Construction Payment Processing with Sage Intacct: Complete Guide

If you work in construction, you know that managing payments can be as complex as the projects themselves. Between progress billing, retainage, subcontractor invoices, and milestone-based payments, there’s a lot to track—and even more that can go wrong. A single delayed invoice or misapplied payment can throw off cash flow and slow down the entire operation.

That’s where automation and connected systems make a difference. Tools like Sage Intacct ERP help construction companies keep their financials organized, accurate, and transparent. The platform was designed for industries that rely on project-based accounting and recurring payments, which makes it a natural fit for construction firms juggling multiple jobs at once.

Sage Intacct construction solutions give you a way to bring all the moving parts—billing, payroll, and payment collection—into one ecosystem. With the right payment processing solution, you can keep projects funded and finances predictable without the usual back-and-forth between systems.

Understanding Construction Payment Workflows

Construction payment workflows are different from standard business transactions. Instead of a single invoice and payment, projects typically involve progress billing, where payments are tied to completed milestones. Then there’s retainage—holding back a portion of funds until the project is finished—and change orders that alter the contract midstream.

Each of these moving pieces makes cash flow management tricky. Many construction firms still rely on spreadsheets or disconnected tools, which leads to delays, duplicate entries, and incomplete records. Even small mistakes can snowball into disputes or lost revenue.

Sage Intacct for construction brings all these elements together under one roof. Payments, job costing, accounts receivable, and project accounting all live in the same environment. This integration ensures that every transaction—whether it’s a customer payment or subcontractor payout—is tracked accurately and reflected instantly across your books.

How Sage Intacct Simplifies Construction Payment Processing

With Sage Intacct payment processing, construction firms can automate repetitive tasks that would otherwise take hours each week. Invoices can be generated automatically when milestones are reached, payments can be applied directly to the correct accounts, and updates are posted instantly to the general ledger.

Instead of managing dozens of manual reconciliations, you get a clear view of what’s been billed, what’s paid, and what’s still outstanding. Retainage is easier to track, and compliance documentation stays attached to each payment record.

Because everything lives in one connected environment, finance teams and project managers are always working from the same set of data. This transparency reduces the risk of miscommunication and gives leadership better insight into overall financial health.

Sage Intacct Payment Processing and Integration

A major advantage of Sage Intacct integration is how it connects directly to the modules you already use—general ledger, project accounting, accounts receivable, and payroll. That means every transaction, from vendor payments to customer receipts, flows seamlessly through your financial system.

When combined with a dedicated payment processor, Sage Intacct becomes a complete end-to-end payment management tool. Companies can process credit cards, ACH transfers, and eChecks directly from within the system. Payments post automatically, and reconciliation happens in real-time.

This level of integration isn’t just about convenience—it’s about accuracy. With every payment linked to the right job or customer record, reporting becomes easier and more reliable. Teams spend less time fixing errors and more time focusing on cost control and forecasting.

Processing Credit Cards in Sage Intacct for Construction

In the past, construction companies hesitated to accept credit cards due to processing fees. However, with competitive rates and Sage Intacct construction pricing transparency, it’s now becoming standard practice. Customers appreciate the flexibility, and businesses benefit from faster collections.

Sage Intacct CRE (Construction and Real Estate) supports credit card and ACH payments securely through PCI-compliant security practices like tokenization. Sensitive data never touches your internal systems, reducing risk and simplifying audits. Whether you’re collecting a deposit, progress payment, or final invoice, the process is fast and protected.

When paired with an integrated payment processor, credit card transactions flow directly into the right accounts within Sage Intacct ERP. There’s no need to export data, upload batches, or manually reconcile. That time saved adds up across dozens—or hundreds—of projects each year.

Managing Costs and Fees in Sage Intacct Payment Processing

Every dollar counts in construction, and that includes the cost of getting paid. Sage Intacct payment processing gives you visibility into transaction fees, so you can make informed decisions about which payment methods to promote.

Some integrated processors, like EBizCharge, include features such as interchange optimization. This automatically routes each transaction through the lowest-cost category, helping reduce overall fees without extra effort. The result is lower processing costs and a more predictable cash flow.

With costs tracked directly in Sage Intacct for construction, finance teams can see exactly how much each payment method impacts margins. That level of insight helps guide pricing strategies, subcontractor terms, and even how you approach new bids.

Expanding Beyond Construction: Sage Intacct in Other Industries

While this guide focuses on Sage Intacct construction, it’s worth noting how flexible the system is across industries. Healthcare organizations, for example, use Sage Intacct integration to manage claims, automate patient billing, and ensure HIPAA-compliant payment workflows. Professional services and SaaS companies use it for recurring billing and subscription payments.

For construction teams, this means you’re not working with a niche or outdated platform. You’re using an ERP trusted across industries for its automation, reporting, and adaptability. That’s especially valuable for firms expanding into design-build, property management, or maintenance contracts.

Why Choose Integrated Payment Solutions like EBizCharge

A strong payment processing solution can make or break your efficiency. EBizCharge is a popular choice for construction firms using Sage Intacct ERP, as it seamlessly integrates into existing workflows.

EBizCharge automates payment posting, handles refunds and ACH transfers, and generates detailed transaction reports—all from within Sage Intacct. It also helps reduce costs through rate optimization and offers transparent reporting so you always know where your money is going.

For teams managing multiple projects, this means no more manual reconciliations or waiting on payment confirmations. Payments are applied instantly, freeing your accounting staff to focus on budgeting, forecasting, and payroll management. And since EBizCharge works directly with Sage Intacct construction payroll, it ensures every dollar that flows in and out is accounted for correctly.

Building a Stronger Financial Foundation with Sage Intacct

In an industry where timelines and budgets are always under pressure, having reliable payment systems isn’t a luxury—it’s essential. With Sage Intacct construction and the right payment processing solution, companies can automate tedious tasks, improve cash flow, and keep every project financially on track.

Whether you’re handling retainage, credit card payments, or payroll, Sage Intacct ERP provides the structure and visibility you need. By pairing it with an integrated payment processor, you’re not just simplifying payments—you’re strengthening your entire financial operation.

At the end of the day, good construction management depends on good data. And with Sage Intacct for construction, that data finally comes together—secure, connected, and ready to support your growth.