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Construction · head to head

Handoff vs Oracle Textura Payment Management

Handoff logo

Handoff

Construction

AI estimating and proposals for residential remodelling contractors, priced per company not per seat

From
$119/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: Handoff pro and Scale require a 12 month commitment, so a seasonal remodeller who slows down over winter pays through the quiet months or stays on the more expensive month-to-month Flex tier; 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: Handoff covers Estimate from description, 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 Handoff and Oracle Textura Payment Management actually diverge.

Attributes where Handoff and Oracle Textura Payment Management differ
AttributeHandoffOracle Textura Payment Management
Starting price$119/monthOn request
Pricing modelPer company per monthPercentage of subcontract value, plus a quoted contractor subscription
PlatformsWeb, iOS, AndroidWeb

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 Handoff

  • Estimate from description
  • Photo-based estimating
  • AI takeoff
  • Custom pricing catalogues
  • Proposals and e-signature
  • Change orders
  • Invoicing and card payments

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.

Handoff

  • A remodelling contractor who visits four kitchens a week and wants a priced proposal out the same evening instead of three days laternot Oracle Textura Payment Management
  • A roofing business whose owner writes every estimate personally and is the bottleneck on salesnot Oracle Textura Payment Management
  • A small builder who wants proposal, change order and invoice in one record so the final billing reconciles to what the client signednot Oracle Textura Payment Management
  • A contractor collecting payment by card who wants to cut the processing rate from 3.35 to 2.85 per cent by moving to the annual Pro tiernot 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 Handoff
  • 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 Handoff
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot Handoff
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot Handoff

Where each one falls short

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

Handoff

  • Pro and Scale require a 12 month commitment, so a seasonal remodeller who slows down over winter pays through the quiet months or stays on the more expensive month-to-month Flex tier
  • AI-generated line item pricing is based on general cost data, not your suppliers or your subcontractors, so every estimate needs review and the time saving is smaller than the marketing implies once a real pricing catalogue is built
  • AI takeoff only appears on the 899 dollar Scale tier and is capped at plans of 5,000 square feet, which excludes most light commercial and larger custom homes
  • Flex includes only 50 AI credits a month and one pricing catalogue, which a busy estimator exhausts quickly, making the entry tier more of a trial than a working plan
  • It targets residential remodelling specifically, with no scheduling, no field production tracking and no job costing depth, so a growing contractor outgrows it and migrates to a full construction management platform

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

Handoff

$119/month
  • Flex$119/month
    • Billed annually, 149 USD month to month
    • 2 users
    • 50 AI credits a month
  • Pro$239/month
    • Billed annually, 299 USD month to month
    • 12 month commitment
    • 5 users
  • Scale$719/month
    • Billed annually, 899 USD month to month
    • 12 month commitment
    • 5 users
  • Custom API$undefined/year
    • Quoted for multi-location businesses
    • API access
    • Custom integrations

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 Handoff if

  • You need estimate from description.
  • You work on Web, iOS, Android.
  • You also want photo-based estimating.
Handoff 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 Handoff or Oracle Textura Payment Management better?
Neither clearly leads. Handoff starts at $119/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, Handoff or Oracle Textura Payment Management?
Handoff starts at $119/month and Oracle Textura Payment Management at On request.
Does Handoff or Oracle Textura Payment Management run on more platforms?
Handoff runs on Web, iOS, Android. Oracle Textura Payment Management runs on Web.
What is Handoff best used for?
Handoff is most often used for a remodelling contractor who visits four kitchens a week and wants a priced proposal out the same evening instead of three days later, a roofing business whose owner writes every estimate personally and is the bottleneck on sales, a small builder who wants proposal, change order and invoice in one record so the final billing reconciles to what the client signed, a contractor collecting payment by card who wants to cut the processing rate from 3.35 to 2.85 per cent by moving to the annual pro tier. Of those, a remodelling contractor who visits four kitchens a week and wants a priced proposal out the same evening instead of three days later and a roofing business whose owner writes every estimate personally and is the bottleneck on sales are not what Oracle Textura Payment Management is typically brought in for.
What can Handoff do that Oracle Textura Payment Management cannot?
Handoff covers Estimate from description, Photo-based estimating, AI takeoff, Custom pricing catalogues. Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility.

Answered from the vendors’ own pages

Handoff: What does Handoff actually cost?

From 119 US dollars a month billed annually on Flex for two users, 239 on Pro for five users, and 719 on Scale which is the only tier with AI takeoff. Month to month prices are 149, 299 and 899.

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.

Handoff: Is the card processing fee on top of the subscription?

Yes. It is 3.35 per cent on Flex and 2.85 per cent on Pro and Scale, charged on payments you collect through the platform.

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.

Handoff: Does it do commercial construction?

No. It is built for residential remodelling scopes and its cost data and takeoff limits reflect that.

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.

Handoff: Can I cancel monthly?

Only on Flex. Pro and Scale carry a 12 month commitment.

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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