Large-scale construction projects rely on smooth, secure, and timely payments — from client instalments to subcontractor wages, from supplier invoices to equipment hire. But traditional processes are exposed to fraud, reconciliation delays, and compliance risks.

SOTpay delivers PCI DSS compliant, multichannel payment solutions designed for the construction industry. Whether you’re handling staged project payments, collecting deposits, or paying suppliers, SOTpay keeps funds moving securely, reduces admin, and helps protect every transaction from fraud and chargebacks.

Why Construction Firms Choose SOTpay

Secure High-Value Payments
 Handle six- or seven-figure instalments safely with PCI DSS compliance and 3-D Secure authentication. Fraud risk is minimised, and liability shifts to the acquirer.

Client Instalments & Stage Payments
 Manage phased project billing with secure links. Clients can pay instalments by SMS, email, or web, with each transaction authenticated and tracked.

Supplier & Subcontractor Payments
 Issue secure outbound payments or set up recurring payment schedules. Keep subcontractors and suppliers paid on time without manual data entry or exposure to sensitive details.

Reduce Compliance Burden
 By removing cardholder data from your environment, SOTpay reduces PCI scope, audit overheads, and the risk of costly fines.

Multichannel Flexibility
 Clients and partners can pay through secure links via SMS, email, WhatsApp, or web portals. This flexibility reduces delays and keeps projects on schedule.

Accounting & ERP Integration
 Connect with Xero, QuickBooks, or construction ERP systems to reconcile payments quickly and accurately. No more manual chasing or mismatched records.

Cut Out Legacy DTMF & Paperwork
 Avoid expensive telephony hardware or insecure manual processes. Hosted, cloud-based SOTpay is cheaper to run and simpler to scale.

Business Impact

Protect Project Cash Flow: Ensure stage payments are received securely and on time.

Keep Suppliers Happy: Pay subcontractors and suppliers promptly with streamlined reconciliation.

Prevent Payment Fraud: Secure links and 3-D Secure protect against invoice fraud and chargebacks.

Lower Admin Costs: Reduce manual reconciliation and paperwork across multi-phase projects.

Future-Proof Compliance: Stay ahead of regulatory requirements without additional hardware.

How It Works

A construction firm requests a secure instalment or payment.

The client, supplier, or subcontractor receives a branded SOTpay link via SMS, email, WhatsApp, or web.

Payment is completed securely; sensitive data never touches your systems.

Funds clear in real time, and reconciliation flows into accounting or ERP platforms.

FAQs

Can SOTpay handle staged project payments?
 Yes. You can send secure links for each phase of a project, ensuring on-time, authenticated payments.

How does it help with supplier and subcontractor payments?
 By issuing secure links or recurring schedules, you keep partners paid on time while reducing manual admin and fraud risk.

Is it suitable for very high-value transactions?
 Absolutely. SOTpay is PCI DSS compliant, uses 3-D Secure authentication, and has been proven for large construction payments.

Can it integrate with construction ERP systems?
 Yes. Alongside accounting software like Xero/QuickBooks, SOTpay can link with ERP platforms to simplify reconciliation.

How does it compare to legacy DTMF systems?
 Unlike costly DTMF or manual processes, SOTpay requires no extra hardware, keeps agents in control, and works across multiple channels.

Build Payment Security Into Every Project

From stage payments to supplier invoices, SOTpay makes construction payments more secure, compliant, and efficient. Protect cash flow, reduce admin, and keep projects moving with confidence.