Best B2B Payment Solutions for Construction Suppliers in Texas - 2025

Construction suppliers in Texas face unique payment challenges that can significantly impact cash flow and business operations. Late payments, complex invoicing processes, and managing multiple client relationships create financial strain that affects daily operations and growth potential.

Modern B2B payment solutions designed specifically for construction suppliers offer automated invoicing, extended payment terms, virtual payment options, and enhanced security features that streamline transactions and improve cash flow management. These platforms integrate with existing accounting systems and provide tools tailored to the construction industry's specific needs, from handling large transactions to managing project-based billing cycles.

The right payment platform can transform how Texas construction suppliers manage client relationships, reduce administrative overhead, and maintain steady cash flow while offering clients flexible payment options that strengthen business partnerships.

1) Billd Extended Payment Terms

Billd offers construction suppliers 120-day payment terms through their financial platform. Billd teams up with American Express to provide flexible payment solutions specifically designed for the construction industry.

The platform allows suppliers to receive upfront payment while contractors get extended time to pay. This arrangement helps suppliers maintain steady cash flow without waiting months for payment from contractors.

Construction companies can purchase materials from any supplier and receive 120 days to pay. Suppliers get paid immediately by Billd, eliminating collection risks and late payments.

Over 3,800 suppliers nationwide have used Billd's payment system. The platform has processed over $70 billion in commercial construction projects across the United States.

Billd focuses specifically on construction industry payment challenges. The company was founded in 2018 by construction and finance industry professionals who understand sector-specific needs.

Texas construction suppliers can use Billd to expand their customer base and increase sales. The platform reduces financial risk while providing predictable payment schedules for better business planning.

2) WEX Virtual Cards

WEX offers virtual cards to simplify supplier payments specifically designed for construction businesses. These digital payment cards eliminate the need for paper checks and reduce processing delays.

Construction suppliers can set up virtual cards for specific vendors and transaction amounts. This gives businesses better control over spending and reduces the risk of fraud.

The platform integrates with existing accounting systems and provides real-time transaction data. Companies can track payments instantly and maintain detailed records for tax purposes.

WEX virtual cards work with most suppliers who accept credit card payments. The system automatically generates unique card numbers for each transaction, adding an extra layer of security.

Processing times are significantly faster than traditional payment methods. Suppliers receive payments within 1-2 business days instead of waiting weeks for check processing.

The solution includes detailed reporting features that help construction companies manage cash flow. Businesses can view all transactions in one dashboard and export data for accounting purposes.

WEX charges competitive transaction fees and offers volume discounts for larger construction companies. The platform also provides 24/7 customer support for technical issues.

3) Zoho Invoice

Zoho Invoice offers construction suppliers a straightforward billing platform designed for B2B transactions. The software handles multi-project invoicing and payment tracking without complex setup requirements.

Construction businesses can create professional invoices with project-specific line items and payment terms. The platform supports bulk invoice generation for suppliers managing multiple client accounts simultaneously.

Thousands of contractors and construction firms use Zoho Invoice for their billing operations. The system integrates with existing accounting workflows and maintains client payment histories.

Payment processing includes credit card and ACH options for Texas-based suppliers. Automated payment reminders reduce collection times and improve cash flow management.

The software provides real-time invoice status updates and payment notifications. Construction suppliers can track which invoices remain outstanding and follow up accordingly.

Zoho Invoice pricing starts with a free tier for basic invoicing needs. Paid plans include advanced features like recurring billing and detailed financial reporting that help small contractor businesses simplify payments.

Mobile apps allow field teams to generate invoices on-site and send them immediately to clients. This reduces billing delays common in construction projects.

4) Billtrust AR Solutions

Billtrust provides AI-powered accounts receivable automation designed specifically for B2B companies. The platform streamlines billing, payment processing, and cash application to help construction suppliers get paid faster.

The company operates across more than 40 industries with solutions tailored to different business needs. Construction firms can use Billtrust to automate invoice delivery, accept payments through multiple channels, and speed up cash application processes.

Billtrust's platform includes credit decisioning tools, automated invoice presentment, and secure payment acceptance. These features help construction suppliers reduce manual work while improving their customers' payment experiences.

The software integrates with existing business systems to create a unified order-to-cash workflow. Construction companies can honor customer payment preferences while maintaining control over their accounts receivable processes.

