Flux gives title companies ACH for rent and deposits, cards for application and holding fees, and a QuickBooks sync so three people can agree on the same number.
Why title companies choose Flux
ACH for rent and deposits
Collect recurring rent and large deposits over ACH instead of paying card rates on every payment.
Card fees for the small stuff
Application and holding fees are a natural fit for cards where speed matters more than rate.
Books that match
A QuickBooks sync categorizes rent, fees, and deposits so reconciliation is not a monthly argument.
How title companies get paid
Title Companies usually collect rent and earnest money over ACH for the friendlier economics, take application and holding fees by card, and reconcile it all through Flux.
A typical Flux setup for title companies
A title company's receivables split cleanly in two: closing funds, which are governed by good-funds rules and usually must arrive by wire or other irrevocable means, and the company's own fees, which are not. Flux handles the second category: title searches, settlement fees, document preparation, and recording service charges, billed to the buyer, seller, lender, or referring attorney by card at the flat 2.9 percent plus 30 cents or by ACH for larger invoices.
Earnest money intake is where timing bites. ACH settles in 1 to 3 business days, so deposits should be initiated the day the contract is signed, not the week of closing. For parties who need funds to land immediately, a stablecoin payment on Solana or Ripple (XRP Ledger) settles instantly to the merchant wallet. The REST API can drop payment links into your title production software so a file opens with its deposit request already sent.
What title companies should watch
Good-funds statutes decide what you may disburse against, and in most states a card payment or standard ACH does not qualify for closing proceeds. Keep the escrow account and its wire flows exactly as your underwriter and regulator expect, and use Flux only for the fees and deposits your state permits on these rails. When in doubt, your underwriting counsel's word beats any payment processor's marketing, including ours, and that is how it should be.
Refunds are routine in this business: deals fall through, earnest money goes back, fee overages get returned after recording. Build the refund path deliberately, returning funds to the original payment method with the file number attached, so your three-way reconciliation still balances. Card payments for fees carry dispute rights, so keep signed fee agreements and settlement statements filed against each transaction in case a buyer disputes a charge months after the closing.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume title companies and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do title companies accept payments with Flux?
Title Companies accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge title companies?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do title companies get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can earnest money come in by ACH and still meet our deadlines?
Yes, if you start early. ACH settles in 1 to 3 business days, so a deposit initiated at contract signing is settled well before contingency deadlines. For same-day needs, a stablecoin payment on Solana or Ripple (XRP Ledger) settles instantly to the merchant wallet.
Should closing funds themselves go through Flux?
Generally no. Good-funds laws in most states require closing proceeds to arrive by wire or equally irrevocable means, and your underwriter sets the rules for the escrow account. Flux fits the fees around the closing: searches, settlement charges, and document services.
How do we keep fee income separate from escrow money?
Flux settles only to the operating account you designate, so fee revenue never touches escrow. QuickBooks sync posts each fee against its file number, which keeps operating income reconciled without manual reclassing and leaves the escrow account's audit trail untouched.
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