---
title: "Offer multiple financing programs on one business unit with Synchrony and Wells Fargo"
slug: "offer-multiple-financing-programs-on-one-business-unit-with-synchrony-1"
updated: 2026-10-15T01:01:21Z
published: 2026-10-15T01:01:21Z
canonical: "help.servicetitan.com/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-1"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.servicetitan.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Offer multiple financing programs on one business unit with Synchrony and Wells Fargo

## Overview

You can offer more than one Financing program on a single Business Unit through the Synchrony Financial (SYF) and Wells Fargo (WF) integrations. You add multiple Merchant IDs (MIDs) to a business unit, name each one, and assign them to custom financing rules. This lets one business unit present distinct financing programs for different brands, product lines, or pricing strategies without creating separate business units.

---

### 

#### Who uses this feature

- Administrators, bookkeepers, and managers
- Primarily benefits Residential Service and Replacement business types and Residential Construction business types
- Primarily benefits HVAC trades

#### Feature configuration

- Account configuration is required to use this feature. Contact your Customer Success Manager (CSM) or [Technical Support](http://go.servicetitan.com/ask) to request access to multiple concurrent financing programs.

## Things to know

- This feature works only with the Synchrony Financial (SYF) and Wells Fargo (WF) financing integrations.
- You can add up to three Merchant IDs (MIDs) on a business unit.
- Each MID represents one financing program and its rate sheet. Name each MID so your team can tell programs apart.
- You can assign one or more MIDs to the default rule or to a custom rule.
- Before you remove a MID, delete any rules that use it. You can't remove a MID while it still has active rules.
- Confirm with your financing partner that each additional MID is active before you add it in ServiceTitan.

## Best practices

- Decide which business units need more than one financing program before you start, and gather the Merchant IDs (MIDs) for each program.
- Give each MID a clear, recognizable name, such as the brand or product line it supports, so your office team selects the right program.
- Align with Synchrony Financial or Wells Fargo so each additional MID is active and ready before you configure it.
- Review the financing options your technicians see in the field after you make changes, so the correct programs show on jobs.

## Use cases

- An HVAC company partners with two equipment brands, each with its own Synchrony Financial program. The administrator adds both MIDs to the HVAC business unit so technicians present the right program for the brand being installed.
- A plumbing company runs a premium program and a standard program with different rate sheets. Both programs are available on the same business unit, and the office team selects the right one when generating financing offers.
- A multi-location electrical contractor offers region-specific Wells Fargo terms under one business unit. The administrator assigns separate MIDs to the business unit and maps each to a custom rule.
- A residential construction company offers different programs for new builds and remodels. Each program uses its own MID, so the financing options match the type of project.

## Add a Merchant ID to a business unit

1. Go to the top toolbar and click **Settings** ![A simple icon representing a settings gear.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/icon-gnav-settings-inactive.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D).
2. In the side panel, click **Integrations > Financing**.
3. Find the **Wells Fargo** or **Synchrony** section and click **Edit**.

![Wells Fargo account configuration showing selected options and edit button for adjustments.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-sqbxed8m.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Under *Accounts*, click **Edit**.

![Accounts section for configuring financing options with an editable button.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-8cph4grd.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Enter the **Merchant ID** provided by your financing partner.

> [!NOTE]
> **Note:** Confirm with Synchrony Financial or Wells Fargo that the Merchant ID is active before you add it.
2. Enter a **name** for the MID so your team can identify the program it represents.
3. (Optional) click **Add Merchant ID** and repeat steps 5 and 6. This can be done until there are three MIDS to serve as the foundation for your default rule.
4. Click **Next**.

![Setting up default accounts with merchant IDs and user-facing names for business units.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-lpvr4wim.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. If there are multiple merchant IDs, select a MID as the primary rate sheet for default accounts and click **Next.**

![Select a primary merchant ID for default accounts in the application interface.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-evlr1wz9.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Under *Set up accounts for specific business units,* click **Add Account** and select one or more business units from the dropdown.
2. Enter the **Merchant ID** and **Name** for the account.
3. (Optional) Click **Add Merchant ID** and repeat step 11 up to two times.
4. Click **Next**.

![Setting up accounts for HVAC business units with Merchant ID and name fields.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-xcdm0bvf.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Select any business units that must be excluded from financing and click **Next.** If no exclusions are needed, click **Skip**.
2. When finished, click **Save**.

![Configuration review for HVAC business units with options to save changes.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-k8n56aq9.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

## Assign Merchant IDs to a custom financing rule

After you add your Merchant IDs (MIDs), assign them to a custom rule so the right programs show on jobs for that business unit.

1. Go to the top toolbar and click **Settings** ![A simple icon representing a settings gear.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/icon-gnav-settings-inactive.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D).
2. In the side panel, click **Integrations > Financing**.
3. Find the **Wells Fargo** or **Synchrony** section and click **Edit**.
4. Click **Add** for the business unit group you want to assign this new rule to.

![Overview of rules for HVAC business units with options to add or edit rules.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-l8l2pnsd.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. In *Set Details*, enter a name for your rule.
2. Select one or more business units to apply the rule to, then click **Next**.

![Setting rule name and selecting business units for HVAC configuration in the application.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-kovk2sze.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Select the plans you want to include, set tiers as needed, and review your selections.
2. When finished, click **Save Rule**.

![Options for setting up spending tiers and financing plans for customer jobs.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-7ecas8o3.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

## Remove a Merchant ID from a business unit

Delete any custom rules that use the Merchant ID (MID) you want to remove.

> [!NOTE]
> **Note:** You can't remove a MID while it still has active rules.

1. Go to the top toolbar and click **Settings** ![A simple icon representing a settings gear.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/icon-gnav-settings-inactive.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D).
2. In the side panel, click **Integrations > Financing**.
3. Find the **Wells Fargo** or **Synchrony** section and click **Edit**.
4. Click **Delete Rule** for any rule that contains the MID you want to remove.

![Table displaying rules with options to delete and add new rules for business units.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-wcvw9ufq.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

1. Under *Accounts*, click **Edit**.
2. Find the MID you want to remove and click **Delete Merchant ID**.

![User interface for setting up default merchant accounts with options to add or delete.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/offer-multiple-financing-programs-on-one-business-unit-with-synchrony-and-wells-fargo-image-lhwd93mq.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A37%3A36Z&se=2026-10-31T03%3A37%3A36Z&sr=c&sp=r&sig=wjtjbr73aV4h5mXRDgI0Oxm7TT1Fb%2BPVidscOof7d30%3D)

## Want to learn more?

- See [Use Wells Fargo Financing in ServiceTitan](/construction/docs/use-wells-fargo-financing-in-servicetitan)
- See [Use Synchrony Financing in ServiceTitan](/construction/docs/use-synchrony-financing-in-servicetitan)

Integration with third-party financing partners (e.g., GreenSky, Wisetack) that lets customers apply for financing on large jobs.

**What it does:** Increases average ticket size and close rates by removing price barriers for customers who can't pay upfront.

**Also called:** Customer financing, Payment plans

**Tags:** Core

[See the full glossary →](https://help.servicetitan.com/docs/glossary-overview)

**a.k.a.** Customer Financing

An internal division within ServiceTitan used to segment work, reporting, and accounting — for example, “Resi HVAC” vs. “Commercial Plumbing.”

**What it does:** Lets multi-trade or multi-division businesses track performance, capacity, and financials separately per division.

**Where to find it:** Settings › Business Units.

**Also called:** Trade division, Service line, BU

**Tags:** Core

[Learn more →](https://help.servicetitan.com/docs/add-and-edit-a-trade-or-division) · [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview)