Aequo Build and GCPay side by side
GCPay: automates the payment application process between general contractors and subcontractors. Aequo Build: construction accounts payable for contractors on QuickBooks Online.
| Aequo Build | GCPay | |
|---|---|---|
| Positioning | Construction accounts payable for contractors on QuickBooks Online | Automates the payment application process between general contractors and subcontractors |
| Built for | General and specialty contractors (the paying side of subcontractor and supplier invoices) | General contractors in commercial, vertical and multifamily construction; subcontractors submit through it |
| Pay applications / SOV | AIA billing register: creates owner pay applications from the job’s schedule of values, with approved change orders, previous certificates and retainage, and generates a G702/G703-style PDF | Subcontractor pay applications against a schedule of values; GCPay’s Sage Intacct marketplace listing states AIA-style owner billing is available |
| Lien waivers | Explicit waiver requirements that hold payment until satisfied, with audited overrides; e-signature waiver requests | Waivers generated from pay app data; payment-exchange waivers held until payment clears; digital notary |
| Retainage | Calculated from the subcontract’s retention percentage when an invoice is approved, linked to that invoice, with release schedules | Retainage, retainage release and partial release billing |
| Invoice approval / AP automation | AI invoice capture, job and cost-code coding, three-way PO matching, approval routing, audit trail | Configurable pay app approval routing; can block payment to non-compliant subs; batch e-payments. OCR and three-way matching not stated |
| QuickBooks | QuickBooks Online: imports vendors, bills and purchase orders and pushes approved bills back | Not listed among GCPay integrations |
| Procore | Procore integration in development; not available today | Procore Project Financials used as a bridge where no direct ERP connector exists |
| Other integrations | QuickBooks Online is the live accounting integration for Aequo Build | Sage 300 CRE, Sage 100 Contractor, Sage Intacct Construction, Viewpoint Vista, CMiC, Acumatica |
| Pricing | $599/month, published | Not published (custom, based on annual subcontracted volume, projects and subcontractors); subcontractors do not pay to use the software; e-payment and waiver exchange fee of $15 per payment, which the GC can absorb |
When GCPay is the better fit
GCPay fits a general contractor on Sage, Viewpoint Vista, CMiC or Acumatica that wants every subcontractor to submit pay apps through one portal.
- Subcontractors key their own pay applications against the schedule of values, and GCPay states they do not pay to use the software.
- Lien waivers are generated from pay app data, and payment-exchange waivers are held until payment clears; digital notary is included.
- Retainage, retainage release and partial release billing are supported.
- GCPay publishes a $15 per-payment fee for e-payments and waiver exchange, which the GC can choose to absorb.
When Aequo Build is the better fit
Aequo Build fits a contractor on QuickBooks Online whose subcontractor and supplier invoices arrive by email or upload, rather than through a portal.
- AI invoice capture, job and cost-code coding, three-way PO matching and approval routing — GCPay does not state OCR or matching.
- Retainage calculated from the subcontract rate at approval and posted with the bill to QuickBooks Online.
- Lien waiver requirements that hold payment, a subcontractor portal for uploads and payment status, and insurance certificate tracking.
- An AIA billing register for G702/G703-style owner pay applications.
- Published, flat price: $599/month. GCPay pricing is custom, based on subcontracted volume.
Frequently asked questions
Does GCPay integrate with QuickBooks?
QuickBooks is not listed on GCPay’s integrations page (checked 2026-10-21), which lists Sage 300 CRE, Sage 100 Contractor, Sage Intacct Construction, Viewpoint Vista, CMiC and Acumatica, with Procore Project Financials as a bridge where there is no direct connector.
How much does GCPay cost?
GCPay does not publish GC pricing; it states pricing is custom and based on annual subcontracted volume and the number of projects and subcontractors. It publishes a $15 fee per e-payment with waiver exchange, which the GC can take on instead of the subcontractor.
Is Aequo Build a GCPay alternative?
For a QuickBooks Online contractor that mainly needs to approve and pay subcontractor invoices with waiver and retainage controls, yes. For a GC on Sage or Vista that wants all subs to submit pay apps through a portal with payment exchange, GCPay is closer to that model.
Do subcontractors pay to use GCPay?
GCPay states subcontractors do not pay to use the software; its $15 e-payment and waiver-exchange fee can be charged to the subcontractor or absorbed by the GC.
Run subcontractor invoices, pay apps and retainage in one place
Aequo Build is construction accounts payable for contractors on QuickBooks Online: invoice capture, approvals, lien-waiver payment holds, invoice-linked retainage and an AIA-style billing register.
Related guides and tools
Sources
Checked on October 21, 2026. Vendor capabilities and prices change; confirm current details with each vendor.