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Construction · head to head

Oracle Textura Payment Management vs PlanSwift

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
PlanSwift logo

PlanSwift

Construction

Digital takeoff and estimating software

From
$1499/year
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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; PlanSwift only one published plan tier (Professional at $2,000 annually)
  • They diverge on capability: Oracle Textura Payment Management covers Pay application workflow, PlanSwift covers Digital takeoff.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Oracle Textura Payment Management and PlanSwift differ
AttributeOracle Textura Payment ManagementPlanSwift
Starting priceOn request$1499/year
Pricing modelPercentage of subcontract value, plus a quoted contractor subscriptionsubscription
PlatformsWebWindows
FoundedUnknown2000

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 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

Only in PlanSwift

  • Digital takeoff
  • Estimating
  • Assemblies
  • Reporting
  • Plan viewing
  • QuickBooks
  • Sage
  • Excel

What people use each for

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

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 PlanSwift
  • 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 PlanSwift
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot PlanSwift
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot PlanSwift

PlanSwift

  • Taking off quantities from construction drawings on screennot Oracle Textura Payment Management
  • Producing material and labour estimates from digital plansnot Oracle Textura Payment Management

Where each one falls short

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

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

PlanSwift

  • Only one published plan tier (Professional at $2,000 annually)
  • Annual renewal required; no monthly subscription option stated
  • No multi-user or team-based pricing options published

Pricing, plan by plan

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

PlanSwift

$1499/year
  • PlanSwift Pro$1499/year
    • Digital takeoff
    • Estimating
    • Assemblies
  • PlanSwift Pro+$2099/year
    • Everything in Pro
    • Advanced reports
    • Priority support

Which should you pick?

Choose Oracle Textura Payment Management if

  • You need pay application workflow.
  • You also want lien waiver automation.
Oracle Textura Payment Management review

Choose PlanSwift if

  • You need digital takeoff.
  • You work on Windows.
  • You also want estimating.
PlanSwift review

Questions people ask

Is Oracle Textura Payment Management or PlanSwift better?
Neither clearly leads. Oracle Textura Payment Management starts at On request and PlanSwift at $1499/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Oracle Textura Payment Management or PlanSwift?
Oracle Textura Payment Management starts at On request and PlanSwift at $1499/year.
Does Oracle Textura Payment Management or PlanSwift run on more platforms?
Oracle Textura Payment Management runs on Web. PlanSwift runs on Windows.
What is Oracle Textura Payment Management best used for?
Oracle Textura Payment Management is most often used for 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 accept, a developer requires sub-tier visibility down two levels because a supplier lien on a previous project cost it a payment it had already made, an owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each month, a contractor operating across several us states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template folder. Of those, 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 accept and a developer requires sub-tier visibility down two levels because a supplier lien on a previous project cost it a payment it had already made are not what PlanSwift is typically brought in for.
What can Oracle Textura Payment Management do that PlanSwift cannot?
Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility. PlanSwift covers Digital takeoff, Estimating, Assemblies, Reporting.

Answered from the vendors’ own pages

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.

PlanSwift: How much does PlanSwift cost?

PlanSwift Professional costs $2,000 USD per year as an annual subscription. The price includes software access, updates, support for 12 months, and 2 hours of training.

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.

PlanSwift: Does PlanSwift offer a free trial?

Yes, PlanSwift offers a 14-day free trial with no credit card required. This allows users to evaluate the software and its Takeoff Boost AI tools before committing to the annual 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.

PlanSwift: What is included in PlanSwift Professional?

PlanSwift Professional includes full software access, 1 year of updates and support, 2 hours of training, and Takeoff Boost, a suite of AI tools that automates measuring, counting, and scaling tasks.

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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