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Construction · head to head

Knowify vs Oracle Textura Payment Management

Knowify logo

Knowify

Construction

Construction and field service management integrated with QuickBooks

From
$99/month
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

  • Each has a real cost: Knowify additional users cost $29/month per person across all plans; 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 Knowify and Oracle Textura Payment Management actually diverge.

Attributes where Knowify and Oracle Textura Payment Management differ
AttributeKnowifyOracle Textura Payment Management
Starting price$99/monthOn request
Pricing modelsubscriptionPercentage of subcontract value, plus a quoted contractor subscription

Identical on both: 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 Knowify

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.

Knowify

  • Bidding fixed-price and AIA jobs with team managementnot Oracle Textura Payment Management
  • Tracking labor and materials costs to project phasesnot Oracle Textura Payment Management
  • Real-time dispatching and payment processing for crewsnot Oracle Textura Payment Management
  • Managing change orders and invoicing across projectsnot 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 Knowify
  • 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 Knowify
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot Knowify
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot Knowify

Where each one falls short

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

Knowify

  • Additional users cost $29/month per person across all plans
  • Monthly billing costs 50% more than 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
  • 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

Knowify

$99/month
  • Core$99/month
    • 1 user
    • Bid, execute, and invoice for fixed-price and AIA jobs
  • Advanced$329/month
    • 10 users
    • Project management
    • Job costing tools
  • Enterprise$null/mo
    • Unlimited users
    • Unlimited inventory
    • Custom pricing

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 Knowify if

Nothing in the data separates Knowify from Oracle Textura Payment Management on the points above - pick on price and on how each one feels to use.

Knowify 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 Knowify or Oracle Textura Payment Management better?
Neither clearly leads. Knowify starts at $99/month 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, Knowify or Oracle Textura Payment Management?
Knowify starts at $99/month and Oracle Textura Payment Management at On request.
Does Knowify or Oracle Textura Payment Management run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Knowify best used for?
Knowify is most often used for bidding fixed-price and aia jobs with team management, tracking labor and materials costs to project phases, real-time dispatching and payment processing for crews, managing change orders and invoicing across projects. Of those, bidding fixed-price and aia jobs with team management and tracking labor and materials costs to project phases are not what Oracle Textura Payment Management is typically brought in for.
What can Knowify 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

Knowify: How much does Knowify cost?

Knowify Core plan starts at $99/month for annual billing (or $149/month for monthly billing) and includes 1 user. The Advanced plan costs $329/month annually ($399/month monthly) and includes 10 users.

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.

Knowify: What is the cost per additional user on Knowify?

Additional users cost $29/month across all plans whether on Core or Advanced.

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.

Knowify: Does Knowify have a free trial?

A free trial is available for both Core and Advanced plans before requiring a paid subscription.

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.

Knowify: What add-on features are available on Knowify?

Service Pro ($99/month annually), Live Equipment Tracking ($25/vehicle/month annually), AI Dashcams ($25/dashcam annually), and Tool Tracking ($99/month) are available as paid add-ons.

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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