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Construction · head to head

Oracle Textura Payment Management vs Togal.AI

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
Togal.AI logo

Togal.AI

Construction

Automated drawing takeoff that measures and labels spaces without manual tracing

From
$299/month
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; Togal.AI annual billing is mandatory at $299 per user per month, so an estimating team that ramps up and down for bid seasons pays a full year for seats it uses intermittently.
  • They diverge on capability: Oracle Textura Payment Management covers Pay application workflow, Togal.AI covers Automatic space detection.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Oracle Textura Payment Management and Togal.AI differ
AttributeOracle Textura Payment ManagementTogal.AI
Starting priceOn request$299/month
Pricing modelPercentage of subcontract value, plus a quoted contractor subscriptionPer user per month

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 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 Togal.AI

  • Automatic space detection
  • Drawing comparison
  • Natural language search
  • Automated counts
  • Excel export
  • Plan set management
  • Team sharing

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

Togal.AI

  • A commercial general contractor bidding repetitive multifamily or hospitality floor plates where room-by-room area takeoff dominates the effortnot Oracle Textura Payment Management
  • An estimating team that needs to requantify quickly when an architect issues a revised set two days before a bidnot Oracle Textura Payment Management
  • A finishes subcontractor pricing flooring, paint and ceiling areas across hundreds of roomsnot Oracle Textura Payment Management
  • A preconstruction group producing early order-of-magnitude budgets from schematic plans before a full estimate is justifiednot 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

Togal.AI

  • Annual billing is mandatory at $299 per user per month, so an estimating team that ramps up and down for bid seasons pays a full year for seats it uses intermittently.
  • Detection is tuned to architectural floor plans and space-based quantities; civil, structural detail and MEP riser takeoff still need a conventional tool, so most firms end up paying for two.
  • Automatically generated quantities still require estimator review before they enter a bid, so the saving is in tracing time rather than in checking time, and firms that skip the check are exposed on a hard-money bid.
  • The company spun out of a single general contractor, and drawing conventions that differ from that firm's typical project types produce weaker detection until the set is cleaned up.
  • It is a takeoff tool, not an estimating system, so pricing, rate build-up and bid assembly still happen elsewhere and the Excel handoff is the seam where errors get introduced.

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

Togal.AI

$299/month
  • Growth$299/month
    • One or two licences
    • Unlimited AI takeoffs
    • Drawing comparison and search
  • Business$undefined/year
    • Three or more licences
    • Quoted by the vendor
    • Team administration and shared takeoffs

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 Togal.AI if

  • You need automatic space detection.
  • You also want drawing comparison.
Togal.AI review

Questions people ask

Is Oracle Textura Payment Management or Togal.AI better?
Neither clearly leads. Oracle Textura Payment Management starts at On request and Togal.AI at $299/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Oracle Textura Payment Management or Togal.AI?
Oracle Textura Payment Management starts at On request and Togal.AI at $299/month.
Does Oracle Textura Payment Management or Togal.AI run on more platforms?
Both run on Web, so platform support will not decide this one for you.
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 Togal.AI is typically brought in for.
What can Oracle Textura Payment Management do that Togal.AI cannot?
Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility. Togal.AI covers Automatic space detection, Drawing comparison, Natural language search, Automated counts.

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.

Togal.AI: What does Togal.AI cost?

$299 per user per month billed annually for one or two licences. Three or more users are quoted individually.

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.

Togal.AI: Can I pay monthly?

No. The published Growth plan requires annual billing.

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.

Togal.AI: Does it replace an estimating system?

No. It produces quantities. Rates, markup and bid assembly still happen in your estimating software or a spreadsheet.

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.

Togal.AI: Who owns the drawings and takeoffs I upload?

You do, and quantities export to Excel, but check the contract for how uploaded drawing sets are retained and whether they inform model training.

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