Construction firms using Billtrust report faster payment cycles and improved cash flow management. The platform's automation capabilities reduce the time spent on manual invoice processing and payment follow-up tasks.

Billtrust serves over 700 construction companies, making it a proven solution for suppliers in the building industry. The platform's multi-channel approach allows customers to pay through their preferred methods while maintaining security standards.

5) Joist Online Payment Platform

Joist provides comprehensive software solutions designed for contractors in construction and home services industries. The platform combines estimate creation, invoicing, job scheduling, and payment tracking in one system.

Construction suppliers can use Joist to streamline their payment processes with clients. The platform offers multiple payment options including credit cards, debit cards, and PayPal integration.

Joist Payments allows clients to pay immediately from their computer or mobile device. This convenience leads to faster payment collection for suppliers and reduces administrative overhead.

The system includes PayPal Pay Later functionality for invoices between $30 and $1,500. Clients can split payments into four bi-weekly installments while suppliers receive full payment upfront.

Joist operates through both web and mobile applications. This flexibility lets construction suppliers manage payments and invoicing from job sites or office locations.

The platform focuses specifically on trades professionals rather than general business payment processing. This specialization means features align with construction industry payment workflows and requirements.

Construction suppliers benefit from automated invoicing capabilities and real-time payment tracking. These features reduce manual payment management tasks and improve cash flow visibility.

6) ACI Worldwide B2B Payments

ACI Worldwide powers electronic payments for more than 5,100 organizations globally. The company provides real-time payment processing solutions designed for businesses that need reliable transaction capabilities.

Construction suppliers in Texas can access ERP integration through ACI's platform. The system supports automated invoice processing and accounts payable functions that streamline vendor payments.

ACI offers ACH payment processing, credit card transactions, and electronic check conversion. Their platform handles multiple payment methods within a single interface, reducing administrative complexity for suppliers managing various customer payment preferences.

The company provides fraud management tools and real-time transaction monitoring. These security features protect construction suppliers from payment-related risks while maintaining fast processing speeds.

ACI's solutions include reporting and reconciliation features that help businesses track payment status. Construction suppliers can monitor cash flow and payment timing through detailed transaction reports.

The platform supports both domestic and international payments. Texas-based suppliers working with out-of-state contractors or international clients can process cross-border transactions through ACI's network.

ACI charges transaction-based fees that vary depending on payment volume and method types. Businesses typically negotiate custom pricing based on their specific processing needs and transaction volumes.

7) Terms.Tech Smart Payment Solutions

Terms.Tech operates as a European-based B2B payment platform that serves construction suppliers across multiple markets. The company provides flexible payment terms and Buy Now, Pay Later services for business transactions.

Construction suppliers can access B2B payment terms solutions that include bank transfers, card payments, and extended payment options. Terms.Tech covers all European Economic Area countries and Switzerland.

The platform helps construction businesses improve cash flow by offering customers flexible payment schedules. Suppliers can receive faster payments while buyers get extended terms to manage their working capital.

Terms.Tech specializes in construction trade supplies payment solutions with features designed for B2B transactions. The system handles complex payment structures common in construction projects.

The service includes one-click checkout options and custom solutions for construction platforms. Suppliers can integrate the payment system into their existing sales processes without major changes to their operations.

For Texas construction suppliers working with European clients or expanding internationally, Terms.Tech provides payment processing across multiple currencies. The platform manages the technical aspects of cross-border B2B payments while suppliers focus on their core business activities.

8) American Express Working Capital

American Express provides working capital solutions specifically designed for construction suppliers facing cash flow challenges. The Billd partnership with American Express allows eligible commercial contractors to access flexible payment terms through a referral program.

Suppliers who accept American Express cards can extend payment terms to their construction clients. This arrangement helps contractors preserve existing credit lines while maintaining steady cash flow for operations.

The program enables construction companies to earn rewards on vendor payments while extending repayment periods. Suppliers benefit by offering competitive terms without taking on additional credit risk.

American Express handles the payment processing and credit evaluation for qualified contractors. This removes the burden of credit checks and collection activities from suppliers.

The Corporate Program for construction targets mid-to-large construction businesses with established credit profiles. Companies must meet specific eligibility requirements to participate.

Payment terms typically range from 30 to 120 days depending on project size and contractor qualifications. Interest rates and fees vary based on creditworthiness and payment history.

The solution works best for suppliers with high transaction volumes who regularly work with repeat construction clients. Setup requires integration with existing accounting systems and American Express payment processing.

