UK Construction Payment Protection

Protecting Your Money. Protecting Your Payment.

The UK's construction payment protection service. The full job value is held securely before work starts — released stage by stage only when both parties agree. Protecting homeowners from deposit losses and tradesmen from unpaid invoices, UK-wide.

Register Your Interest → See How It Works
100%
Job Value Protected
£0
Deposit Risk
£1K
From £1,000 Each
Protected Payments
Stage-by-Stage Releases
Both Parties Protected
UK-Wide Service
The Problem Is Real

The numbers behind why SafePay exists

The UK construction industry has a payment crisis on both sides. These are the facts.

370,000+
Construction Firms in the UK
Over 370,000 VAT and PAYE registered construction businesses operating across Great Britain — the vast majority are small, independent tradespeople.

Source: ONS, 2024
£11BN
Lost to Late Payments Every Year
Late payments cost the UK economy £11 billion every year — and construction is the worst affected sector of all, with 4,056 construction firms going insolvent in 2024-25 alone.

Source: UK Government, Rise Funding 2025
38
Businesses Close Every Single Day
38 UK businesses shut their doors every day because they are not paid on time. That is over 13,000 businesses per year — many of them tradespeople who simply never got paid.

Source: UK Government, 2026
86hrs
Wasted Chasing Invoices Per Year
On average, business owners waste 86 hours every year chasing invoices. For a tradesman, that is two full working weeks spent on the phone and sending emails instead of earning money.

Source: UK Government, 2026
18%
Construction Invoices Paid Late
Nearly 1 in 5 construction invoices were paid past their due date in 2024. For small tradespeople with thin margins, even one late payment can threaten the entire business.

Source: Rise Funding, 2025
£1,500+
Average Cost of Legal Action
Taking a payment dispute to court costs £1,500 or more in solicitor fees — and that is before court fees of up to £455. Most tradespeople simply write the debt off rather than go legal.

Source: Garfield Law, 2026
SafePay eliminates every one of these problems — before work even starts.

The money is there. The stages are agreed. There is nothing to chase, nothing to dispute, and no need for legal action. Just work completed and payment released.

Register Your Interest →
The Process

How SafePay Construction Works — Simple Enough for Anyone

No confusing small print. No hidden fees. Just a secure, neutral account that protects everyone.

01
🤝

Job Agreed

Homeowner and tradesman agree the scope, stages, and payment amounts. Both sign a simple digital contract through SafePay.

02
💰

Money Loaded

The homeowner deposits the full job value into SafePay before work begins. The tradesman knows every penny is there — guaranteed.

03
🔨

Work Starts

The tradesman gets to work knowing payment is secured. No chasing invoices. No bad debt. Just getting on with the job.

04
✅

Stage Complete

When a stage is done, both parties confirm it through SafePay. No arguments about what's been completed — both agree before anything moves.

05
⚡

Funds Released

SafePay releases the agreed stage payment immediately. The tradesman gets paid fast. The homeowner's remaining balance stays protected.

06
🏆

Job Complete

Final stage confirmed, final payment released. Both parties receive a full job record — contract, stages, payments, sign-offs.

For Homeowners

Your money never leaves your control until the work is done.

  • ✓Full job value protected in secure protected from day one
  • ✓No deposit risk — money only moves when you both agree
  • ✓If a tradesman quits, every remaining penny comes straight back to you
  • ✓Plain English contract agreed before work starts
  • ✓Dispute resolution included — no extra charge
  • ✓Full job record for insurance, resale, or peace of mind
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HOME
For Tradesmen

Start every job knowing the money is already there.

  • ✓Full job value in a protected account before you lift a tool
  • ✓No more chasing invoices or writing off bad debt
  • ✓Fast stage payments — released within 24 hours of sign-off
  • ✓If a homeowner cancels, you're paid for every completed stage
  • ✓Your SafePay fee is deducted from your final payment — nothing to pay upfront
  • ✓Clean payment records for your accounts and tax returns
Register Interest →
TRADE
Transparent Pricing

Construction Payment Protection Pricing — Fixed Fee, Both Parties

Homeowner and tradesman each pay the same fixed fee based on job size. Dispute resolution is always included. No percentages, no surprises.

