CONSTRUCTION PAYMENT INTEGRITY PLATFORM
Construction money should stay connected to the project.
PayLocker is a construction payment integrity platform. Project funds are held in a project-specific account and released through a controlled process aligned to approved progress and verified claims — so every party can trust that money reaches the work.
Milestone Review
Verified5x
Core workflows for payment control, evidence, approvals, milestones and records.
Simple pricing. Complete transparency.
1.0% incl. GST — charged only when a successful payment is made. No setup fees. No hidden costs.
Built in Australia.
Purpose-built for Australian construction with payment integrity, visibility and governance at every milestone.
THE PROBLEM
The problem isn't the people. It's the plumbing.
On most projects, a payment lands in a general account — and from that moment, nothing structurally connects it to the work it was paid for. The builder becomes the project’s informal bank. Contractors and suppliers rely on trust alone. Everyone carries risk the system was never designed to manage.
THE SOLUTION
Construction payment is obligation flow, not cash flow.
An incoming construction payment isn’t spare cash. Most of it is already promised — to trades, to suppliers, to the obligations behind each approved stage. PayLocker is built on that principle. Funds stay aligned with approved work, verified claims and agreed payment obligations, and release through structured payment pathways as the project progresses.
What PayLocker is — and is not
PayLocker is not a bank, not an insurer, not accounting software, and not a project management tool. It doesn’t replace good builders, existing contracts, or statutory schemes — it strengthens the payment layer beneath all of them. Payment management software processes claims. PayLocker keeps the money itself connected to the project.
WHO IT’S FOR
Built for every party on the project.
Homeowners
“Is my money going where the work is?”
Builders
“Will I lose control of cash flow?” Keep control of the build. Remove the burden of being the project bank.
Developers & Principals
“How do we maintain payment governance across projects?”
Contractors & Subcontractors
“Will I be paid once my work is approved?”
Suppliers
“Will I be paid for materials supplied to the project?”
Financiers & Lenders
“Are funds being released against progress and obligations?”
Government, Regulators & Industry
“How do we improve payment discipline without disrupting the industry?”
Not sure?
“See how PayLocker works, end to end.”
HOW IT WORKS
One structured pathway, from funding to final payment.
Verify
Every participant is identified — role, licence, ABN, nominated account — so there's no ambiguity over who is entitled to be paid.
Stage
The project's stages determine when money enters, in line with the contract.
Fund
Payments arrive into a project-specific account and stay connected to that project.
Approve
Claims are submitted against the work; approvals are recorded as distinct, visible steps.
Release
Where funds are available and an obligation is approved, the entitled participant is paid in the approved sequence — and every decision is recorded.
CREDIBILITY
Trust should be checkable.
Australian governments are already legislating toward ring-fenced project money — statutory trusts in Queensland, security-of-payment regimes in every state. PayLocker is designed to complement these frameworks, not replace them, and to give every participant clearer evidence of payment discipline.
How funds are held, how payments release, and what protections apply are set out plainly — in writing, not in marketing.
Talk to us about your project — or keep reading.
Whether you're building, funding, supplying or regulating, we're happy to walk through how payment integrity works for your side of the project.