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Construction · head to head

Buildxact vs Oracle Textura Payment Management

Buildxact logo

Buildxact

Construction

Estimating and construction management for builders, remodelers and material dealers

From
Free
Rated
-
Full reviewWebsite
Oracle Textura Payment Management logo

Oracle Textura Payment Management

Construction

Construction payment, lien waiver and compliance workflow where the subcontractor pays the fee

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Buildxact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Buildxact 15% discount applied only to annual billing; Oracle Textura Payment Management the subcontractors pay 0.22 per cent of their contract value to invoice a customer that chose the platform for them, which makes rollout a negotiation with every trade on the job and produces genuine refusals from small specialty contractors
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Buildxact and Oracle Textura Payment Management actually diverge.

Attributes where Buildxact and Oracle Textura Payment Management differ
AttributeBuildxactOracle Textura Payment Management
Starting priceFreeOn request
Pricing modelsubscriptionPercentage of subcontract value, plus a quoted contractor subscription
Free tierYesNo

Identical on both: 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 Buildxact

Nothing recorded that Oracle Textura Payment Management does not also cover.

Only in Oracle Textura Payment Management

  • Pay application workflow
  • Lien waiver automation
  • Compliance document tracking
  • Sub-tier visibility
  • Funds disbursement
  • Owner and lender draws
  • Integration to ERP

What people use each for

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

Buildxact

  • Reducing estimation time from 30-40 hoursnot Oracle Textura Payment Management
  • Managing projects from lead to invoicenot Oracle Textura Payment Management
  • Generating estimates with digital signaturesnot Oracle Textura Payment Management
  • Integrating material dealers into workflownot Oracle Textura Payment Management

Oracle Textura Payment Management

  • A general contractor on a 200 million dollar hospital wants every lien waiver in the correct state form before funds leave the account, with an audit trail the title company will acceptnot Buildxact
  • A developer requires sub-tier visibility down two levels because a supplier lien on a previous project cost it a payment it had already madenot Buildxact
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot Buildxact
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot Buildxact

Where each one falls short

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

Buildxact

  • 15% discount applied only to annual billing
  • Advanced AI add-ons require additional per-month fees

Oracle Textura Payment Management

  • The subcontractors pay 0.22 per cent of their contract value to invoice a customer that chose the platform for them, which makes rollout a negotiation with every trade on the job and produces genuine refusals from small specialty contractors
  • The fee is charged per project, so a subcontractor working ten projects a year for Textura-using general contractors pays ten times, and there is no annual cap across projects
  • Subcontractor-side usability is poor enough that trades routinely need coaching for their first pay application, and the general contractor absorbs that support burden even though Oracle collects the fee
  • It is an Oracle enterprise product, which means procurement, contract negotiation and an implementation partner, so the time from signature to first live project is measured in months and not weeks
  • Data export on project closeout is limited to reports and standard extracts rather than a full structured handover, so a contractor leaving the platform keeps the PDFs but loses much of the queryable payment history

Pricing, plan by plan

Buildxact

Free
  • GoFree
    • 5 complimentary credits
    • AI Estimating
    • Professional Proposals
  • Foundation$199/month
    • Unlimited users
    • Lead management
    • Digital takeoffs
  • Pro$399/month
    • All Foundation features
    • Blu Estimate Generator
    • Job management
  • Master$599/month
    • All Pro features
    • Blu Takeoff Assistant
    • Blu Estimate Reviewer

Oracle Textura Payment Management

On request
  • Subcontractor usage fee$undefined/project
    • 0.22 per cent of subcontract value on projects created after 19 January 2023
    • No minimum fee
    • Capped at 5,000 USD, reached around 2.3 million USD of contract value
  • General contractor subscription$undefined/year
    • Quoted by Oracle against project volume and modules
    • Not published
    • Usually sold with Primavera or Aconex

Which should you pick?

Choose Buildxact if

  • You want to start without paying.
Buildxact review

Choose Oracle Textura Payment Management if

  • You need pay application workflow.
  • You also want lien waiver automation.
Oracle Textura Payment Management review

Questions people ask

Is Buildxact or Oracle Textura Payment Management better?
Neither clearly leads. Buildxact starts at Free and Oracle Textura Payment Management at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Buildxact or Oracle Textura Payment Management?
Buildxact has a free tier; the other does not. Paid plans start at Free for Buildxact and On request for Oracle Textura Payment Management.
Does Buildxact or Oracle Textura Payment Management run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Buildxact for free?
Yes. Buildxact has a free tier, so you can try it without paying. Oracle Textura Payment Management starts at On request.
What is Buildxact best used for?
Buildxact is most often used for reducing estimation time from 30-40 hours, managing projects from lead to invoice, generating estimates with digital signatures, integrating material dealers into workflow. Of those, reducing estimation time from 30-40 hours and managing projects from lead to invoice are not what Oracle Textura Payment Management is typically brought in for.
What can Buildxact do that Oracle Textura Payment Management cannot?
Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility.

Answered from the vendors’ own pages

Buildxact: Does Buildxact offer a free tier?

Yes, Buildxact's Go plan is free and includes 5 complimentary credits for AI Estimating and Professional Proposals, plus access to Home Depot Material Ordering.

Source
Oracle Textura Payment Management: Who actually pays for Textura, the general contractor or the subcontractor?

Both. The general contractor pays Oracle a subscription that is not published. Each subcontractor is separately billed 0.22 per cent of its contract value per project, capped at 5,000 US dollars, with a flat 100 dollars for sub-tier contracts.

Buildxact: What is the price difference between monthly and annual billing?

Annual plans include a 15% discount. For example, Foundation costs $199/month on monthly billing but $169/month ($2,030/year) on annual billing, saving $358 per year.

Source
Oracle Textura Payment Management: Can a subcontractor refuse to use it?

In practice no, if the prime contract mandates it, because pay applications are only accepted through the platform. Some subcontractors price the fee into their bid instead.

Buildxact: How many users can access Buildxact?

Foundation, Pro, and Master plans include unlimited users. The free Go plan does not specify user limits.

Source
Oracle Textura Payment Management: Is Textura the same thing as Textura Payment Management?

Yes. Oracle sells one product under the name Oracle Textura Payment Management. There is no separate Textura product line to buy.

Buildxact: What add-on costs are available?

Additional AI tools cost $99/month for Blu Takeoff Assistant and $149/month for Blu Estimate Reviewer, available on Pro and Master plans.

Source
Oracle Textura Payment Management: Does it handle lien waivers outside the United States?

It has European and Australian variants with local payment and compliance handling, but the statutory lien waiver machinery is a United States feature and is the main reason to buy it.

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