Send payments
Pay anyone in your network securely.
Move money
Pay, request, and get paid from one account.
Send one payment or a batch, request what you're owed, and share invoice links — whether you're paying a subcontractor, collecting from a customer, or settling an invoice.
Send payments
Instant to Same Day
Pay anyone in your network securely.
Request payments
Instant
Request what you're owed in seconds.
Recurring payments
Set It & Forget It
Automate repeat payments with ease.
Bulk payments
Same Day
Pay multiple vendors or subs at once.
Receive payments
Seconds to Days
Get paid faster with more ways to collect.
How money moves
Every way your business moves money.
Each way money moves through a BuiltXP account, and how long it usually takes.
Request payments
Request what you're owed in seconds.
Invoice payments
Pay invoices directly within BuiltXP.
Payment links
Share a link. Get paid anytime, anywhere.
Recurring payments
Automate repeat payments with ease.
Bulk payments
Pay multiple vendors or subs at once.
Receive payments
Get paid faster with more ways to collect.
Request a payment
Bill it once. Get paid on any rail.
A request carries everything your customer needs to pay it, and they choose the rail: RTP, FedNow, ACH, or card.
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Project, PO and terms
The details your customer's accounts-payable team asks for.
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Retainage
Hold back a percentage, released per your contract.
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A secure pay link
Emailed to your customer. Members also see it in their Received list.
Payment methods
Choose the right payment for the job.
What each method is best for, how fast it moves, and how it compares on cost.
See every fee and limitPAYMENT METHOD
BEST USED FOR
SPEED
COST
Standard ACH
Best used for Routine vendor and subcontractor payments where timing isn't urgent.
Speed 1–3 Business Days
Cost Low Most affordable
Same-Day ACH
Best used for Payments that need to arrive today without the cost of instant settlement.
Speed Same Day Cutoff times apply
Cost Moderate Cost-effective speed
FedNow®
Best used for Time-sensitive payments that require immediate availability during supported hours.
Speed Seconds 24/7/365
Cost Moderate Cost-effective instant
Real-Time Payments (RTP®)
Best used for Immediate transfers between participating financial institutions.
Speed Seconds 24/7/365
Cost Moderate Cost-effective instant
Push-to-Card
Best used for Send funds directly to an eligible debit card for fast access.
Speed Minutes Typically instant
Cost Moderate Fast & convenient
Card Payments
Best used for Pay invoices with a credit or debit card when flexibility is needed.
Speed Instant Immediate confirmation
Cost Higher Convenience fee applies
Payment lifecycle
The life of a payment.
Eight steps from the moment a payment is created to the moment it's recorded, each one visible on the payment itself.
- 01
Payment created
You enter payment details and confirm the information.
- 02
Payment approved
Authorized approver reviews and approves the payment.
- 03
Payment sent
BuiltXP securely initiates the payment using the selected method.
- 04
Funds in transit
Payment moves through our banking network to the recipient's financial institution.
- 05
Funds delivered
The recipient's bank receives the funds successfully.
- 06
Payment confirmed
Both you and the recipient are notified that the payment is complete.
- 07
Invoice updated
The related invoice is updated automatically in BuiltXP.
- 08
Payment recorded
The transaction is recorded in your history and is ready for reporting.
Start moving money
Move money your way. Build what's next.
Send, request, and receive payments from one account, on the rail each payment needs.