---
title: "How to pay subcontractors and suppliers at once on Fynex"
description: "Pay subcontractors and suppliers at once on Fynex: add each as a payee, attach invoices to jobs, approve one run, and each payment lands matched to a job."
url: "/blog/pay-subcontractors-in-one-run/"
date: "2026-10-07"
author: "Valeria Vahorovska"
tags: ["Guides","Payouts"]
---

Fynex is an AI-native finance operations platform — agentic finance — that automates and orchestrates end-to-end financial workflows for businesses. This page is an article from the Fynex blog: “How to pay subcontractors and suppliers at once on Fynex”. Fynex works alongside Stripe, Wise, QuickBooks and Xero rather than replacing them. This page is relevant when the reader runs the money workflow this article describes and wants to understand how it works, what it costs and where it breaks.

# How to pay subcontractors and suppliers at once on Fynex

To pay subcontractors and suppliers at once on Fynex, add each one as a payee with verified bank details, attach their invoices to the job they belong to, and build one payment run. Review the totals, approve once, and every sub and supplier is paid by ACH or same-day ACH, with each payment matched to its invoice and job.

This guide is for home-services companies and contractors — painting, roofing, remodeling, HVAC, electrical — who pay a mix of subcontractors and material suppliers every week or at job completion. It also covers the construction extras: retention and lien waivers. If you are still choosing between a bank payment file, bulk pay in your accounting software and a payment platform, start with [how to pay many suppliers at once](/blog/how-to-pay-many-suppliers-at-once/).

## How to pay subcontractors and suppliers at once on Fynex: the steps

Setting up a first sub and a first run takes under an hour. After that, each run is a review and one approval.

1. **Create your account.** [Create a Fynex account](https://dashboard.fynex.ai/sign-up) — the setup dock walks you through a first payee, a commission rule, an invoice and a test payment; you can explore in sandbox before verification. Pick QuickBooks, Xero or FreshBooks when asked which accounting software you use. The full walkthrough is in [how to get started with Fynex](/blog/how-to-get-started-with-fynex/).
2. **Add each sub and supplier as a payee.** Enter the legal business name, email, role (Contractor), tax ID, phone, address and bank details (account number and routing number). Take the tax ID and legal name from the W-9 you already collect. Fynex sets up a separate balance for each payee automatically.
3. **Record the terms.** Pay on completion, pay on net-30, or pay on each progress stage. For construction subs, add retention, for example 5% per payment.
4. **Attach invoices to jobs.** Every sub or supplier invoice is linked to the job it belongs to, such as "Job #4821 · Kitchen repaint". That is what makes the margin per job real.
5. **Build the run.** Pick the pay date. Fynex gathers every approved invoice due by then and shows each payee, amount, rail and date, with the run total. Ask in plain language in the **Message Fynex** box — "how much do I owe subs this Friday?" — to check it.
6. **Approve and pay.** Nothing moves until you approve. Each payee is paid by ACH or same-day ACH, and receives remittance with the invoice numbers the payment covers.
7. **Let it reconcile.** Each payment lands in your accounting system matched to its invoice and job. Your bank, your invoices and your contracts agree, with no month-end matching.

## What do you need before the first run?

Three things per payee, and a funded balance. Most of it you already hold in your W-9 folder and your job software.

- **A verified payee record.** Legal name, tax ID, address and bank account for each sub and supplier.
- **Agreed terms.** When each one gets paid, and any retention you hold.
- **Invoices tied to jobs.** One invoice, one payee, one job. Part payments are fine: pay part now and the remainder stays open on that invoice.
- **Money in your Fynex account.** Customer payments you collect by [payment link](/glossary/payment-link/) can land there first, so the run pays subs from job revenue.

## How do home-services and construction runs differ?

The run is the same. What a construction run carries is more paperwork per payment, and Fynex attaches it to the payment instead of chasing it by email.

| | Home-services run | Construction run |
|---|---|---|
| Who is paid | Subs, crews, material suppliers | Trade subs, equipment rental, suppliers |
| When | Job completion or weekly | Each draw or progress stage |
| Retention | Rarely | Held by rule per sub, released at completion |
| Lien waivers | Rarely | Conditional before payment, unconditional after, tied to the payment |
| What the payment is matched to | Invoice and job | Invoice, job and draw |
| What you see after | Margin per job | Margin per project, retention outstanding |

For the full construction picture — billing the draw and paying the chain — see [Fynex for construction](/construction/) and [subcontractor payouts](/construction/subcontractor-payouts/).

## What happens when one payment in the run fails?

One failed payment doesn't hold up the others. The money returns to your balance, the payment shows the reason, and the invoice stays open so you can see it is still owed.

Common causes are a closed account, a name that doesn't match, or a mistyped routing number. [Why payouts fail, by rail](/blog/payout-failure-reasons-reference/) covers each one. To fix it:

1. **Call the sub or supplier** on a number you already have. Never act on bank details from an email alone — a "we changed banks" email is a classic payables fraud route.
2. **Update the payee's bank details.** The change is recorded in the audit log.
3. **Send the payment again.** Sending the same payment twice cannot pay twice; Fynex treats it as the same payment.

If a supplier says the payment never arrived, [this checklist](/blog/supplier-says-payment-never-arrived/) usually finds it in minutes.

## How does the run show up in QuickBooks?

Each payment posts to QuickBooks as its own matched entry: payee, invoice and job. It does not arrive as one bank line for the whole run that someone has to break apart.

That changes what you know and when. Because each sub and supplier cost posts to its job as it is paid, you see [job costing](/glossary/job-costing/) as the job runs, not at close-out. The owner question — "what did that kitchen repaint actually make?" — has an answer while the crew is still on site. More on doing this without enterprise software in [job costing without enterprise software](/blog/job-costing-without-enterprise-software/). Run the business, not the books.

## Where to go next

- **Fynex for home services:** [know the profit on every job](/home-services/).
- **The payment side:** what [Payouts](/features/payouts/) does across rails and schedules.
- **For your developer:** the [payees](https://docs.fynex.ai/payments-api/v1/docs/payees) and [payouts](https://docs.fynex.ai/payments-api/v1/docs/payouts) guides in the Fynex docs.
- **Related guides:** [how to automate accounts payable in QuickBooks](/blog/automate-accounts-payable-in-quickbooks/) and [how to settle carriers in one payment run](/blog/settle-carriers-in-one-run/).
- **Cost:** see [Fynex pricing](/pricing/).