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Oracle Textura Payment Management vs STACK Construction Technologies

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
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: 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; 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: Oracle Textura Payment Management 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 Oracle Textura Payment Management and STACK Construction Technologies actually diverge.

Attributes where Oracle Textura Payment Management and STACK Construction Technologies differ
AttributeOracle Textura Payment ManagementSTACK Construction Technologies
Starting priceOn requestFree
Pricing modelPercentage of subcontract value, plus a quoted contractor subscriptionsubscription
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 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 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.

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

STACK Construction Technologies

  • Construction project estimation and biddingnot Oracle Textura Payment Management
  • Field operations and daily reportingnot Oracle Textura Payment Management
  • Construction project managementnot Oracle Textura Payment Management
  • Material and labor takeoffnot 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

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

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

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 Oracle Textura Payment Management if

  • You need pay application workflow.
  • You also want lien waiver automation.
Oracle Textura Payment Management 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 Oracle Textura Payment Management or STACK Construction Technologies better?
Neither clearly leads. Oracle Textura Payment Management 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, Oracle Textura Payment Management or STACK Construction Technologies?
STACK Construction Technologies has a free tier; the other does not. Paid plans start at On request for Oracle Textura Payment Management and Free for STACK Construction Technologies.
Does Oracle Textura Payment Management or STACK Construction Technologies run on more platforms?
Oracle Textura Payment Management 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. Oracle Textura Payment Management starts at On request.
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 STACK Construction Technologies is typically brought in for.
What can Oracle Textura Payment Management do that STACK Construction Technologies cannot?
Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility. STACK Construction Technologies covers Digital takeoff, Estimating, Bid management, Proposal generation.

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.

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
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.

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
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.

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
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.

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
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