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BuiltXP is a payments and rewards network built for the construction industry. Send and receive payments, track every dollar, and earn rewards on qualifying transactions — all in one platform.

BuiltXP is for businesses across construction — contractors, subcontractors, suppliers, owners, and AEC firms. Every party on the network is a verified business.

Create an account and complete business verification. Once verified, you can start sending and receiving payments right away.

It depends on the method — from instant transfers to same-day and standard ACH. You choose the speed that fits each payment.

Standard transfers, same-day transfers, instant transfers, push-to-card, and card payments. Explore each on the Products pages.

Membership is $349.99 a year (or $30 a month) for businesses that send payments, and $289.99 a year (or $25 a month) for suppliers and merchant partners. Each payment method has its own fee: a standard ACH transfer costs $3.99 to $12.99, and the first 10 transfers each membership year are free, up to $10,000 each.

Qualifying transactions earn rewards, and consistent activity moves your business up the tier system for better benefits across the network. 1 point = $0.01 value.

Rewards are non-cash and are redeemable inside the BuiltXP ecosystem — including with participating merchant partners.

Funds move through regulated banking partners and never sit outside the regulated system. See our Security page for the full set of controls.

Personal and business data is collected, used, and retained under documented privacy controls. We do not sell your personal information.