Miss a deadline. Lose the payment.
Under the HGCRA, missing a Payment Notice or Pay Less Notice deadline can mean losing your right to dispute what's owed — or being forced to pay the full sum claimed. SubPay tracks every deadline automatically, so nothing slips through a spreadsheet or a missed email.
Contract value
£184,250
JCT Design & Build
Payment due
14 days
Payment application 04
Pay Less Notice
2 days left
Deadline: 23 Jun 2026
Live contract timeline
Every application, notice and payment, in the order they actually happened.
Application submitted
£42,000 claimed
Payment due
14 days remaining
Pay Less Notice deadline
2 days remaining — act now
3 contracts free
Use the complete workflow without a card or trial clock.
Your records stay yours
Export spreadsheet-ready CSV and professional PDF records.
Built for UK payments
Applications, notices, CIS, retention and payment dates in one place.
Nothing locked away
Existing records remain available when the free limit is reached.
This isn't a guideline. It's the law.
Two deadlines decide who gets paid what.
5 days
Payment Notice deadline
Under the Scheme for Construction Contracts default, a Payment Notice is due within 5 days of the payment due date. Miss it, and the application itself becomes the deemed notice — the full amount claimed is now what's owed.
7 days
Pay Less Notice deadline
A valid Pay Less Notice must be given at least 7 days before the final date for payment. Miss it, and the payer must pay the full notified sum — no deductions, no dispute.
These are the Scheme's fallback periods and your contract may override them. SubPay applies the default notice windows to the dates you record; always confirm your contract's provisions. It isn't a substitute for legal advice.
How it actually goes wrong
It's rarely one big mistake. It's a deadline nobody was watching.
A notice deadline buried in a contract nobody reopened. A payment application with no record of what was actually agreed. Retention nobody remembered to claim back. Each one is small — until it costs real money.
No record when it matters
When a dispute happens, you need the exact date something was submitted — not a memory of it.
Notices sent, then forgotten
A Payment Notice or Pay Less Notice is only useful if you can prove when it was given.
Retention nobody chased
Retention held past the defects liability period, quietly never claimed back.
Deadlines nobody was watching
Payment due dates and final payment dates that only became visible once they'd passed.
Who it's for
Whoever raises the application or checks the numbers, it's built for you.
The payment cycle looks a little different depending on where you sit in the supply chain. SubPay adapts to how your part of it actually works.
M&E Contractors
Track staged applications across mechanical and electrical packages, from first fix through to commissioning and final account.
See how →Civil Engineering & Groundworks
Track measured works, remeasurement and payment applications across groundworks and civil engineering packages.
See how →Fit-Out Contractors
Manage payment applications and Pay Less Notices across fast-moving commercial fit-out programmes and tight handover dates.
See how →
The work happens on site. The risk happens on paper.
Photo: shraga kopstein / Unsplash
Features
One workspace for the whole payment cycle.
Contract terms, payment applications, notice deadlines and payments — connected to each other, not scattered across a spreadsheet, an inbox and a calendar.
Notice deadline tracking
Payment Notice and Pay Less Notice deadlines calculated from the dates you record using the Scheme's default windows, with the result kept visible in the workflow.
Contract terms
Payment terms, retention rules and CIS status stored once, then applied automatically to every application.
Payment applications
Claimed, paid and outstanding values with payment due and final payment dates in one place.
Commercial dashboard
What's overdue, what's due soon and what needs attention — across every active contract.
Audit trail
A clean record of what was submitted, when it was due, and what changed.
Team-ready
Built for accounts where more than one person needs visibility over the same commercial process.
Before and after
Same job. A completely different amount of risk.
Without SubPay
Notice deadlines tracked in your head, or a calendar reminder you eventually snooze.
Proof of what happened lives across email threads, texts and memory.
Retention quietly forgotten once the defects liability period ends.
One person holds the whole commercial picture in their head.
With SubPay
Default notice windows and payment dates kept visible against the application they belong to.
A dated record of every application, notice and payment, ready the moment it's needed.
Outstanding retention visible across every contract, the day it becomes due.
Your whole team sees the same numbers, the same deadlines, the same status.
Built for this trade specifically
Not a general project tool with construction bolted on.
SubPay is built around the Housing Grants, Construction and Regeneration Act specifically — Payment Notices, Pay Less Notices, retention, CIS deductions. Not a generic task tracker relabelled for the trade.
Photo: Ben Koorengevel / Unsplash
Workflow
Built around the order construction payments actually happen in.
Not a huge ERP system — a focused tool that keeps you organised, proves what happened, and makes sure a date never slips past unnoticed.
Add the contract
Capture payment terms, retention, VAT and CIS rules once so each application starts from the same record.
Submit applications
Record claimed values, submission dates and payment due dates as they happen.
Watch the notice window
Payment Notice and Pay Less Notice deadlines, flagged before they become a problem, not after.
Track payment
Record what's been paid and keep every outstanding balance visible.
Questions
Before you start
Is SubPay legal advice?
No. SubPay tracks the dates and deadlines involved in your payment cycle, using the Scheme for Construction Contracts' default periods (5 days for a Payment Notice, 7 days for a Pay Less Notice) unless your own contract specifies otherwise. It's not a substitute for advice from a solicitor about your specific contract.
Can more than one person on my team use it?
Yes. A workspace can have multiple members with their own sign-in, all seeing the same contracts, applications and deadlines — so the commercial picture isn't stuck in one person's head.
Do I need my contracts already set up somewhere digital?
No. You can add contracts one at a time, or import several at once from a spreadsheet. Either way, SubPay starts tracking deadlines the moment a contract's terms are in.
What happens if I cancel?
You keep access until the end of your current billing period, then it stops. There's no long-term commitment beyond your current billing cycle.
Start free
Know what's due, what's outstanding, and what needs action today.
SubPay keeps the commercial workflow clear and accountable from contract setup through to final payment — no deadline left to memory.