Builders & extensions
Stage payments that keep the site moving
Deposit, first fix, second fix, final balance — each as a tracked Pay-by-Bank request. Built for contractors who need cash flow without card-percentage drag.
Built for builders and extension contractors collecting £250+ payments.
Where builders & extensions lose time and margin
The same pattern shows up across £250+ jobs: card fees scale with the invoice, and manual transfers create admin you do not get paid for.
Milestones need cash, not chase time
Materials and subcontractors do not wait while you hunt for an unmarked transfer in the bank feed.
Large invoices make card fees painful
Percentage fees on a £7,500 stage invoice are a real hit to the job margin.
Reminders fall through the cracks
Busy sites mean unpaid requests get forgotten until cash flow tightens.
What Pay-by-Bank changes
KubePay gives builders and extension contractors a request-and-confirm workflow that fits WhatsApp, SMS, email and QR — without holding customer funds.
One request per stage
Define amount and reference per milestone so accounts and site managers stay aligned.
Reminders without awkward calls
Automated reminders help close unpaid stage invoices while you stay on tools.
Audit-friendly records
Status, receipts and exports make it easier to reconcile against the contract schedule.
How it fits your job process
- 1
Agree the stage schedule
Map deposits and milestones to payment requests with clear job references.
- 2
Send before the next order
Share the link when the stage is due — not days later when the chase begins.
- 3
Confirm, then proceed
Release the next phase when payment status confirms, not when someone thinks it landed.
Questions we hear from builders & extensions
- Does this replace my contract payment schedule?
- No. It operationalises it — each contractual stage becomes a clear, trackable bank payment request.
- What about retention or final balances?
- Create a separate request for the final balance or retention release with a reference your QS and accounts recognise.
Next step
Start collecting builders & extensions payments properly
Open an account, send your first payment request, or get a free look at what card fees are costing your larger jobs.