Construction payment compliance
Stop losing money
between the field
and the check.
One missed lien waiver on a $2M sub can cost you everything. MurphPay ties every payment to its compliance docs — waivers, COIs, pay apps, change orders — so you never release money you can't protect.
Everything in one place
Built for how construction actually works
Sub Compliance Tracking
Set compliance requirements per sub — COI, bond, contract, lien waivers. Know exactly what's missing before draw day, not after you've already released payment.
Pay App Review & Payment Queue
Subs submit G702/G703 pay apps — as one combined PDF or separate files — through their own portal. You review, approve, and release from a GC-wide payment queue. No email chains, no missing attachments.
Lien Waiver Protection
Conditional and unconditional waivers tracked against every payment. You don't release money without the waiver. That's the whole point.
Full Change Order Chain
ROM from sub → COR → CPE to owner → executed CO, with conversion tracked at every step and cross-referenced back to the pay app. No more change orders falling through the cracks.
Insurance Vault
Liability, Auto, and Workers Comp tracked per sub with their own expiration dates — not a one-time upload. Automatic expiring-soon and expired alerts, so a lapsed COI can't slip through on draw day.
Second-Tier Supplier Tracking
When a sub brings on a labor sub or material supplier, their compliance docs get tracked too — certified payroll, union docs, releases — before that spend is billed to the owner.
Draw Package Management
Assemble and submit your draw package each billing period. Lenders get read-only access to submitted packages. No more emailing PDFs back and forth.
Project Financials
Draw cycle health, retainage held, lien exposure, and cash flow timeline — live on every project. Know your numbers before your owner or lender asks.
Multi-stakeholder visibility
Your owner and lender are already asking. Now they can just log in.
MurphPay is the only platform that gives the GC, owner, and lender a shared view of the same project — without anyone having to forward a spreadsheet or call for an update.
GC
Full control
Manage subs, review pay apps, approve change orders, track compliance, and assemble draw packages — all in one place.
Owner
Invited read-only access
See compliance status, draw history, and change order proposals awaiting approval. Approve or reject CPEs directly in their portal.
Lender
Invited read-only access
View compliance status, draw packages, lien waiver coverage, and retainage tracking. No more phone calls asking where the package is.
No other platform in this space — not GCPay, not Trimble Pay — gives the lender a real portal. This is the gap MurphPay fills.
How it works
Up and running in under 15 minutes
Add your project and subs
Set up a project in minutes. Add subcontractors, define compliance requirements per sub — insurance, bond, contract, waivers — and set contract values once.
Subs submit through their own portal
Each sub gets a portal to upload docs and submit pay apps with G702/G703. Include executed change orders in one click. You see compliance status in real time.
Review and approve with confidence
Pay App Review shows every sub's billing for the draw cycle. Approve, send back with notes, or release payment — with a full audit trail behind every action.
Track financials across every project
Draw cycle health, retainage held, cash flow timeline, and lien exposure — all live on every project page. Your numbers, organized.
100%
Compliance visibility before every draw
0
Lien surprises when docs are tracked properly
1 place
For every doc, waiver, CO, and pay app
"Before MurphPay, I was chasing COIs and waivers in email threads the day before a draw. Now everything's in one place and my owners actually comment on how clean my submittals look."
The math is simple
Your next hire should be Murph.
A part-time admin to chase compliance docs, follow up with subs, and organize your draw packages costs $30–50k a year. MurphPay does the same job for a fraction of that — and it never calls in sick.
8+ hrs
saved per draw cycle chasing docs and following up with subs
$0
in lien surprises when every waiver is tracked before payment releases
1 place
for every pay app, waiver, CO, and compliance doc — across all projects
Reference library
Forms, guides, and state-specific references.
Lien waiver templates, preliminary notice guides, pay app walkthroughs, and California prevailing wage references. Built for PMs who already know the job — just need the right doc fast.
From the founder
"Construction moves the world forward, but the people building it still wait weeks to get paid — not because the money isn't there, but because the paperwork isn't right. I've been a carpenter and a construction accountant. I've seen the same problem from the jobsite and the back office. MurphPay exists to close that gap — so the work of getting paid is as organized as the work itself."
Zachary Allen
Founder, MurphPay · Carpenter & Construction Accountant
Pricing
Priced for the GC, not the enterprise.
MurphPay is built for GCs on $20–100M projects — not the enterprise software budgets of GCPay or Trimble. Flat monthly pricing starting at $79/month, subs always free. See the full breakdown on our pricing page, or reach out and we'll get you set up.
Your next draw is already late.
Let's fix that.
Get up and running in under 15 minutes. No training required — if you know how to run a job site, you'll know how to use MurphPay.