Is GCPay or Kojo better?

Neither clearly leads. GCPay starts at On request and Kojo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, GCPay or Kojo?

GCPay starts at On request and Kojo at On request.

Does GCPay or Kojo run on more platforms?

GCPay runs on Web. Kojo runs on Web, iOS, Android.

What is GCPay best used for?

GCPay is most often used for 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 drive, a contractor whose accounts payable team spends the first week of every month rekeying pay applications from pdf emails into sage or viewpoint, an owner-facing gc that must produce a clean audit trail of who was paid what and when, with insurance compliance evidence attached, a construction group standardising on autodesk construction cloud that wants payment application data in the same estate as the project record. Of those, 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 drive and a contractor whose accounts payable team spends the first week of every month rekeying pay applications from pdf emails into sage or viewpoint are not what Kojo is typically brought in for.

What can GCPay do that Kojo cannot?

GCPay covers Pay application workflow, Lien waiver exchange, Compliance tracking, Change order management. Kojo covers Field material requests, Multi-supplier quoting, Purchase order management, Inventory and warehouse.

Construction · head to head

GCPay vs Kojo

GCPay

Construction

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

From: On request
Rated: -

Full review Website

Kojo

Construction

Materials procurement and inventory for speciality trade contractors

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: 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.; Kojo benefits depend on distributors providing electronic catalogues and pricing, and a contractor whose main supplier will not participate is left keying quotes by hand.
They diverge on capability: GCPay covers Pay application workflow, Kojo covers Field material requests.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which GCPay and Kojo actually diverge.

Attributes where GCPay and Kojo differ
Attribute	GCPay	Kojo
Platforms	Web	Web, iOS, Android

Identical on both: starting price (On request), pricing model (quote), 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 GCPay

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

Only in Kojo

Field material requests
Multi-supplier quoting
Purchase order management
Inventory and warehouse
Committed cost visibility
Enterprise resource planning integration

What people use each for

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

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 Kojo
A contractor whose accounts payable team spends the first week of every month rekeying pay applications from PDF emails into Sage or Viewpointnot Kojo
An owner-facing GC that must produce a clean audit trail of who was paid what and when, with insurance compliance evidence attachednot Kojo
A construction group standardising on Autodesk Construction Cloud that wants payment application data in the same estate as the project recordnot Kojo

Kojo

An electrical or mechanical contractor where materials are close to half of job cost and buying happens dailynot GCPay
A trade contractor that cannot see committed material cost against a job until the invoice arrivesnot GCPay
A contractor consolidating purchasing across branches to negotiate better distributor pricingnot GCPay
A subcontractor tracking warehouse stock and job transfers that currently live in a spreadsheetnot GCPay

Where each one falls short

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

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.

Kojo

Benefits depend on distributors providing electronic catalogues and pricing, and a contractor whose main supplier will not participate is left keying quotes by hand.
It serves speciality trade contractors; general contractors procure subcontracts rather than materials and get almost nothing from it.
Enterprise resource planning integration quality varies by system and version, so confirm the depth for your exact configuration rather than accepting the logo on the website.
Field adoption is the whole game, and foremen who lose signal in a plant room or basement revert to phoning the office within days unless offline capture genuinely works.
It changes purchasing process as well as software, so contractors whose buying authority is informal have to formalise who can commit money before the system produces clean data.

Pricing, plan by plan

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

Kojo

On request

Kojo$undefined/year
- Materials procurement workflow
- Supplier quoting and purchase orders
- Inventory tracking

Which should you pick?

Choose GCPay if

You need pay application workflow.
You also want lien waiver exchange.

GCPay review

Choose Kojo if

You need field material requests.
You work on Web, iOS, Android.
You also want multi-supplier quoting.

Kojo review

Questions people ask

Is GCPay or Kojo better?: Neither clearly leads. GCPay starts at On request and Kojo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, GCPay or Kojo?: GCPay starts at On request and Kojo at On request.
Does GCPay or Kojo run on more platforms?: GCPay runs on Web. Kojo runs on Web, iOS, Android.
What is GCPay best used for?: GCPay is most often used for 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 drive, a contractor whose accounts payable team spends the first week of every month rekeying pay applications from pdf emails into sage or viewpoint, an owner-facing gc that must produce a clean audit trail of who was paid what and when, with insurance compliance evidence attached, a construction group standardising on autodesk construction cloud that wants payment application data in the same estate as the project record. Of those, 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 drive and a contractor whose accounts payable team spends the first week of every month rekeying pay applications from pdf emails into sage or viewpoint are not what Kojo is typically brought in for.
What can GCPay do that Kojo cannot?: GCPay covers Pay application workflow, Lien waiver exchange, Compliance tracking, Change order management. Kojo covers Field material requests, Multi-supplier quoting, Purchase order management, Inventory and warehouse.

Answered from the vendors’ own pages

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.

Kojo: Is this for general contractors?

No. It is built for speciality trade contractors buying materials. General contractors procure subcontracts and would get little from it.

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.

Kojo: What if our suppliers will not connect?

You lose most of the quoting benefit and keep only the internal workflow. Check distributor participation before purchase, because it determines the return.

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.

Kojo: Does it work without signal on site?

Field requests are designed for site use, and offline behaviour should be tested with your own crews in your worst locations, because that is where adoption is won or lost.

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.

GCPay vs Kojo

GCPay

Kojo

The short version

Where they differ

What each one covers

Only in GCPay

Only in Kojo

What people use each for

GCPay

Kojo

Where each one falls short

GCPay

Kojo

Pricing, plan by plan

GCPay

Kojo

Which should you pick?

Choose GCPay if

Choose Kojo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on GCPay

More on Kojo

Keep looking

Other head to heads