Providing recurring payments is an easy way to increase retention, grow loyalty, and improve customer satisfaction – all while providing big-time savings for you and your company. Our convenient, easy-to-use recurring payments options provide bottom-line benefits to your business.


  • Improve your cash flow and business forecasting
  • You decide how often to charge a customer, the gateway takes care of the rest
  • No more keying information into a piece of software or credit card terminal every month.
  • Build customer loyalty, retention and improve customer service
  • Manage fraud with our fraud prevention tool, Fraud XP

Payment XP Integrates All Your Recurring Payments Needs

Guardian Merchant Services offers advanced account management capabilities through our secure Payment XP Gateway. Payment XP provides a simple, convenient way to set up customer payments automatically. Product features include:

  • Customizable Payments – establish customer profiles, choose a billing schedule, select decline responses and more.
  • Flexible payment schedules – weekly, monthly or annually.
  • E-mail management – automate responses to customer events to maximize revenue, prevent account defaults and manage exceptions through timely cardholder notification.

Once your customers have set up recurring payments, business becomes simpler on both parties. There are more checks to write or bills to mail, and less worry about late payments endangering their credit rating. Recurring payments with Guardian Merchant Services satisfies everyone’s needs.

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