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
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 can be overridden by your contract's own terms. SubPay isn't a substitute for legal advice — it tracks the dates your contract sets.
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.
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
Every Payment Notice and Pay Less Notice deadline, calculated from your contract's own terms and flagged well before it's too late to act.
Contract terms
Payment terms, retention rules and CIS status stored once, then applied automatically to every application.
Payment applications
Claimed values, certified amounts, outstanding balances and final payment dates, all 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.
How SubPay helps
Stay ahead of the payment cycle instead of reacting after a deadline's passed.
SubPay surfaces risk while there's still time to act on it: an approaching notice deadline, an overdue application, retention that should have been claimed back weeks ago.
Know what's outstanding
Every unpaid balance across every contract, before cash flow becomes a guessing game.
See what's due next
Payment due dates and final payment dates, visible to your whole team, not just whoever remembers.
Prove what happened
A dated record of every application, notice and payment, ready the moment a dispute starts.
Work from one source of truth
One workspace instead of a spreadsheet, an inbox, and a calendar that don't talk to each other.
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 rules and notice periods once — SubPay tracks every date from there.
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.
Get started
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.