9) Monite AP Automation

Monite provides embedded AP automation solutions specifically designed for B2B companies and vertical SaaS platforms. The platform offers modular APIs that allow construction suppliers to integrate accounts payable functionality directly into their existing systems.

The solution includes ready-to-use interface components that incorporate Monite's business logic while maintaining full control over branding and user experience. Construction suppliers can customize workflows to match their specific operational needs without extensive development work.

Monite's API-first approach enables seamless integration with existing construction management software and ERP systems. The platform handles invoice processing, approval workflows, and payment automation through a single integration point.

The system supports both accounts payable and accounts receivable functions, making it suitable for construction suppliers who need to manage both incoming bills and outgoing invoices. Real-time data synchronization ensures accurate financial reporting across all connected systems.

Construction suppliers benefit from reduced manual data entry and faster payment processing times. The platform's embedded nature means users work within familiar interfaces rather than switching between multiple applications for different financial tasks.

10) PaySaxas Multi-Currency Platform

PaySaxas operates as a crypto-enabled cross-border payment processing solution for businesses that specializes in multi-currency accounts and global payments. The platform offers construction suppliers in Texas the ability to handle international transactions with vendors and clients worldwide.

The system provides multi-currency accounts that allow businesses to hold, send, and receive funds in various currencies within one platform. This eliminates the need for multiple banking relationships when working with international construction projects or suppliers.

PaySaxas delivers customized pricing for SWIFT and SEPA transactions, foreign exchange, and crypto over-the-counter services. Construction suppliers can benefit from managing currency exchange for business payments through reduced foreign exchange costs and real-time exchange strategies.

The platform includes advanced security features with encryption and regulatory compliance. Construction companies can process payments securely while maintaining compliance with financial regulations.

PaySaxas targets businesses that require cross-border payment capabilities and multi-currency support. Texas construction suppliers working with international partners or clients can streamline their payment processes through this specialized platform.

Key Considerations for Construction Suppliers in Texas

Construction suppliers in Texas face unique payment challenges including strict retainage requirements and complex lien laws. State regulations mandate specific payment timelines and notice requirements that directly impact cash flow management.

Industry-Specific Payment Challenges

Construction suppliers deal with extended payment cycles that can stretch 60-90 days from invoice to payment. This creates significant cash flow gaps that require careful financial planning.

Retainage issues pose major challenges. Texas law requires 10% retainage on private projects, which cannot be modified by contract agreements. Suppliers must wait until project completion to receive these funds.

Payment disputes frequently arise from:

• Change order disagreements
• Material quality claims
• Delivery timing issues
• Quantity discrepancies

Supply chain disruptions add another layer of complexity. Companies with slow payment reputations may receive lower priority during material shortages, according to procurement and payment specialists.

Documentation requirements create administrative burdens. Suppliers must maintain detailed records of deliveries, invoices, and correspondence to protect lien rights and ensure prompt payment.

Texas Regulations Impacting B2B Payments

The Texas Prompt Payment Act establishes strict payment deadlines that cannot be modified by contractual agreements between parties.

Payment timeline requirements vary by project type:

• Public projects: 30 days from invoice approval
• Private projects: Terms specified in contract, typically 30 days
• Subcontractor payments: 7 days after receiving payment from owner

Notice requirements protect payment rights. Suppliers without direct contracts must provide written notice of nonpayment within 90 days of last material delivery to both contractor and surety.

Lien law compliance requires specific procedures. Texas mechanics' lien laws mandate monthly notices and strict filing deadlines. Missing these deadlines eliminates payment protection rights.

The state enforces these regulations strictly. Contractors cannot waive or extend statutory payment deadlines through contract modifications, giving suppliers legal protection for timely payments.

Enhancing Cash Flow and Security

Construction suppliers in Texas face significant challenges with delayed payments and payment fraud risks. Modern B2B payment solutions address these issues through automated processes and advanced security features.

Reducing Payment Delays

Payment delays create serious cash flow problems for construction suppliers. Traditional paper-based processes often result in payments taking 30-60 days or longer to complete.

Digital payment platforms cut processing time dramatically. ACH payments typically clear within 1-3 business days compared to weeks for paper checks. This speed helps suppliers manage cash flow more effectively and reduces the need for expensive financing.

Automated invoicing systems eliminate manual processing delays. These platforms send invoices immediately upon delivery and can automatically follow up on overdue payments. Real-time payment tracking gives suppliers visibility into exactly where each payment stands in the approval process.

