Construction · head to head
CMiC vs GCPay
GCPay
Construction
Subcontractor pay application and lien waiver exchange for general contractors in North America
- From
- On request
- Rated
- -
The short version
- Each has a real cost: CMiC no specific pricing disclosed on website; 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: CMiC covers Project management, GCPay covers Pay application workflow.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which CMiC and GCPay actually diverge.
Identical on both: free tier (No), 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 CMiC
- Project management
- Accounting
- Document management
- Job costing
- Field operations
- QuickBooks
- Sage
- Microsoft 365
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.
CMiC
- Insurance and risk managementnot GCPay
- Professional liability coveragenot GCPay
- Construction industry insurancenot 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 CMiC
- A contractor whose accounts payable team spends the first week of every month rekeying pay applications from PDF emails into Sage or Viewpointnot CMiC
- An owner-facing GC that must produce a clean audit trail of who was paid what and when, with insurance compliance evidence attachednot CMiC
- A construction group standardising on Autodesk Construction Cloud that wants payment application data in the same estate as the project recordnot CMiC
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
CMiC
- No specific pricing disclosed on website
- Website directs users to /pricing page for quotes only
- Custom quoting model used for all customers
- No tiered plans or standard pricing published
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
CMiC
$300/month- Core$300/month
- Project management
- Accounting
- Document management
- EnterpriseFree
- Mobile field app
- Advanced analytics
- API access
GCPay
On request- GCPay for General Contractors$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 CMiC if
- You need project management.
- You work on Web, Ios, Android.
- You also want accounting.
Questions people ask
- Is CMiC or GCPay better?
- Neither clearly leads. CMiC starts at $300/month and GCPay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, CMiC or GCPay?
- CMiC starts at $300/month and GCPay at On request.
- Does CMiC or GCPay run on more platforms?
- CMiC runs on Web, Ios, Android. GCPay runs on Web.
- What is CMiC best used for?
- CMiC is most often used for insurance and risk management, professional liability coverage, construction industry insurance. Of those, insurance and risk management and professional liability coverage are not what GCPay is typically brought in for.
- What can CMiC do that GCPay cannot?
- CMiC covers Project management, Accounting, Document management, Job costing. GCPay covers Pay application workflow, Lien waiver exchange, Compliance tracking, Change order management.
Answered from the vendors’ own pages
CMiC: How much does CMiC cost?
CMiC does not publish fixed pricing on its website. The company uses a custom quote model. Interested parties must visit the /pricing page or contact CMiC directly to request a quote for their specific needs.
SourceGCPay: 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.
CMiC: What is CMiC's pricing model?
CMiC uses a custom enterprise pricing model rather than published tiered plans. All pricing is determined on a case-by-case basis through their sales team.
SourceGCPay: 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.
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.
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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