Tier 1
£1,000
each party
£10k – £99,999
Most Common
Tier 2
£1,500
each party
£100k – £249,999
Tier 3
£2,500
each party
£250k – £499,999
Tier 4
£5,000
each party
£500k – £999,999
Tier 5
Custom
£1,000,000+
Contact Us
Homeowner
Payment Protection
  • Money protected before work starts
  • Digital job contract
  • Stage sign-off dashboard
  • Dispute resolution included
  • Full job record on completion
Tradesman
Guaranteed Payment
  • Guaranteed funds before you start
  • Fast 24hr stage releases
  • Fee deducted from final payment — nothing upfront
  • Dispute resolution included
  • Clean payment records

Same fee. Both parties. Always fair. On a £50,000 renovation each party pays £1,000. On a £500,000 self build each party pays £5,000. Jobs under £10,000 are not covered. Jobs over £1,000,000 are priced on application. Dispute resolution is always included — no extra charge, ever.

Fee Calculator

What will my fee be?

Enter your job value to see exactly what each party pays.

£
Common Questions

SafePay Construction — Frequently Asked Questions

SafePay Construction is a UK payment protection service built specifically for construction jobs. The full job value is held safely and only released to the tradesman when both parties agree each stage is complete. It protects homeowners from losing money to unreliable builders, and protects tradesmen from clients who don't pay.
No. SafePay is completely independent. You find your own tradesman — we just protect the money between you. Either the homeowner or the tradesman can suggest using SafePay on any job.
Payment stages are agreed between you and your tradesman before work starts — SafePay just holds and releases the money at each agreed point. A typical new build or large renovation might look like this:

Stage 1 — Foundations Complete — groundworks done, foundations inspected and signed off
Stage 2 — Watertight — structure up, roof on, building weatherproof
Stage 3 — Joiner 1st Fix — internal studwork, flooring, door linings, staircase in place
Stage 4 — Plumber 1st Fix — pipework and soil pipes run before walls close
Stage 5 — Electrician 1st Fix — cables run and back boxes fitted
Stage 6 — Plasterwork Complete — all walls and ceilings plastered and dried out
Stage 7 — 2nd Fix & Completion — final fit out, snagging complete, handover

Each stage has an agreed payment amount. When both parties confirm it's done, SafePay releases that stage payment immediately. You only ever pay for what's actually been completed.
Yes. Funds are held by a regulated third-party provider. Neither SafePay, the tradesman, nor the homeowner can access the money unilaterally — it can only be released when both parties agree a stage is complete.
SafePay's role is to protect your money — not to assess the quality of workmanship. That is your responsibility when choosing your tradesman. If a dispute arises over whether a stage has been completed, both parties submit photographic evidence and SafePay makes a decision based solely on whether the agreed stage appears complete. Dispute resolution is always included in your fee — there is no extra charge.
If a tradesman quits part way through, every penny remaining in your protected account is returned to you immediately. You have your money ready to bring in someone else to finish the job. Any stages already completed and agreed remain paid to the tradesman.
If the homeowner cancels, the tradesman is paid for every completed and agreed stage. The remaining balance is returned to the homeowner. Neither party loses money for work genuinely completed.
SafePay Construction is currently in development. Register your interest below and you'll be among the first to know when we launch. We'll be going live UK-wide.
About SafePay

Built by someone who knows construction from the inside.

SafePay Construction was created to solve a problem that's existed in the industry for decades.

Every year, homeowners lose thousands to builders who take deposits and disappear. Every year, tradesmen write off thousands in unpaid invoices from clients who refuse to settle up. Neither side has had a simple, fair way to protect themselves — until now.

SafePay puts the money safely in the middle. Neither party can touch it without the other's agreement. The job gets done. Everyone gets paid. Simple as that.

🏗️

Built for Construction

Designed specifically for domestic and commercial construction jobs across the UK

⚖️

Completely Neutral

We don't take sides. We don't recommend tradesmen. We just protect the money.

🇬🇧

UK-Wide from Day One

Available to homeowners and tradesmen across the entire United Kingdom

🔒

Regulated & Secure

Funds held by a regulated third-party provider. Your money is safe at every stage.

Register Interest

Register Interest — Be First When SafePay Construction Launches

SafePay Construction is coming soon. Register your interest and we'll be in touch as soon as we go live.

🔒 Your details are safe with us. No spam, ever.

🎉

You're on the list!

Thanks for registering your interest in SafePay Construction. We'll be in touch as soon as we launch.