Key delay reduction features:

• Automated invoice generation and delivery
• Electronic approval workflows
• Real-time payment status updates
• Automatic payment reminders

Many suppliers report receiving payments 40-50% faster after switching to digital platforms.

Fraud Prevention Measures

Payment fraud costs construction companies millions annually. Digital B2B payment solutions include multiple security layers to protect against fraudulent transactions.

Multi-factor authentication requires additional verification beyond passwords. This typically includes SMS codes, email confirmations, or biometric verification for high-value transactions.

Encrypted data transmission protects sensitive financial information during transfers. Advanced platforms use bank-level encryption that meets PCI compliance standards required for processing payments safely.

Essential security features:

• Real-time fraud monitoring - AI systems flag suspicious transaction patterns
• Digital payment trails - Complete audit logs for every transaction
• Role-based access controls - Limit payment approval authority to specific employees
• Secure vendor verification - Confirm supplier bank details before processing payments

Modern B2B platforms also provide enhanced security and efficiency through blockchain technology and tokenization. These features make it nearly impossible for fraudsters to intercept or alter payment data.

Frequently Asked Questions

Construction suppliers in Texas face unique challenges when selecting payment platforms, managing compliance requirements, and ensuring secure transaction processing. These common questions address practical concerns about implementation, support, and regulatory adherence.

What are the top-rated B2B payment processing platforms for construction suppliers in Texas?

Several payment platforms receive high ratings from construction suppliers in Texas. Billtrust leads in accounts receivable automation with comprehensive invoicing capabilities.

WEX Virtual Cards provides secure payment solutions specifically designed for business-to-business transactions. Zoho Invoice offers integrated payment processing with project management features.

BNPL providers like Klarna and Afterpay are frequently mentioned in industry reviews for construction companies. These platforms offer tailored solutions that cater to unique construction firm needs.

Joist Online Payment Platform specializes in contractor and supplier payment workflows. Billd Extended Payment Terms focuses on construction-specific financing and payment solutions.

How do construction suppliers in Texas benefit from integrating Corpay or similar payment technologies?

Payment technology integration reduces manual processing time and improves cash flow management. Construction suppliers gain automated invoice generation and faster payment collection.

Digital payment platforms eliminate paper checks and reduce processing costs. Suppliers can track payment status in real-time and manage multiple client accounts efficiently.

Integration with existing accounting systems streamlines financial reporting. This reduces data entry errors and provides better visibility into outstanding receivables.

Can Corpay One streamline accounting and invoicing for construction suppliers, and if so, how?

Corpay One connects directly with popular accounting software like QuickBooks and Sage. This integration automatically syncs payment data and updates invoice statuses.

The platform generates detailed financial reports for better cash flow analysis. Construction suppliers can customize invoice templates and set up recurring billing schedules.

Automated reconciliation features match payments to invoices without manual intervention. This saves accounting staff significant time on routine financial tasks.

Which B2B payment systems offer the best security features for construction suppliers handling large transactions?

Enterprise-grade payment systems use encryption and tokenization to protect transaction data. Multi-factor authentication prevents unauthorized access to payment accounts.

PCI DSS compliance ensures credit card transaction security meets industry standards. Advanced fraud detection monitors unusual transaction patterns automatically.

Construction payment solutions that provide guaranteed funds eliminate payment risks and keep operations running smoothly. Secure payment rails protect both suppliers and their clients during large transactions.

How do payment solution providers like Corpay ensure compliance with Texas state financial regulations for construction suppliers?

Payment providers maintain compliance teams that monitor changing state regulations. They update systems automatically to meet new Texas financial requirements.

Regular audits ensure ongoing adherence to state banking and commerce laws. Providers offer documentation and reporting features that support regulatory compliance.

Legal teams review platform features against Texas construction lien laws and payment regulations. This protects suppliers from potential compliance violations.

What are the support options available for construction suppliers using B2B payment solutions such as Corpay in case of technical issues?

Most enterprise payment platforms offer 24/7 phone and email support. Live chat features provide immediate assistance during business hours.

Training materials and live support help suppliers and their teams adopt new payment software effectively. Dedicated account managers assist with complex implementation issues.

Online knowledge bases contain step-by-step guides and troubleshooting resources. Video tutorials demonstrate common platform features and workflows for construction suppliers.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.