Softwr

Construction · head to head

Billd vs GCPay

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
GCPay logo

GCPay

Construction

Subcontractor pay application and lien waiver exchange for general contractors in North America

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Billd the contractor carries the fee rather than the supplier, so unless the cost is bid into the job or offset by a negotiated supplier cash discount, financed material is simply more expensive material.; GCPay the subcontractor is a compelled user who did not choose the tool, so adoption friction and support load fall on the general contractor, and small trades with one bookkeeper resent every extra portal.
  • They diverge on capability: Billd covers Material financing, GCPay covers Pay application workflow.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and GCPay actually diverge.

Attributes where Billd and GCPay differ
AttributeBilldGCPay

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web), user rating (Not yet rated), category (Construction).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Billd

  • Material financing
  • Pay App Advance
  • Same-day supplier funding
  • Supplier network terms
  • Credit line for materials
  • Online account portal

Only in GCPay

  • Pay application workflow
  • Lien waiver exchange
  • Compliance tracking
  • Change order management
  • ePayments
  • Retainage handling
  • ERP integration
  • Subcontractor portal

What people use each for

The jobs each tool is most often brought in to do.

Billd

  • An electrical subcontractor that has won a job larger than its cash position can carry through the first three material buysnot GCPay
  • A concrete contractor whose general contractor pays at 75 days while the supplier expects 30not GCPay
  • A growing mechanical firm that wants to negotiate a supplier cash discount by paying immediately, funded by Billdnot GCPay
  • A subcontractor with a signed pay application sitting unpaid that needs payroll covered before the cheque landsnot GCPay

GCPay

  • A general contractor in a strict lien state that has been burned by a missing unconditional waiver and needs waiver status tied to each payment rather than filed in a shared drivenot Billd
  • A contractor whose accounts payable team spends the first week of every month rekeying pay applications from PDF emails into Sage or Viewpointnot Billd
  • An owner-facing GC that must produce a clean audit trail of who was paid what and when, with insurance compliance evidence attachednot Billd
  • A construction group standardising on Autodesk Construction Cloud that wants payment application data in the same estate as the project recordnot Billd

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billd

  • The contractor carries the fee rather than the supplier, so unless the cost is bid into the job or offset by a negotiated supplier cash discount, financed material is simply more expensive material.
  • No rate card is published, so the effective annualised cost is only visible after underwriting and cannot be compared against a bank line or a card facility before you apply.
  • A 120 day term assumes the general contractor pays roughly on time; if the GC drags past that, the subcontractor owes Billd on schedule regardless of whether it has been paid.
  • This is credit, not construction software, so it adds a debt obligation and a covenant relationship to a business that a surety and a bonding agent will look at when setting bonding capacity.
  • Coverage is US commercial construction, so contractors outside that market or working residential get little from it, and eligibility depends on project type and the creditworthiness of the paying party.

GCPay

  • The subcontractor is a compelled user who did not choose the tool, so adoption friction and support load fall on the general contractor, and small trades with one bookkeeper resent every extra portal.
  • Pricing is entirely quoted and keyed to annual subcontracted construction value, which means a contractor with a few very large subcontracts can pay far more than one with many small ones for identical functionality.
  • The ePayment fee structure is decided per general contractor, so a subcontractor cannot predict its cost of getting paid across clients and may be charged on one job and not another for the same work.
  • It is a payment and compliance system, not job costing; commitments still have to reconcile against the ERP, and integration gaps mean many contractors run a manual check anyway.
  • Autodesk acquired parent Payapps in 2024, and the strategic direction is convergence with Autodesk Construction Cloud, so buyers on Procore or a non-Autodesk stack should ask directly what the roadmap commitment to their platform is.

Pricing, plan by plan

Billd

On request
  • Material Financing$undefined/year
    • Supplier paid upfront
    • Repayment up to 120 days
    • Fee set per draw after underwriting
  • Pay App Advance$undefined/year
    • Advance against billed and uncollected work
    • Purchase fee deducted from the advance
    • Terms set per contractor

GCPay

On request
  • GCPay for General Contractors$undefined/year
    • Priced on project count, subcontractor count and annual subcontracted volume
    • Unlimited free subcontractor accounts
    • Lien waiver and compliance tracking
  • ePayments and Waiver Exchange$undefined/month
    • Per-transaction fee disclosed at submission
    • General contractor may absorb the fee or pass it to the subcontractor
    • Subcontractor must acknowledge the fee before submitting

Which should you pick?

Choose Billd if

  • You need material financing.
  • You also want pay app advance.
Billd review

Choose GCPay if

  • You need pay application workflow.
  • You also want lien waiver exchange.
GCPay review

Questions people ask

Is Billd or GCPay better?
Neither clearly leads. Billd starts at On request and GCPay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or GCPay?
Billd starts at On request and GCPay at On request.
Does Billd or GCPay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Billd best used for?
Billd is most often used for an electrical subcontractor that has won a job larger than its cash position can carry through the first three material buys, a concrete contractor whose general contractor pays at 75 days while the supplier expects 30, a growing mechanical firm that wants to negotiate a supplier cash discount by paying immediately, funded by billd, a subcontractor with a signed pay application sitting unpaid that needs payroll covered before the cheque lands. Of those, an electrical subcontractor that has won a job larger than its cash position can carry through the first three material buys and a concrete contractor whose general contractor pays at 75 days while the supplier expects 30 are not what GCPay is typically brought in for.
What can Billd do that GCPay cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. GCPay covers Pay application workflow, Lien waiver exchange, Compliance tracking, Change order management.

Answered from the vendors’ own pages

Billd: Who pays Billd's fee, the contractor or the supplier?

The contractor. The supplier is paid upfront in full and carries no credit risk.

GCPay: Who pays for GCPay, the GC or the sub?

The general contractor pays the subscription. Subcontractor accounts are free. Only the optional ePayment and waiver exchange transaction fee can be passed to the subcontractor, and only with their acknowledgement.

Billd: Does Billd publish rates?

No. Cost depends on term, product and underwriting outcome and is disclosed in the offer.

GCPay: How much is the ePayment fee?

It is a flat per-transaction fee, disclosed at the point the pay application is submitted. GCPay has published a $15 figure for the ePayments and waiver exchange service, and the GC decides who bears it.

Billd: What happens if my general contractor pays late?

You still owe Billd on the agreed schedule. The 120 day term is designed to cover a normal pay cycle, not a dispute.

GCPay: Is GCPay owned by Autodesk?

Yes. Autodesk agreed to acquire Payapps, which trades as GCPay in North America and Payapps elsewhere, in January 2024.

Billd: Does using Billd affect bonding capacity?

It is a debt facility, so a surety will consider it. Discuss it with your bonding agent before drawing heavily.

GCPay: Does it replace our construction accounting system?

No. It handles the application, approval and compliance workflow and then pushes approved payments into your ERP.

GCPay: Can subcontractors export their own records?

Subcontractors can download their submitted applications and waivers, but the project record belongs to the general contractor's account, so a sub should keep its own copies rather than rely on continued portal access.

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