The only device with:

  • No activation, monthly or annual fees - Ever !
  • Airtime included for the life of the device !

Are you a sub-prime auto dealer?
Do you carry your own car loans?
You need Payment Guardian!

Payment Guardian™ is affordable and has been designed with ease of use in mind. If you can use a computer and click a mouse, you can easily control and locate your assets in seconds.

Simply log into the system, select the account of the buyer whose auto or insurance payment is late, and activate the system. The Warning feature reminds the buyer to contact the lender immediately, and can even simultaneously activate the starter interrupt circuitry. If the buyer does not contact the lender, the unit will disable their starting function and the automobile will not start. Once the buyer has called and made arrangements or makes their payment, you simply log in and re-activate the device.


The story only begins when all parties have signed the finance, lease, or rental agreement. It's still your asset, the client is just using it until they've paid it off or returned it. It's never a problem before the client drives away, it's the circumstances that befall the client after they have control of your asset that cause all the problems.

Loss of employment, divorce, no insurance, illness, are just some of the excuses you hear when trying to collect past due and late payments...If you can reach the client at all! The costs can mount very quickly when you factor in all the additional monthly resources that must be used to try and collect from the client, and in the worst case...track and repossess your asset.

How much simpler would it be if we could get the client to call you?

statistic Experience in the field has shown the use of Payment Assurance Systems reduce delinquency by as much as 90%. Payment Guardian's vehicle starter interrupt systems help dealers sell more cars to more people with more confidence. Auto dealerships nationwide save time, money, and headaches using Payment Guardian's family of payment assurance products. We offer complete solutions for selling to credit-challenged customers that enable them to reestablish credit with the use of our revolutionary devices.

Technology →

Payment Guardian™ technology offers a significant advantage to financial and lending institutions, providing easy to use solutions designed to secure and protect assets across virtually all market segments. Payment Guardian™ is a new, state of the art wireless payment-assurance system, offering business users complete control of a wide range of assets, including vehicles, office & industrial equipment, heavy machinery and virtually any electrically powered device. Utilizing the online system control center from practically anywhere in the world, Payment Guardian™ provides users the ability to warn, disable and enable assets with just a few mouse clicks. Payment Guardian™ is engineered around wireless microwave and other proprietary technology. As a result, Payment Guardian is extremely effective in Metropolitan centers and their surrounding areas which cover most areas for nearly 98% of the vehicles & equipment sold in the United States.

› All units are delivered pre programmed, activated and are ready to go, simply plug and play!inner3

›True “Automotive Grade” Device - Built exactly for what it is used for: cars. Constructed to SAE standards of quality, our device will operate in temperatures ranging from -40°F to +180°F.

› Payment Notification and Reminder - Our technology is designed to help you collect your money. With its internal buzzer, a friendly payment reminder can be sent when the car is started-on demand or with a pre-set schedule.

› GPS Tracking - The PG-X  Series uses GPS triangulation for the most precise asset location available today. Get the location of an asset in just a few seconds. This information is available on-demand or on a schedule to locate a missing asset.

› Ultra Low Power Consumption - Using an internal accelerometer the device can determine if the vehicle is moving or even if the engine is running. This allows the device to go in stand-by mode and will conserve the vehicle’s battery.

› Virtual Geo-Fencing - Be notified should a car either leave or enter a preset area. Want to know when your customer gets back home? With basic configuration-sit back and our system will let you know.

› SMS & Email Alerting - An SMS or email alert is delivered to your mobile device or computer when the vehicle performs an action you wish to be notified about.

› Internal Battery Back-Up - Should, for some reason the device not get power, the internal battery will provide hours of service.

› Power Loss Alert - Constantly monitors the power level of the device. Should a device experience a power loss due to tampering, a locate is performed and an alert message is sent.

› Low Battery Alert - In the event that the car battery is weak, you will be notified.

› Easy Installation - Light-Emitting Diode (LED) equipped for auto diagnostics for the installer, our device is installed in just a few minutes. An optional quick connect OBD11 connector is also available.

› Network Heartbeat -Constantly monitors and views your web account, letting you know which of your devices are signed into the network -eliminating the need for weekly or monthly locates.

› Intuitive and Comprehensive Web Application - Easy to use web based program. No need to download software. All you need is a computer with an internet access to manage your account. All commands are done on demand or on schedule.

Network & Coverage →

Through more than 217 service agreements throughout more than 120 countries around the world, Payment Guardian's line of products benefit from a technology that is constantly scanning the networks for the strongest signal. Should a carrier have a weak signal, our exclusive technology will automatically over the air switch to another, which makes our network the broadest and most reliable. Our communications network is entirely digital GSM and is entirely carrier independent. We program our own SIM (Subscriber Identity Module) and don’t rely on a provider to do so. Because of these reasons, it allows us to provide a true pay per use solution.

In order to offer this worldwide service, Payment Guardian’s infrastructure is located in a 24/7 NOC (Network Operations Center) bunker in Montréal that boasts 99.9% uptime. The communication gateway to this worldwide service is offered via 3 separate SMPP (short message peer-to-peer protocol) connections with local carriers around the world.

Why Choose Payment Guardian? →

→ Our GPS devices never expire so you can use it for a s long as you need to and you don't have to pay any additional re-activation or annual fees.

→ With no monthly/annual airtime fees, you don't have to worry about being billed for thousands of dollars across your portfolio every year on top of what you already paid for the device.

→ We manage the Global Wireless Network so your vehicle's are constantly connected and receiving coverage no matter where they are.

→ Each device is individually quality tested to automotive grade standard SAE J1455:2006.

Market →

Payment Assurance Technology & GPS Tracking is one of the fastest growing industries in the world. Within 5 years, 80% of all leased and financed vehicles or electrical equipment will be equipped with a payment assurance device. Payment Assurance Technology will not only save millions of dollars in payment delinquencies but become everyday products used in home and automobile electronics applications. Advances in microcomputer technology will dramatically expand and diversify payment assurance products across multiple industries. Payment Guardian's Payment Assurance Technology & GPS Tracking technology is transforming consumer payment behavior, helping to ensure that payments are received on time, every time.

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