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Track vendor paperwork
Off hides the paperwork lane in the inbox, and every document that arrives is read as a bill or a receipt.
You cannot turn this off while a vendor's payment is held on missing paperwork — turning it off would keep the hold and take away the lane that clears it.
Show COI status on vendors and in Accounts Payable. Turn off to hide it everywhere.
Act when a required policy has lapsed. Off shows compliance badges but never holds up a payment.
Required policies
What each kind of vendor has to carry.
General guidance only. What a policy covers depends on its own wording and your state — check the certificate.
Minimum coverage
Checked against each certificate at review. A shortfall is flagged for a person to decide on — it does not block a payment on its own.
Type Statutory where the state sets the figure.
Type Statutory where the state sets the figure.
Need different coverage for one vendor? Override it on that vendor's profile — including a one-off “Other” certificate.
Required endorsements
Endorsements are verified on a current general liability policy.
Endorsement enforcement
Set how each missing required endorsement affects payment.
Enforcement, if a required policy lapses
Set per policy — a lapsed general liability certificate can stop a payment while a lapsed umbrella only warns.
Block holds payment for expired or missing required policies until resolved or overridden with a reason.
Expiry reminders
Email the vendor's contact + company admins before a policy expires.
Mock settings — not yet wired to a backend.
Show lien-waiver requests, status, and payment compliance. Turn off to hide it everywhere.
Required for
Choose which vendor types need a signed waiver for each invoice.
Need a different rule for one vendor? Override it on that vendor's profile.
Enforcement
Choose how an unsigned required waiver affects payment.
Block holds payment until the waiver is signed or an operator overrides with a reason.
Waiver template
Waiver templates are managed under the DocuSign integration for now.
W-9 required for
Choose which vendor types must have a current W-9 on file.
W-9 enforcement
Choose how a missing or expired required W-9 affects payment.
License required for
Choose which vendor types must have an active license.
License enforcement
Choose how a missing or expired required license affects payment.
Block holds payment until the license is active or an operator overrides with a reason.
Set by BuilderPad. These protect every account and cannot be loosened.
Large payment review
Large payments are what fraud aims at, and the hardest money to get back once it has left. Someone looks before it goes.
First payment to a new payee
The first payment to a new payee is the most common way money goes to the wrong place — there is no payment history to compare it against yet.
Recent bank-account change
A changed bank account is how vendor-email fraud works: the invoice is real, the work is real, only the destination was swapped.
Unverified destination
Nobody has proved this account belongs to this vendor. Verification is two separate checks — who controls the account, and who the business is — and they have not both passed.
Rolling aggregate review
Without this, the four rules above are trivially evaded: one $60,000 payment becomes two of $30,000 and nothing trips. This rule looks at the running total, not the single payment.
Bank-account grouping is approximate in this build because it uses only the routing number and last four account digits.
You can make these protections stricter, never weaker. Changes take effect when saved.
Platform floor: $40,000.00 · Effective in force: $40,000.00
Platform floor: 14 days · Effective in force: 14 days
Platform floor: 7 days · Effective in force: 7 days
Platform floor: $40,000.00 · Effective in force: $40,000.00
Platform floor: 1 approver · Effective in force: 1 approver
Set with your account manager and not editable here.
Your account has a payment-run ceiling of $250,000.00. This applies to a whole batch of payments sent together; the rules above apply to each payment on its own.