Pay Subcontractors via Direct Deposit
Subcontractors. Suppliers. Crew. All via EFT.
No per-payment fees. Works with your job costing software.
The construction payment challenge
Construction companies make a lot of payments:
- Subcontractors: Electricians, plumbers, drywallers, roofers—often dozens per project
- Suppliers: Building materials, equipment rentals, specialty items
- Crew payroll: Weekly or bi-weekly payments to your own workers
- Progress payments: Tied to project milestones and holdbacks
Traditional methods are slow or expensive:
Cheques
- Printing and mailing costs
- Subs waiting for mail
- Lost cheques, stop payments
- Manual reconciliation
Per-transaction services
- $1+ per payment
- 100 payments/month = $100+/month
- Scales with your project load
EFT Flow
Export your payment list. Generate bank file. Upload to your bank. Everyone gets direct deposit.
$95/month flat. 50 payments or 500—same price.
How it works
Jonas, Sage 300 CRE, Procore, Viewpoint—any system that exports to CSV/Excel.
Drag and drop your export file.
Tell EFT Flow which columns are subcontractor name, amount, etc.
EFT Flow matches subcontractor names to bank details in your vendor list.
Bank-ready file generated. Upload to your bank.
Subcontractor payments
Subcontractors prefer direct deposit:
What subs get
- Money in account in 1-2 business days
- No waiting for mail
- No trips to the bank
- Reliable, predictable payments
What you get
- Faster payment processing
- No cheque printing/mailing
- Clear payment records
- Happier subcontractors
Onboarding subs: When you hire a subcontractor, collect their banking info (void cheque) along with their W-9/T4A info. Add them to EFT Flow once. Pay them for every project after that.
Works with construction software
If it exports to CSV or Excel, it works with EFT Flow:
Jonas
Export AP payment lists. Import into EFT Flow.
Sage 300 CRE
Export vendor payments from Accounts Payable.
Procore
Export commitment or invoice data.
Viewpoint Vista
Export AP payment batches.
Foundation
Export vendor payment reports.
QuickBooks + job costing
Export vendor payments from QuickBooks.
Cost comparison for construction
Construction companies often have 100+ payments per month. Flat pricing matters.
| Monthly Payments | Per-Transaction Service | EFT Flow | Annual Savings |
|---|---|---|---|
| 50 (small GC) | ~$50/month | $95/month | -$540 |
| 150 (mid-size GC) | ~$150/month | $95/month | $660 |
| 300 (large GC) | ~$300/month | $95/month | $2460 |
| 500+ (enterprise) | ~$500+/month | $95/month | $4860+ |
Lifetime option: Pay $2,990 once. At 200 payments/month vs per-transaction pricing, pays for itself in about 3 months.
Holdbacks and progress payments
Construction payment workflows are unique. EFT Flow handles them:
Progress payments
Export approved progress payment amounts from your job costing system. Generate EFT file for the current draw.
Holdback releases
When holdback period ends, export the holdback amounts. Generate separate EFT file for holdback releases.
EFT Flow doesn't track holdbacks—your job costing software does that. We just convert whatever payment list you export into a bank file.
"40+ subs across 6 projects. Used to cut cheques for everyone. Switched to EFT and now payments clear in 2 days instead of whenever they get to the bank."
FAQ for construction companies
How do I get subcontractor bank information?
Request a void cheque or direct deposit form when you onboard each subcontractor. Add their info to EFT Flow's vendor list once, and you can pay them for every future project.
Can I pay different amounts to the same sub on different projects?
Yes. The payment amount comes from your export file each time. EFT Flow matches the subcontractor name to their bank details—you specify the amount for each payment.
What about certified payroll for prevailing wage jobs?
EFT Flow handles the payment part—getting money to workers via direct deposit. Certified payroll reporting and compliance is handled by your payroll system. The two work together.
Can multiple people in our office use this?
EFT Flow is per-seat licensed. For multiple users, you'd need multiple seats. Or, one person can generate all the payment files and share them as needed.
We work with a lot of new subs. Is setup easy?
Adding a new vendor takes a minute—enter their name and banking info. Once they're in, they're in for all future payments.
Ready to simplify subcontractor payments?
Export from your job costing software. Generate bank files. Pay subs and suppliers for one flat fee. $95/month—no per-payment fees.