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How much does Titus Pay at Close cost?

Pay at Close allows your clients to pay for their media services at closing — while you get paid instantly when they purchase their media.

Here’s exactly what it costs.

Business Fee

Titus charges a 3.99% business fee on each Pay at Close transaction.

There are:

  • No setup fees

  • No monthly fees

  • No subscription costs

  • No long-term contracts

The 3.99% fee is applied to each approved Pay at Close order.

Borrower (Agent) Fee

In some states, a borrower fee may apply.

  • Borrower fees vary by state and credit profile, and range from 0% to 8%.

  • The exact amount is clearly shown to the agent before they accept the terms.

  • There are no hidden fees.


Why photographers use Pay at Close

Many businesses find that the ability to offer Pay at Close:

  • Increases order size

  • Removes booking friction

  • Helps agents say “yes” faster

  • Reduces payment collection headaches

For many photographers, the increased revenue opportunity outweighs the 3.99% transaction fee.