Use Wells Fargo Financing in ServiceTitan

Overview

Built right into ServiceTitan, the Wells Fargo Financing integration allows you to offer Wells Fargo financing plans, submit an application, and receive a fast decision directly in the ServiceTitan Mobile App. You can also set custom financing rules, like spend thresholds on individual plans. This lets you control the open line of credit options you offer your customers for specific jobs and automate the financing experience altogether. With this feature, you can:

• Learn common Custom Financing terms you'll see across the product

• Set up Custom Financing in ServiceTitan

• Add custom rules or set default options as needed

• Apply and receive a decision for a Wells Fargo open line of credit in the ServiceTitan Mobile app

• Manage funding and Payments in the Wells Fargo Portal

Benefits of using this feature

• Save time and improve the customer experience by allowing customers to apply in ServiceTitan Mobile.

• Protect your margins by implementing minimum spends on individual financing plans.

• Close larger deals with dynamic financing offerings based on an Estimate's cost.

• Customize available financing offers based on a Job's Business Unit to ensure the correct plans are offered in the appropriate situations.

• Customize your financing to offer premium open line of credit options to customers with big-ticket items and jobs while minimizing merchant fees.

Common terms

Get familiar with these commonly used terms across the Custom Financing tool:

• Default Rule: Financing rule that is not tied to a business unit. A job assigned to a business unit that does not have a custom rule loads financing offers according to the default rule.

• Merchant ID (MID): An individual financing agreement/rate sheet, identified by a Merchant ID and a user-chosen Name (for example, naming a MID "Trane" or "Carrier" after the equipment brand it applies to). Each account group can hold up to 3 MIDs.

• Primary MID: When an account group has more than one Merchant ID, the one marked Primary (shown on the Review screen with a "Primary" badge).

• Default Rule: Financing rule tied to your Default account. Covers business units not assigned to any other account ("Unassigned").

• Custom Rule: Financing rule tied to a specific business-unit account group. Any job assigned to those business units loads financing offers according to this custom rule.

• Tier: A Total Spend range (for example, $0–$99,999) with one or more financing plans assigned to it. Plans available to a customer depend on which tier their estimate amount falls into.

• Primary plan: Within a tier, the plan used to calculate the estimated "as low as" monthly financing cost shown to the customer.

Use Wells Fargo Custom Financing in ServiceTitan

Custom Financing works in two ways:

• Setting a single default rule

• Creating multiple custom rules by changing details, spend thresholds, and more. Afterwards, you can edit and manage rules as your business needs change.

Set up your Wells Fargo accounts

1. Go to the navigation bar and click Settings .

2. In the side panel, click Integrations > Financing.

3. Under Providers, find Wells Fargo and click Configure.

   

4. Click Get Started (Get your business units ready for financing by assigning Merchant IDs. We'll walk you through setting defaults for unassigned units, creating custom groups for specific units (up to 3 MIDs each), and excluding units that don't need financing.).

   

5. Set up default accounts — Add up to three merchant IDs to serve as the foundation for your default rule, which automatically applies to any business unit without a custom assignment.

   • Enter a Merchant ID and a Name (for example, Trane).

   • Click + Add Merchant ID to add up to 2 more.

   • Click Next.

     

6. Set up accounts for specific business units (optional) — Configure custom account groups for specific business units (up to 3 merchant IDs per group).

   • If you add accounts, you must also create custom rules to activate the relationship, or the system will apply the default rule to those units."

     • Select the business unit(s), then enter a Merchant ID and Name for each MID in this group (for example, Carrier and Trane2).

   • Click + Add Merchant ID for additional MIDs in the same group, or + Add Account for another business-unit group entirely.

   • Click Next, or Skip if you don't need business-unit-specific accounts.

     

7. Exclude business units from financing (optional) — Financing options will never be displayed for excluded business units.

   Select any business units to exclude, then click Next, or Skip.

   

8. Review configuration — Lists each account group and its MID name(s). If a group has multiple MIDs, one is marked Primary (for example, Carrier (Primary), Trane2). Click Save to finish.

   

Saving takes you to the Wells Fargo page: an Accounts section listing each group and its MID name(s), and a Rules section (The Default Rule covers unassigned units; use custom rules to override defaults or target specific merchant ID groups) with a Create Default Rule button until your first rule exists.

Create a default rule

On the Wells Fargo page, in the Rules section, click Create Default Rule.

This opens the Create Financing Rule wizard.

1. The wizard opens on your first step shown at the top of a progress bar. Completed steps show a checkmark; the current step is numbered.

