Titus merchant fees, processing times and payout speed

When a customer pays a Titus proposal or invoice, they can choose from three payment options: Card, ACH (bank transfer), or Pay at Close. Each option has a different fee, processing flow, and payout timeline. Here's what to expect for each.

Card Payments

Business fee	2.69% + $0.30 per transaction
Processing time	Transactions are grouped into a daily accrual window. Payouts for that window are approved and sent the following business day (around 1:00 PM ET).
Payout speed	Payouts are only sent on business days — transactions made Friday–Sunday or over a holiday are sent the next business day. Once sent, deposit timing depends on your bank; most post the same day, though it can take up to 24 hours.

The fee is deducted automatically before your payout is issued, so the amount you receive is net of the card fee.

ACH Payments (Bank Transfer)

Business fee	0.8% of the transaction, capped at $5
Processing time	Payment is collected via direct bank transfer (ACH) rather than a card network.
Payout speed	Payouts are set at T + 3 business days — funds are sent 3 business days after the transaction date. Once sent, actual deposit timing also depends on how quickly your bank processes incoming ACH transfers.

ACH is generally the lowest-cost option for larger invoices, since the fee is capped rather than scaling with the transaction amount. Please see additional notes on ACH below.

Pay at Close Payments

Business fee	3.99% fee on all Pay at Close transactions
Processing time	You're paid up front as soon as the transaction is approved — the customer repays Titus later, at closing or within 6 months, whichever comes first.
Payout speed	Payout is initiated within one hour via ACH bank transfer, sent Monday–Friday during business hours. Transactions after hours, on a weekend, or on a holiday are sent the next business day. Once sent, deposit depends on your bank's ACH processing — often real-time, sometimes up to 24 hours.

There are no setup fees, monthly fees, or long-term contracts for offering Pay at Close.

Note: Customers may also see a separate borrower fee depending on their state and credit profile — this is charged to the customer, not the business.

Quick Comparison

Payment Option	Business Fee	Payout Initiated	Typical Deposit Time
Card	2.69% + $0.30	Next business day (~1:00 PM ET)	1 - 2 business days
ACH	0.8%, capped at $5	T + 3 business days	3 - 4 business days
Pay at Close	3.99%	Immediately (next business day if after-hours/weekend/holiday)	Often real-time, up to 1 business day

All payout timelines assume your bank account is connected and verified in your Titus account settings. Actual deposit timing depends on your bank's own processing speed.

Why ACH Takes Longer

Batch processing: Banks bundle ACH requests into groups. They only send these bundles to the clearing house a few times a day.
Two clearing routes: Money travels through the Federal Reserve or the National Automated Clearing House Association (Nacha). This multi-step route adds handling time.
No immediate verification: The network cannot instantly check if a bank account has enough money. It takes days to find out if an ACH payment will bounce.
Fraud protection: Banks deliberately delay ACH transfers to give both sides time to flag unauthorized or accidental transactions.