Builders’ merchants, plant hire firms, skip companies, storage providers and renewable installers handle a huge variety of transactions — deposits for hire, staged project payments, supplier invoices, and rapid on-site payments. Slow payments, card-not-present fraud, hardware headaches and manual reconciliation all chew into margins and bog down operations. SOTpay gives the construction supply chain a secure, PCI-DSS compliant platform that reduces risk, speeds settlement and makes reconciliation painless.

Why Building Supply & Hire Businesses Choose SOTpay

Secure High-Value & On-Site Payments
 Take deposits, hire payments and final balances securely from customers on site or over the phone. Send a payment link or accept Open Banking transfers — no chip-and-pin terminal required.

Reduce Fraud & Chargebacks
 Use 3-D Secure and hosted payment flows so card details never touch your systems. Authenticated transactions shift liability to the acquiring bank, cutting disputes and protecting revenue.

Cut Costs with Open Banking & Direct Debit
 Reduce card fees by offering Open Banking for larger invoices and Direct Debit for recurring contracts or supplier payments.

Multichannel, Mobile-First Collections
 Whether customers book plant via phone, web, SMS, WhatsApp or in person at the depot, SOTpay supports every channel with the same secure experience.

Seamless Reconciliation
 With SOTpay Connect plugins for Xero, QuickBooks, Sage and common trade ERP/stock systems, payments map back to invoices and jobs automatically — no more late nights matching receipts.

Hosted & Vendor-Neutral
 No complex installations, no telecom lock-ins and no expensive DTMF hardware. The platform scales with seasonal demand and multiple depots.

Typical Use Cases

Builders’ Merchants: Take deposits for large orders, accept staged payments for deliveries and reduce the time between order and cash in bank.

Plant Hire: Collect booking deposits, on-site hire fees and balance payments on completion. Let customers authorise card-on-file for repeat hires.

Skip Hire & Waste Management: Secure bookings with upfront deposits and reduce no-shows. Accept payments for uplift, tipping and additional services via SMS or phone.

Storage & Self-Storage: Automate recurring monthly payments for units via Direct Debit, and enable one-click top-ups or overdue fee collection.

Renewable Installers & Contractors: For staged installations (survey → install → commissioning), collect instalments securely and reconcile to project milestones.

The Added Value of SOTpay Connect

Project & ERP Integrations
 Integrate with your back-office or project management system so invoices, purchase orders and payments sync automatically.

Direct Debit & Recurring Collections
 Ideal for storage providers, service contracts and regular plant maintenance agreements.

Advanced Fraud Controls & Liability Shift
 Built-in 3-D Secure and modern rails keep your business safer than legacy phone-based card entry.

Customer Experience Tools
 Branded payment pages, split payments, staged payment plans and receipts that include job references and VAT breakdowns.

How It Works

Create a payment request from your depot, office or ERP — add job reference and amount.

Send a branded SOTpay link by SMS, email, WhatsApp or through your web checkout. Or let the customer pay via Open Banking.

The customer completes payment on their device; card data never enters your systems.

Payments reconcile automatically into your accounting or ERP via SOTpay Connect plugins; dashboards show outstanding hire, deposits and failed payments.

Business Benefits (the numbers that matter)

Faster cash flow — reduce DSO by collecting deposits at point of order.

Lower overheads — cut hardware, DTMF and manual reconciliation costs.

Fewer disputes — 3-D Secure authentication reduces chargebacks and admin.

Better customer retention — clear invoices, flexible payment options and simpler refunds.

FAQs

Do I need a card machine at depots or sites?
 No. You can use payment links, Open Banking, or card-on-file. Terminals are optional — not mandatory.

How do deposits and staged payments work?
 Set up payment requests for deposits, then trigger further links or automated instalments at agreed milestones. Everything ties back to job references in your dashboard.

Will this work with my existing trade software?
 Most likely yes. SOTpay Connect has plugins for popular accounting packages and can integrate with many ERP or job management systems — we’ll scope this during onboarding.

Can we use Direct Debit for recurring rental or storage payments?
 Yes. Direct Debit and recurring schedules are supported for predictable income streams.

Is Open Banking safe for high value transactions?
 Yes — Open Banking provides secure, authenticated bank-to-bank payments with lower fees and faster settlement.

Ready to secure payments across your supply chain?

SOTpay makes it simple for builders’ merchants, plant hire companies, skip firms, storage providers and renewable installers to get paid securely, on time and with minimal admin. Whether you need on-site collections, recurring Direct Debits, or full ERP reconciliation, we’ve built the tools to keep your fleet moving and your cash flowing.