Refund scenarios are different (see Refunds).

Details

When and where Pay at Close appears

• Pay at Close (FlexFund) appears as a payment option in the client portal when the client is making payment (not during the initial online scheduler booking).

• No partial payments are allowed with Pay at Close. If the client has made a partial payment, PAC will not display as a payment option.

• Attik has a per-service toggle for whether FlexFund is allowed for that service.

• Enable PAC at the Payments setting level: toggle on PAC and enter the API key for the integration.

Transaction limits

• The maximum dollar limit for a single Pay at Close transaction with Guardian is $2,000.

• We charge our clients $30 to use the Pay at Close option.

  • This fee counts toward the $2,000 maximum—the combined total (inspection, add-ons, and PAC fee) must not exceed $2,000.

Services included in the amount

• Home/Condo and New Construction Final inspections will typically be the only services that qualify for PAC.

  • Pre-Listing, New Construction Phase or One Year Warranty Inspections DO NOT qualify.

• All add-on services that are ordered at the same time as an inspection that qualifies for Pay at Close will be included in the amount the client can pay at closing.

Agreement and confirmation

• No emails are needed for the FlexFund agreement. The client is directed from their Attik client portal to the FlexFund agreement automatically when they select Pay at Close. No separate confirmation email from Guardian is required for this step.

Closing date and agreement

• The closing date must be within 60 days of the inspection date. This is part of Guardian’s process and is reflected in the FlexFund agreement.

• The FlexFund agreement is reached through the Attik client portal flow (client directed there automatically). That agreement also serves as the invoice Guardian sends to the title company.

When Guardian initiates funds transfer to LaunchPad

• Once the order is completed in Attik, the status is pushed to Guardian so they know the order is ready for funding.

• Guardian initiates the funds transfer to LaunchPad 24 hours after inspection completion and reports are published.

If the client has not paid by the time the inspection (or reports) is complete

• Pay at Close will still show as an option in the client portal if no payment has been made, even after the inspection (and after reports are published). The client can select PAC at that point.

Deal closes / deal falls through

• Guardian typically receives payment from the closing company when the transaction closes.

• If the deal falls through before closing, Guardian will bill the client’s backup payment method (e.g. credit card collected at signup). At that point Guardian is responsible for collecting from the client; Attik stays “paid” and the client deals with Guardian.

  • The back up card provided must have available credit otherwise the client will not be able to finalize the FlexFund agreement.

  • Pre-paid cards, a debit card with zero balance, or a credit card with no available credit will not be accepted.

Invoice and instructions to title company

• Once Guardian has title information, they confirm with the title company that the invoice was received. About a week to 10 days before closing they reach out again to confirm the amount is on the closing disclosure.

Backup card and timing after closing

• If Guardian does not receive payment from the closing company by a certain time, they will charge the backup credit card on file.

  1. If the client’s card is billed, a 3% processing fee will be applied, and the client pays the 3% processing fee.

  2. If the title company informs Guardian that a check has been mailed, they hold off on charging the client’s card.

  3. Guardian allows 15 days from the date the title company confirms the check was mailed for the payment to arrive.

  4. If the check is not received within 15 days, Guardian contacts the title company to confirm the status.

  5. In some cases, the title company may place a stop payment on the original check and issue a new one.

  6. If the check is received, Guardian closes the transaction.

  7. If the check is not received after the second attempt, Guardian proceeds with billing the client’s card.

Changes in Service(s)

Add/remove services and timing

• Service add/remove must be done at least 10 business days before the closing date so Guardian has time to follow up with the closing company and make adjustments.

• Automatic updates: Whenever there are changes to the fees on the Attik order (add/remove service, price change), those updates are pushed automatically from Attik to ISN. Guardian receives the updated information; no manual notification is required for normal fee changes.

Additional services on a different date

• Any services added to the original Attik order will automatically be paid through PAC.

• If the client wants to pay for additional services using a different payment method, a separate order must be created for those services.

Removing a service that was not completed

• If a service was not completed, it should be removed from the Attik workorder.

• Once removed from the Attik workorder, the order total will automatically update on Guardian's end.

• Guardian will receive an alert to the FlexFund dashboard reflecting the change.

• If the transaction was already funded, the Guardian team will process the necessary funding adjustments.

Changes to Payment Type

Disabling or cancelling Pay at Close

• Option 1 (current): PAC can be disabled from the internal workorder under Charges & Payments (disable PAC function there).

• Option 2 (in development): An option for the client to cancel PAC from the client portal is being built. Once available, clients will be able to cancel PAC from the portal.

Client no longer closing on the property

• PAC can be removed from the order before 7:00 PM Eastern on the day of the inspection.

• If the inspection date has passed and the client is no longer closing on the property, the client must be referred to Guardian.

• Guardian will bill the card on file, since the funds have already been processed to the inspector.

• No email notification is required.

• Once PAC is removed from the order, Guardian automatically receives an email notification and proceeds with the necessary steps.

Client wants to change payment method before funding

• Use the same options: disable PAC from the internal workorder (Charges & Payments) so the client can see other payment options in the portal, or when available, client cancels PAC from the portal.

Client wants to change payment method after we have been paid

• Once Guardian has paid LaunchPad on the client’s behalf, the client owes Guardian. If the client then wants to change payment method (e.g. pay by card instead of at closing), they must contact Guardian directly. Attik continues to show the order as paid; no refund from LaunchPad in this scenario.

Client wants to change the backup card on file

• The client must call Guardian to change the backup credit card on file for Pay at Close. Direct them to Guardian’s contact number (see Contact Information when available).

Client has questions we cannot answer

• For general PAC (FlexFund) support: gpacsupport@inspectionpayments.com

• For general PAC (FlexFund) inquiries: 1-800-608-7363 and select the “FlexFund Support” option

• For additional contact information, visit https://inspectionpayments.com/flexfund-support

• Direct Contact for Escalated Issues:

  • Andres Salazar - Guardian Operations Manager

  • Email: andres@inspectionpayments.com

  • Phone: 208-968-7273

Refunds

Refund of prior (non-PAC) payments and PAC eligibility

• Refunding prior payments (e.g. a card payment or other method) can reset the order so that the client can select Pay at Close afterward, if they then want to use PAC.

Refund after report publishing & before closing

• If the client has not closed:

  • If a refund is required before closing, the process will follow the same procedure as adding or removing services from the order.

  • The order total will be adjusted accordingly.

• If the client has already closed:

  • The refund process will depend on the original payment method.

  • If payment was received by check, Guardian will issue a refund to the title company via check.

  • If the client’s card was billed, Guardian will process a partial or full refund and pull the funds back from Launchpad.

  • This type of transaction may be treated as a cancellation.

Fees & Payments Widget

• PAC status is managed under Charges & Payments on the workorder. You can disable the PAC function there when needed (e.g. client no longer closing, or switching payment method).

• Information Required: Whether the Fees & Payments (or equivalent) widget on the Inspection Details page shows where the client is in the Pay at Close journey (e.g. agreement signed, title info received, invoice sent, funded). Spectora shows PAC status and updates when payment is received; confirm how this appears for Guardian.

Contact Information

• Guardian Pay at Close / FlexFund team email gpacsupport@inspectionpayments.comand phone 1-800-608-7363