2. Under Select Rule Set Up, choose Use multiple spending tiers (Recommended — Offer different plans for jobs with different proposal prices) or Do not use spending tiers (Offer the same plans for all jobs, regardless of proposal price).

   

3. If you use tiers, under Select Plans (Add financing plans to spending tiers. For every eligible job, customers will be offered the plans within the tier that corresponds with the cost of their job estimate. — with Expand All / Collapse All links), enter the Total Spend range for Tier 1, then click + Add Plans.

   

4. In the Add plans panel, the body text reads "Select the plan(s) you would like to add to Tier 1" if you're adding to a tier, or just "Select the plan(s) you would like to add" if there are no tiers. Either way, optionally filter by APR, check the plan(s) you want to offer (for example, 4063 — Deferred Interest Plan 4063. Interest waived if the amount financed is paid in full within 6 month Promo Period. 36 monthly payments required, including during the Promo Period. Rates range from 17.99%-24.99% APR), and click Add Plan.

   

5. Back on the tier, select one plan as Primary (used to calculate the "as low as" monthly cost).

   • Click + Add Plan to add more plans to this tier.

   • Click + Add Tier to add another spend range and repeat.

     

6. If you choose "Do not use spending tiers" instead, you'll see a single flat Select Plans list — add and mark a Primary plan the same way, without tiers.

   

7. Then click + Add Plans, select the plans, and click Add Plan.

   

8. When you’re done, click Save Rule.

Edit a default rule

Unlike creating a rule, editing shows each Merchant ID as its own named step, and existing tiers appear as collapsed summary cards instead of an empty state.

1. On the Wells Fargo page, in the Rules section, click the Default Rule's name (a clickable link) to open the Edit Default Rule screen.

2. Each existing tier shows as a collapsed card with three summary fields:

   • Total Spend (for example, $0.00 to $4,999.99)

   • Average Dealer Fee (the average dealer fee percentage across that tier's selected plans, for example 5.83%)

   • Plans (a count, for example "3 plans selected").

     • Click the arrow on a tier, or Expand All / Collapse All, to open it and edit its Total Spend range or plans.

       

3. Click Edit Tier to add another tier, or edit/remove plans within an expanded tier the same way as when creating a rule.

4. Click Next to move to the next MID's step, and repeat.

5. On the last MID's step, click Save to finish.

   Note: To ensure that there is at least one financing plan available for your technicians to show customers, you can't delete a default rule entirely. If you want to hide financing from a specific business unit, exclude that business unit when setting up your accounts instead.

Create custom rules

You can create your own custom rules for your technicians to use in the field. Since a custom rule is tied to a business-unit account group you already set up (like "HVAC - Sales"), you don't need to re-select business units here — just name the rule and configure its plans.

1. On the Wells Fargo page, in the Rules section, click Add Rule.

   This opens the Create Custom Rule screen.

   

2. Enter a Name for your rule.

3. Add the business units attached to the rule and click Next.

4. Directly below, under Select Rule Set Up, choose Use multiple spending tiers or Do not use spending tiers, then configure Select Plans the same way described above under "Create a default rule" — this moves through each Merchant ID in the account group in sequence, just like the default rule.

   

5. Once you've configured the last Merchant ID, click Save.

6. You can view your rule in the Wells Fargo page's Rules section.

   

Edit a custom rule

1. On the Wells Fargo page, in the Rules section, click the custom rule's name (a clickable link) to open it.

   As with the default rule, this shows each Merchant ID as a named step, and existing tiers appear as collapsed summary cards (Total Spend, Average Dealer Fee, Plans count).

   

2. Edit the rule's name, or any Merchant ID's tiers and plans, as needed.

3. When you're done, click Save.

Charge a pre-authorized payment in ServiceTitan

After a Wells Fargo financing payment has been authorized, it can be charged in ServiceTitan.

1. Search for the invoice that needs the Wells Fargo payment.

2. Click Collect and Apply Payment.

3. Select Wells Fargo Financing from the Payment Type dropdown.

4. Click Charge. A confirmation pop-up appears.

   

5. Review the payment details and click Charge.

   Note: The charge amount must be equal to or less than the authorized amount. Multiple payments can be charged on a single authorization, but the sum total can't exceed the authorization amount.

   

6. If the payment is successful, that amount is deducted from the Invoice total.

   Note: Only payments that were authorized in ServiceTitan are eligible to be charged.

Want to learn more?

• See Payments

• See Use Wells Fargo Financing in ServiceTitan Mobile