Every Dollar Moves
on Your Terms.
Not Theirs.
Construction payments are conditional — tied to milestones, compliance checks, lien waivers, and multi-party approvals. SmartFlow is the payment engine that enforces your rules before a single dollar leaves your account.
Construction Payments Are Still Manual, Risky, and Slow
Payments in construction carry more conditions than any other industry — lien waiver collection, compliance verification, milestone sign-off, retainage calculation. Generic payment tools ignore all of it.
Finance teams still print checks, collect signatures, and mail payments. A single pay cycle takes days of manual work across multiple departments.
Lien waivers tracked in one system, approvals in another, compliance in a third. Nobody knows if all conditions are met before payment goes out.
Subs don't know when they'll be paid. GCs can't track what's been sent vs. what's pending. Payment status lives in someone's email inbox.
Paying without proper lien waivers creates legal exposure. But collecting waivers manually from every sub on every project is a full-time job.
From Approved Invoice to Settled Payment — Fully Orchestrated
SmartFlow doesn't just send money. It verifies every condition, collects every waiver, routes every approval, and picks the optimal rail — then executes with a full audit trail.
Condition Check
Before any payment is queued, SmartFlow verifies all conditions — milestone status, compliance docs, insurance certificates, and retainage calculations.
Waiver Collection
Conditional lien waivers are auto-generated and sent to payees. Payment is held until signed waivers are returned — eliminating lien exposure.
Approval Routing
Multi-tier approval chains route by amount, project, or vendor. Threshold-based escalation, delegation rules, and SLA reminders built in.
Rail Execution
Payment routed to the optimal rail — ACH for routine, wire for urgent, virtual card for rebate capture. Settled and synced to Sage automatically.
Payment Orchestration Built for Construction Complexity
Not a simple "pay now" button. SmartFlow understands that construction payments carry conditions — and enforces every one of them before a dollar moves.
Payments That Won't Fire Until Conditions Are Met
Define the conditions that must be satisfied before any payment executes. SmartFlow checks them all in real-time — and blocks payment if anything is missing, expired, or unapproved.
Milestone-Based Triggers
Payments tied to project milestones from Procore. Substantial completion, punch list sign-off, or custom gates — payment only fires when the milestone is verified.
Compliance Pre-Gates
Insurance certificates, bonding status, W-9 verification, and safety compliance — all checked before payment proceeds. Expired docs block execution automatically.
Retainage Auto-Calculation
Retainage withheld per contract terms and state law before payment executes. Tracks cumulative retainage against the Retainage Management module.
Hold & Override Controls
Place manual holds on any payment with reason codes. Override requires elevated approval with mandatory audit notes. Full traceability on every decision.
Payment Gate — Summit Mechanical
ACH. Wire. Virtual Card. One Engine.
SmartFlow intelligently routes each payment to the optimal rail based on amount, urgency, vendor preference, and rebate opportunity — all from a single workflow. No separate systems for different payment types.
ACH
Standard payments. Same-day or next-day settlement. Lowest cost per transaction. Ideal for recurring subcontractor payments.
Wire Transfer
High-value or urgent payments. Real-time settlement. Used for large milestone payments, retainage releases, and time-sensitive obligations.
Virtual Card
Supplier payments where vendors accept card. Earn rebates on every transaction. Single-use numbers for each payment — zero fraud risk.
Smart Rail Selection — Feb Batch
Lien Waivers on Autopilot
Lien waiver collection is the single biggest bottleneck in construction payments. SmartFlow generates the right waiver type, sends it to the right party, tracks signatures, and blocks payment until it's returned — automatically.
Auto-Generated Waivers
Conditional and unconditional waivers generated with correct amounts, project details, and state-specific language. No templates to maintain.
Digital Collection
Waivers sent via email and supplier portal with e-signature support. Automatic reminders at configurable intervals until returned.
Payment-Linked Enforcement
No waiver = no payment. Conditional waivers tied to payment execution; unconditional waivers triggered upon fund settlement.
Centralized Waiver Repository
Every signed waiver stored and indexed by project, vendor, and payment. Full chain-of-custody audit trail for dispute resolution.
Lien Waiver Tracker — Highway 101
$143,950 in payments held pending waiver collection
Your Subs See Everything. You Answer Fewer Calls.
SmartFlow includes a self-service supplier portal where subcontractors can track payment status, submit waivers, update banking details, and see upcoming payment schedules — eliminating the #1 source of inbound calls for your AP team.
Real-Time Payment Tracking
Subs see exactly where their payment stands — approved, in gate check, scheduled, or settled. No more "when am I getting paid?" calls.
Self-Service Document Submission
Subs upload lien waivers, insurance certs, and compliance docs directly. E-signatures built in. Zero email attachments.
Two-Sided Network Effect
Every sub you onboard brings their GC relationships onto the platform. Supplier viral loops that grow your network organically.
Powered by Banking-Grade Rails
SmartFlow isn't a wrapper around third-party payment APIs. It's powered by Metaprise's banking license capabilities — FDIC-insured accounts, virtual ledgers, and embedded payment rails purpose-built for the velocity and compliance demands of construction.
SmartFlow vs. Manual Payments
See what changes when payments understand construction conditions.
| Capability | SmartFlow | Manual / Checks | Generic AP Pay |
|---|---|---|---|
| Conditional Gates | Automated | Manual verify | None |
| Lien Waiver Automation | End-to-end | Email/mail | Not supported |
| Payment Rails | ACH, Wire, Card | Check only | ACH only |
| Supplier Portal | Self-service | Phone/email | Basic |
| Retainage Handling | Integrated | Manual calc | No concept |
| Audit Trail | Complete | Paper files | Partial |
Take Control of Every Dollar That Leaves Your Account
See how SmartFlow orchestrates construction payments with conditional gates, automated lien waivers, and multi-rail execution. 30-minute demo tailored to your payment workflows.
Book Your Demo Explore Full Platform