Maximize your listing's potential without the immediate overhead. Virtuance’s new Pay-at-Close offering through Titus is a "Buy Now, Pay Later" solution tailored for real estate professionals. It allows you to defer payment on your Virtuance order until your listing closes, keeping your cash flow fluid while your marketing stays active.
Who is Titus?
Titus is our specialized financial partner. They allow you to defer payment of your Virtuance order until your listing closes or six months from your application date, whichever comes first.
Eligibility for Pay-at-Close
To ensure a smooth checkout experience, please review the following criteria to see if your order qualifies for our Pay-at-Close option powered by Titus.
You are eligible to select Pay-at-Close at checkout if:
Online Ordering: The order is placed directly through virtuance.com.
Standard Payment Profile: You are a standard user (not currently set up as an "invoiced" client).
Order Total: The total Virtuance order is $1,000 or less.
Scheduling: The shoot is scheduled to take place within 30 days of the booking date.
Titus Approval: You meet Titus’s specific approval requirements, which include:
An active real estate license.
A signed listing agreement for the property.
Meeting minimum credit criteria.
How to Order with Pay-at-Close
Booking your shoot with deferred payment is integrated directly into the Virtuance checkout process. Follow these steps:
Note: When you begin your order, you’ll see a callout to “Learn More about Titus”. When selecting this, a window will pop-up with some details and an estimated rate calculator.
Start Your Order: Begin your Virtuance order and proceed through steps 1–5 (selecting your package, add-ons, and schedule).
Be aware of the following:
Titus will only defer payment on Virtuance orders under $1,000
Your shoot must be scheduled within 30 days of booking in order to take advantage of Pay-at-Close. Please be aware of this when booking your shoot date/time on Step 5.
Select Payment Method: On Step 6 (Payment), select the "Pay-at-Close with Titus" option.
Complete the Titus Application: A window will pop up. Complete the brief application and approval process via Titus.
Note: While Virtuance offers the Titus Pay-at-Close option, approval is managed by Titus and is not guaranteed. Agents must have an active license, a signed listing agreement, and meet minimum credit criteria to qualify. Titus performs a soft credit pull for pre-qualification, which does not impact your credit score.
Review Your Order: Once approved, you will be directed back to Step 3 of the Virtuance checkout. This allows you to add any final services if desired now that you’ve been approved for deferred payment.
Note: Your previous selections (services, photographer, schedule, etc.) will remain saved.
Confirm Approval: Click "Next" until you are back at Step 6. You will see "Pay-at-Close" is still selected and shows your approved status. You’ll also notice your cart shows the order total but says “$0 due till close with Titus” below the total order amount.
Finalize: Complete your order and we will handle the rest!
Managing Your Payment to Titus
By selecting Pay-at-Close, your financial obligation for the order is transferred to Titus. While Virtuance remains your contact for photography and media delivery, Titus manages all billing, deferment, and payment collection.
How to Facilitate Payment
Once your listing moves to pending or contingent status, you must upload the closing details directly into the Titus portal. Titus will then coordinate with your closing agent or escrow officer to ensure the balance is collected from your commission at settlement.
Handling Delayed Closings
If your closing date is pushed back, simply log into the Titus portal and update the information. The system is designed to be flexible, provided the new closing date remains within the six-month deferment window.
The Backup Payment Method
During the application process, Titus requires a debit card to be kept on file. This card is charged if:
The listing does not sell within the six-month deferment period.
You choose not to go on a flexible payment plan.
Risk & Credit Impact
Please be aware that any delinquent payments or failure to settle the balance after the deferment period may be reported to credit bureaus, which could impact your professional credit score. Please refer to Titus’ Terms and Conditions.