Simple pricing. Serious payment governance.
One transparent fee for Australia’s construction payment integrity platform — capped at 1.0% including GST, charged on successful payment. No subscription. No setup cost. No lock-in.
- Melbourne, Australia
- Fee terms set out in the PDS
- Australian support
- No monthly fees
- No setup costs
- No hidden charges
- No lock-in contracts
- One transparent fee
- Dedicated onboarding
- Secure payment governance
- Australian support
Homeowners
Payment is obligation flow.
When project funds sit commingled with general business cash flow, nobody on the job can see whether the money for a stage is still connected to the work that stage pays for. Homeowners rely on trust alone. Contractors chase. Suppliers price in risk. Good builders carry the burden of being the project bank, and get judged for a structural problem they did not create.
PayLocker keeps construction money connected to the project — aligned to approved progress, verified claims and agreed payment pathways, for the life of the build.
Why complicate pricing?
How the fee actually works
The project starts
Participants are verified, the contract structure is recorded, and stages, claims and payment pathways are set out before any money moves. Nothing is charged at this point.
Project funds move through PayLocker
Payments release against approved obligations
The project progresses with a record behind it
Traditional construction payments, and payments with PayLocker
- Project funds sit commingled with general business cash flow
- Money stays connected to the project it was paid for
- Limited visibility over where a payment has landed
- Greater payment visibility for every entitled participant
- Claims and approvals tracked manually across email, spreadsheets and invoices
- Centralised claims, approvals and payment records in one place
- Payment timing is uncertain, and often chased
- Structured payment pathways against approved obligations
- Variations blur into the contract sum
- Variations recorded separately, with reason, approval and funding
- Records reconstructed after the fact, when a dispute forces it
- A secure audit trail built as the project runs
Everything, on the one fee
Project payment governance
Funds aligned to approved progress, verified claims and agreed pathways.
Project dashboard
One view of the project's payment position, current to the last approval.
Milestone tracking
Stages, claim points and progress recorded against the contract structure.
Verified participants
Identity, business details and nominated accounts verified before payment.
Approval workflows
Multi-party approval, so a release reflects agreement rather than assumption.
Payment visibility
Permissioned transparency — each party sees what they are entitled to see.
Contractor payment management
A clearer pathway from quote to claim to approval to payment.
Variation tracking
Original amount, variation, reason, approval and funding kept separate.
Project health monitoring
Earlier visibility of where a project's payment position is drifting.
Secure audit trail
Claims, approvals and releases recorded as they happen, not afterwards.
Real-time notifications
Claim, approval and release alerts to the people who need them.
Dedicated support
Australian-based support and dedicated onboarding, at no separate cost.
Future platform updates
Improvements to the platform are included, not sold as an upgrade.
BEING CLEAR
What the fee is not.
Knowing exactly what a platform does not do is part of being able to trust what it does. PayLocker is payment-integrity infrastructure designed to work alongside your bank, contract, insurer and regulator—not replace them.
Pricing you can explain to every party on the job
Simple pricing
One plan. One number. Nothing to model in a spreadsheet before you can say yes.
Transparent fees
The fee is stated on the record it applies to, and set out in the PDS.
No hidden costs
No subscription, no setup fee, no per-seat charge, no upgrade tier.
Australian platform
Built in Melbourne for Australian construction, with Australian-based support.
Construction focused
Designed around claims, stages, variations and retention — not generic invoicing.
Secure payment governance
Verified participants, approved obligations, controlled release, recorded evidence.
Confidence for every stakeholder
Builders keep control of the build. Everyone else gets visibility they can rely on.
Pricing questions, answered
Because the work the platform does scales with the money it governs. A percentage keeps the cost proportionate to the project and means a smaller build is never subsidising a larger one through a flat licence fee. It also means the cost only arises where the platform has actually done its job — the fee is charged on successful payment.
Yes. The fee is capped at 1.0% including GST, charged on successful payment. The rate that applies to your project is set out in the Product Disclosure Statement (PDS), which we provide before you start.
No. There is no monthly subscription, no annual licence and no per-seat charge. If a project is not moving money through PayLocker in a given month, there is nothing to pay for that month.
No. Setting up a project, verifying participants and onboarding your team are included. Dedicated onboarding support comes with the platform rather than as a paid add-on.
Project eligibility, including any minimum or maximum project value, is set out in the Product Disclosure Statement (PDS) and Target Market Determination (TMD). If you would like to check whether a specific project is a fit, our team can confirm it before you commit to anything.
PayLocker is built for multi-party project delivery, so multi-stage builds, multiple contractors and multiple approval parties are part of the design rather than an exception to it. For larger developments and portfolios, our team can walk through how the structure would apply to your programme before you start.
The fee applies to payments processed through the platform on a project, and how it is borne is set out in the Product Disclosure Statement (PDS) and agreed as part of the project’s PayLocker arrangement before any funds move. Nothing is charged before you have seen it in writing.
Contractors, subcontractors and suppliers are invited to a project by the account holder. There is no separate subscription for them to join a project, be verified, submit a claim or track its approval. The fee arrangement for the project is set out in the PDS and disclosed to the parties before payments begin.
Yes. Homeowners can use PayLocker for simple works where a builder is not required, such as landscaping, and can manage the payment process themselves. Where a builder or developer is required to run the project, they will manage and control the PayLocker process. We’re also happy to speak with you and your builder together
No. There is no minimum term and no lock-in period. PayLocker is engaged on a project basis, and the fee only arises where payments are processed through the platform.
Yes. Dedicated onboarding is included in the fee — setting up your project structure, verifying participants, and getting your team and your trades comfortable with the claim and approval process.
Most projects start with a conversation rather than a sign-up. Book a demo and we will walk through how the platform would apply to a real project of yours, what the record looks like for each party, and what the fee means in practice. You can also read the Security and compliance page, the PDS and the TMD before you speak to anyone. Our complaints and dispute resolution pathway is published as well.