About Capital Guardians

Capital Guardians improves the life of individuals in protected environments by supporting their families and organisations to efficiently manage financial transactions with strong & transparent governance.

We believe that administration workload and complexity should not exist for basic individual needs.

As Australia’s largest processor of care payments we:

  • Have been in business since 2009, operating across all Australian states and New Zealand;
  • Manage care payments for tens of thousands of individuals, families and organisations;
  • Are the only operator of this kind in Australiasia, and as the most efficient the costs of the service are negligible and a fraction of alternative options;
  • Hold an Australian Financial Services Licence, number 504332;
  • Save organisations significant time and money in not having to follow up debtors, pay postage, printing and general administration costs;
  • Offer a sophisticated e-commerce system designed by industry veterans from within Australia’s largest accounting system providers and aged care businesses;
  • Use cloud-based paperless technology. With one click it automates from any accounting system to scan, record, and save “pdf” invoices. It also provides detailed transaction information and best practice governance audit trail, back to invoice authorities;
  • Use leading-edge security, including SSL 128-bit security encryption;
  • Protect money through a trust management service that operates directly under the prudential framework and auspicious of the Australian Securities and Investments Commission (ASIC);
  • Hold monies with the Westpac (New Zealand) and NAB Bank, reconcile it daily, and have it audited by Nexia.


Care Payment Processing

We process thousands of care payments for individuals and organisations every day.

NDIS Plan Management

Our valued NDIS Plan Management clients rest easy with the unparalleled level of financial transparency we offer, and ease at which plans are managed, all at no cost to our client.

Find Out More

Our services are ideally suited to individuals:

  • Overseeing the finanical management and care of other persons and want transparency, governance and security without the workload;
  • Who use Capital Guardians as a digital wallet – a single convenient account that manages care related payments to a restricted number of trusted businesses;

And organisations who:

  • Oversee the care of individuals (such as disability and aged care operators);
  • Regularly invoice individuals for personal supplies and require simple billing and prompt payment;
  • Consider Capital Guardians as a replacement for their accounts receivable requirements and a paperless extension of their billing system.

We Work With






10/585 Little Collins Street

Melbourne, Victoria 3000

03 9008 9992 (VIC & TAS)

02 9055 8777 (NSW & ACT)

07 2102 9700 (QLD & NT)

08 6117 6880 (SA & WA)


Mt Eden, Auckland 1024

Phone: 09 8888 1005

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