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Construction · head to head

GCPay vs STACK Construction Technologies

GCPay logo

GCPay

Construction

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

From
On request
Rated
-
Full reviewWebsite
STACK Construction Technologies logo

STACK Construction Technologies

Construction

Takeoff and estimating software for preconstruction

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only STACK Construction Technologies has a free tier, so it costs nothing to try first.
  • 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.; STACK Construction Technologies takeoff and Estimate is priced per user at $249 per user per month, so cost scales linearly with estimators
  • They diverge on capability: GCPay covers Pay application workflow, STACK Construction Technologies covers Digital takeoff.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which GCPay and STACK Construction Technologies actually diverge.

Attributes where GCPay and STACK Construction Technologies differ
AttributeGCPaySTACK Construction Technologies
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2011

Identical on both: 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 STACK Construction Technologies

  • Digital takeoff
  • Estimating
  • Bid management
  • Proposal generation
  • Plan storage
  • QuickBooks
  • Sage
  • Procore

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

STACK Construction Technologies

  • Construction project estimation and biddingnot GCPay
  • Field operations and daily reportingnot GCPay
  • Construction project managementnot GCPay
  • Material and labor takeoffnot 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.

STACK Construction Technologies

  • Takeoff and Estimate is priced per user at $249 per user per month, so cost scales linearly with estimators
  • The full platform combining takeoff, estimating and field management starts at $298 per user per month
  • Field and project management is sold as a separate Build and Operate product starting at $49 per user per month rather than bundled with takeoff
  • The Build and Operate product offers only a two-week free trial, with the free version limited to Takeoff and Estimate

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

STACK Construction Technologies

Free
  • Takeoff & Estimate$249/month
    • Quantity takeoff capabilities
    • Labor and material takeoff
    • Flexible estimates and proposals
  • Build & Operate$49/month
    • Responsive plan viewing and markup
    • Issues, punch lists, and daily reports
    • Customizable workflows
  • Full STACK Platform$298/month
    • Plan measurement and markup
    • Integrated estimating
    • Field and project management

Which should you pick?

Choose GCPay if

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

Choose STACK Construction Technologies if

  • You need digital takeoff.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want estimating.
STACK Construction Technologies review

Questions people ask

Is GCPay or STACK Construction Technologies better?
Neither clearly leads. GCPay starts at On request and STACK Construction Technologies at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, GCPay or STACK Construction Technologies?
STACK Construction Technologies has a free tier; the other does not. Paid plans start at On request for GCPay and Free for STACK Construction Technologies.
Does GCPay or STACK Construction Technologies run on more platforms?
GCPay runs on Web. STACK Construction Technologies runs on Web, Ios, Android.
Can I use STACK Construction Technologies for free?
Yes. STACK Construction Technologies has a free tier, so you can try it without paying. GCPay starts at On request.
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 STACK Construction Technologies is typically brought in for.
What can GCPay do that STACK Construction Technologies cannot?
GCPay covers Pay application workflow, Lien waiver exchange, Compliance tracking, Change order management. STACK Construction Technologies covers Digital takeoff, Estimating, Bid management, Proposal generation.

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.

STACK Construction Technologies: How much does STACK Construction cost?

STACK costs $49 to $298 per user per month depending on the plan. Build & Operate starts at $49/user/month, Takeoff & Estimate at $249/user/month, and Full STACK Platform at $298/user/month. Pricing is quoted per-user and scales with team size.

Source
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.

STACK Construction Technologies: Does STACK offer free options?

Yes, Takeoff & Estimate includes a free version, and Build & Operate includes a two-week free trial. Full STACK Platform offers a Build Your Price option for custom configurations.

Source
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.

STACK Construction Technologies: Can I get custom pricing from STACK?

Yes, STACK offers a Build Your Price option for the Full STACK Platform and Takeoff & Estimate to accommodate specific business requirements. Custom pricing requires direct consultation with their sales team.

Source
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.

STACK Construction Technologies: How quickly can STACK be implemented?

STACK promises quick implementation measured in hours rather than weeks, though the exact timeframe depends on your configuration and team size.

Source
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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