BuiltXP Pricing

Instant construction payments. Transparent pricing. Rewards on every transaction.

The construction industry's premium payments and rewards network — priced for contractors, suppliers, architects, engineers, owners, and enterprise firms operating across every office.

  • Move money faster
  • Earn on every transaction
  • Operate across every office
Section 01

BuiltXP Pay

Simple, transparent pricing.

Every fee is displayed before payment confirmation — what you see is exactly what you pay.

01

Instant Transfers

RTP & FedNow — Real-Time Payments

RTPFedNow

Move money instantly between bank accounts. Funds typically settle within seconds.

Perfect for
  • Urgent supplier payments
  • Payroll
  • Project-critical transfers
  • Emergency material purchases
Send instant payments →
Pricing
Transfer amount BuiltXP fee
$1 – $1,000
$7.99
$1,001 – $10,000
$10.99
$10,001 – $100,000
$15.99
$100,001 – $500,000
$21.99
Maximum transfer $500,000 per transaction
02

Same-Day / Instant ACH

Faster ACH for operational cash flow

Same-Day ACH

Faster ACH payments for operational cash flow and contractor payouts.

Ideal for
  • Vendor payments
  • Contractor disbursements
  • Supplier transfers
  • Same-business-day payments
Move funds faster →
Pricing
Transfer amount BuiltXP fee
$1 – $10,000
$4.99
$10,001 – $50,000
$7.99
$50,001 – $250,000
$10.99
Maximum transfer $250,000 per transaction
03

Standard ACH Transfers

Included

Reliable everyday transfers — included with membership

ACH

Reliable ACH transfers for everyday construction payments. Included with BuiltXP membership. Wallet top-ups and withdrawals are priced on this same schedule.

Best for
  • Routine vendor payouts
  • Recurring disbursements
  • Everyday operating spend
Start ACH transfers →
Pricing
Transfer amount BuiltXP fee
First 10 transfers
Up to $10,000 each · resets each membership year
FREE
$1 – $10,000
$3.99
$10,001 – $50,000
$5.99
$50,001 – $250,000
$8.99
$250,001 – $1,000,000
$12.99
Maximum transfer $1,000,000 per transaction
04

Push-to-Card

Debit card / push-to-card payments

Push-to-Card

Instant payouts directly to debit cards.

Perfect for
  • Subcontractor payouts
  • Emergency field payments
  • Instant disbursements
  • Contractor access to funds
Send instant card payments →
Pricing
Payment type Fee
Debit card / push-to-card 2.95%
Maximum transfer $25,000 per transaction
05

Credit Card Payments

Flexible payment options for larger expenses

Credit Card

Flexible payment options for larger project expenses.

Ideal for
  • Material purchases
  • Project liquidity
  • Emergency expenses
  • Commercial contractor payments
Pay with credit card →
Pricing
Payment type Fee
Credit card payments 4.95%
Maximum transfer $35,000 per transaction
06

ACH Return Fees

Protecting the integrity of the network

Returns

Transparent return fee pricing designed to help protect the integrity, security, and reliability of the BuiltXP payments network.

Pricing
Return type Fee
Authorized ACH return $15
Unauthorized ACH return $35
Section 02

BuiltXP Platform plans

Choose the plan built for your business — whether you're sending payments, managing suppliers, or operating across multiple offices.

Billing
Best value — pay once a year
Accept payments

Partnership User (BPU)

$ 289.99 /year
or $25/month
Saves $10.01 a year versus paying monthly

Built for suppliers and Merchant Partners strengthening customer relationships through rewards and commissions.

Includes
  • BuiltXP-ID
  • Merchant Partner profile
  • BuiltXP Rewards participation
  • BuiltXP Commission participation
  • Payment acceptance capabilities
  • Merchant reporting
  • BuiltXP network participation
  • Supplier / Merchant Partner visibility
Operate everywhere

Enterprise & Multi-Office

Additional regional office $199/year
Additional user seat $99/year

For regional and national construction firms. The base membership covers one organization, one office, one BuiltXP-ID and 3 seats — then scale a location at a time.

Each office receives
  • A separate payment handle per office
  • Regional payment activity
  • Regional reporting
  • Organization-level controls
  • 3 seats included — add seats as you grow
Worked example

ABC National Contractors

Six regional offices and 25 user seats.

6
office locations
25
user seats
Annual pricing breakdown
Base BuiltXP membership $349.99
5 additional regional offices $995.00
3 included seats $0.00
22 additional seats $2,178.00
Total annual platform cost $3,522.99/yr
Straightforward

No hidden fees.
Ever.

Every fee is displayed before you confirm a payment, in the order below.

01
Transparent
Every fee is clearly displayed before payment confirmation — no surprise charges, ever.
02
Predictable
Flat fees by amount band, so you can budget against them — and your first 10 Standard ACH transfers each membership year are free.
03
Contractor-friendly
Built around how construction actually pays — by job, by office, by transaction.
Before you authorize a payment, you see
  1. 1Payment amount
  2. 2Payment method
  3. 3BuiltXP fee
  4. 4Total amount
  5. 5Expected timing
  6. 6Rewards earned
Section 04

Pricing at a glance

Every published price and transaction ceiling in one place.

BuiltXP offering Customer pricing Maximum transaction
Real-Time Payments — RTP / FedNow $7.99 – $21.99 $500,000
Same-Day / Instant ACH $4.99 – $10.99 $250,000
Standard ACH First 10 free, then $3.99 – $12.99 $1,000,000
Debit card / push-to-card 2.95% $25,000
Credit card 4.95% $35,000
Platform User $349.99/year or $30/month —
Partnership User (BPU) $289.99/year or $25/month —
Additional office $199/year or $20/month —
Additional seat $99/year or $9/month —
Authorized ACH return $15 —
Unauthorized ACH return $35 —
Get started

Ready to build faster payments?

The construction industry's premium instant-payments and rewards network. Faster payments, rewards on every transaction, and enterprise-ready infrastructure.

  • FASTER PAYMENTS Settle in seconds
  • REWARDS On every transaction
  • INFRASTRUCTURE Enterprise-ready

Captured live from the BuiltXP app — real server data, no mockups. Start free or book a walkthrough.