Construction AP automation for contractors and subcontractors

Construction firms and general contractors pay a constant flow of subcontractors, suppliers, and vendors. Plooto automates that accounts payable process. Approve subcontractor invoices, pay by EFT, ACH, or check, and reconcile every payment back to your accounting software by job.

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Automate payments, simplify compliance, and keep every project on schedule

settings-sliders (1)Approvals that work for your unique business.

Create custom rules to automatically prompt the right person for every payment approval, so you’re never waiting on a sign-off.

eyeSpend less time on paperwork and more time in the field.

Automate manual, repetitive AP tasks so your team can focus on keeping projects moving and budgets on track.

bank-note (2)Stay in control of your cash.

Schedule payments to keep on top of your cash flow, stay compliant with Prompt Payment rules, and stay up to date on every payment status.

appsDo more with the tools you already use.

Plooto syncs with QuickBooks, Xero, and NetSuite to keep reconciliation simple and end-of-month bookkeeping a breeze. 

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Track receivables across every project

refresh-3 (3)Manage receivables with less effort and stress.

Automatically pull invoices from your accounting software to make requesting payments fast and easy. Stay organized, get your money on time, and keep every project funded. 

settings-sliders (1)Monitor and keep cash flow predictable.

Give your customers the option to pay by EFT or credit card, so you can get paid on time and keep work moving.

globe (4)See every customer payment in a single, up-to-date view.

See which invoices have been requested and received in one place so you always know where payments stand, no matter where you’re working. 

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Automate subcontractor payments and job-level reconciliation

Construction accounts payable is different. You are paying subcontractors and suppliers against specific jobs, often with retainage, lien waivers, and approval chains that vary by project. Plooto automates it. Route subcontractor invoices through the right approvers, pay by EFT, ACH, or check, and reconcile every payment back to the correct job in your accounting software. That gives you accurate job costing without manual entry, and a complete audit trail for every project.General contractors and construction firms use Plooto to keep payables moving without slowing down the schedule.

See Plooto's AP automation features >

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MEET OUR CUSTOMERS

“We decided to partner with Plooto because we didn’t want to pay by cheque anymore and wanted to digitize our payments. The pricing was better than the bank, the setup was simple, and the tiered approvals were exactly what we needed.”

Melissa Watkins, CFO, Woodbecker Inc. 

More customer stories >

Melissa-Watkins

Smart integrations with accounting software

Two-way sync with top accounting software like QuickBooks, Xero and Netsuite to eliminate data entry errors and gain more accurate books. 

More about QuickBooks >

More about Xero >

More about NetSuite >

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All payment workflows on one platform.

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Accounts Payable

Automate your complete payment cycle, and ensure that your payables are processed quickly and efficiently.

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Accounts Receivable

Get paid faster, decrease payment processing mistakes, and create a more streamlined accounts receivable process.

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Online Check Payments

Skip bank lines, in-person signatures, and lengthy approvals using full-service check payments.

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Credit Card Acceptance

Add the option to pay via credit card so you can get paid faster than ever—as soon as 2 business days.

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International Payments

Make payments around the world and enjoy competitive exchange rates on your transactions.

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Automated Invoice Management

Make invoice management as hands-free as possible with easy-to-use automated processes.

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Canada Revenue Agency Payments

Canadian customers can pay government remittances in one place from payroll deductions to tax payments.

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Pay by Card

Make flexible payments with your credit card. Earn rewards, capitalize on discounts, and free up cash flow.

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Additional resources

5 reasons AP automation

5 reasons automation is worth the investment

Learn how automating payables and receivables frees your team up to focus on managing projects and growing the business.

Learn more >
how to improve

How to improve your payment operations this year

Learn how improving payment operations can strengthen cash flow and reduce errors, which help build trust with subcontractors and suppliers. 

Learn more >
small-business

3 keys to managing SMB cash flow smartly

Learn how to spot and fix cash-flow bottlenecks before they slow down your projects.

Learn more >
Find the right Plooto plan for your business.
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FAQs

What are AR and AP solutions for homebuilders and GC firms?

Accounts receivable and accounts payable solutions help homebuilders and GC firms manage inbound and outbound payments. Plooto automates these processes, making them faster, more accurate, and easier to manage. This helps firms keep a good cash flow, reduce errors, and save time. 

How does Plooto streamline AP and AR processes for the construction industry?

Plooto automates invoice processing , approvals, and payments, reducing the manual work involved in managing AP and AR. This automation helps owners meet Prompt Payment requirements, keep projects funded on schedule, and maintain accurate, timestamped records for compliance and audits. 

How do you automate construction payment reconciliation?

With Plooto, construction payments reconcile automatically. When you pay a subcontractor or supplier through Plooto, the payment posts back to your accounting software and matches to the correct job, with no manual journal entries. This keeps job costing accurate and gives you a clean audit trail per project. Bills import, route through your approval chain, get paid electronically, and reconcile back automatically.

Can Plooto handle subcontractor invoices and approvals?

Yes. Plooto is built for the approval complexity construction requires. Route subcontractor invoices through multi-step approval workflows, set thresholds that trigger additional sign-off, and pay by EFT, ACH, or check once approved. Every payment reconciles back to the right job in your accounting software, so subcontractor payments stay organized by project.

Does Plooto work for general contractors managing multiple job sites?

Yes. General contractors use Plooto to manage payables across multiple job sites and projects from one platform. Set approval rules per project, process payments in batch, and reconcile each transaction back to the correct job. This removes the manual work of tracking payments site by site and keeps job costing accurate as projects scale.

Can Plooto integrate with the technology construction companies use?

Plooto integrates seamlessly with accounting systems like QuickBooks, Xero, and NetSuite, which ensures seamless data flow and accuracy across all financial operations. Plooto also complements construction tech stacks built around Buildertrend, Procore, Jobber, and Sage50 for simpler, more accurate payments across every project. 

What specific benefits does Plooto offer to homebuilders and GC firms?

Plooto helps construction firms save hours every week by automating payment scheduling and reconciliation, eliminating approval-chasing, and speeding up the entire payment process—all while reducing manual errors and helping teams stay compliant with Prompt Payment regulations.

Explore the benefits of Plooto: 

• Our AP automation solution

• Our AR automation solution

How does Plooto ensure the security of financial transactions for homebuilders and GC firms?

Plooto uses top-notch security measures like encryption and secure servers to protect all transactions. These measures help prevent fraud and give builders and GCs the confidence that every payment is protected.

What support does Plooto provide to construction firms adopting payment automation?

Plooto offers dedicated support from setup through everyday use. Our team helps connect Plooto with your current systems, trains your staff, and provides ongoing support to keep your payables and receivables running smoothly across every project.