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Construction · head to head

Kojo vs Oracle Textura Payment Management

Kojo logo

Kojo

Construction

Materials procurement and inventory for speciality trade contractors

From
On request
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: 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.; 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
  • They diverge on capability: Kojo covers Field material requests, Oracle Textura Payment Management covers Pay application workflow.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Kojo and Oracle Textura Payment Management differ
AttributeKojoOracle Textura Payment Management
Pricing modelquotePercentage of subcontract value, plus a quoted contractor subscription
PlatformsWeb, iOS, AndroidWeb

Identical on both: starting price (On request), 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 Kojo

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

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.

Kojo

  • An electrical or mechanical contractor where materials are close to half of job cost and buying happens dailynot Oracle Textura Payment Management
  • A trade contractor that cannot see committed material cost against a job until the invoice arrivesnot Oracle Textura Payment Management
  • A contractor consolidating purchasing across branches to negotiate better distributor pricingnot Oracle Textura Payment Management
  • A subcontractor tracking warehouse stock and job transfers that currently live in a spreadsheetnot 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 Kojo
  • 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 Kojo
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot Kojo
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot Kojo

Where each one falls short

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

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.

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

Kojo

On request
  • Kojo$undefined/year
    • Materials procurement workflow
    • Supplier quoting and purchase orders
    • Inventory tracking

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 Kojo if

  • You need field material requests.
  • You work on Web, iOS, Android.
  • You also want multi-supplier quoting.
Kojo 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 Kojo or Oracle Textura Payment Management better?
Neither clearly leads. Kojo starts at On request 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, Kojo or Oracle Textura Payment Management?
Kojo starts at On request and Oracle Textura Payment Management at On request.
Does Kojo or Oracle Textura Payment Management run on more platforms?
Kojo runs on Web, iOS, Android. Oracle Textura Payment Management runs on Web.
What is Kojo best used for?
Kojo is most often used for an electrical or mechanical contractor where materials are close to half of job cost and buying happens daily, a trade contractor that cannot see committed material cost against a job until the invoice arrives, a contractor consolidating purchasing across branches to negotiate better distributor pricing, a subcontractor tracking warehouse stock and job transfers that currently live in a spreadsheet. Of those, an electrical or mechanical contractor where materials are close to half of job cost and buying happens daily and a trade contractor that cannot see committed material cost against a job until the invoice arrives are not what Oracle Textura Payment Management is typically brought in for.
What can Kojo do that Oracle Textura Payment Management cannot?
Kojo covers Field material requests, Multi-supplier quoting, Purchase order management, Inventory and warehouse. Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility.

Answered from the vendors’ own pages

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.

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.

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.

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.

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.

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.

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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