Your Money. Your Control. Complete Protection.
All funds are securely held by Paynetics, an FCA-regulated Electronic Money Institution, through our trusted partner Weavr. We never touch your money.
How Your Money Stays Safe
Secure Deposit
Your funds go directly to Paynetics' FCA-regulated accounts - completely separate from our business.
You Control
Track everything in real-time. Only you can authorise payments to your builder.
Safe Release
Work completed to your satisfaction? Release funds. Not happy? Your money stays protected.
Why Constructly?
Traditional construction payments put homeowners at risk. Constructly changes that by giving you complete control over your money while ensuring builders get paid fairly for completed work. It's like having a trusted referee holding your money until both sides are happy.
App Screenshots
Complete Protection Features
Named Project Wallets
"Escrow Wallet for Your Kitchen Extension" - see exactly where your money is held and feel in complete control.
Real-Time Fund Tracking
View your funds, project milestones, and payment status anytime. Complete transparency from start to finish.
Auto-Release Protection
Optional auto-release after X days unless you raise a concern. You set the timeline, you stay in control.
Milestone-Based Payments
Start with just 10% to secure your builder. Release more only when each stage is completed to your satisfaction.
Verified Builders
Browse builder ratings, reviews, and completed projects. Work with professionals you can trust.
Money-Back Guarantee
If your builder never starts work, get your deposit back. Your money is protected every step of the way.
Legal Protection & Guarantees
Your Rights Are Protected
When you deposit funds, you agree that they will be securely held by Paynetics until you approve release. If there's a dispute, your funds remain protected. This isn't just a promise - it's legally backed by:
- FCA Electronic Money Institution licensing - Paynetics is fully regulated
- Safeguarded account segregation - your money can't be touched by anyone else
- FCA supervision - continuous regulatory oversight for your protection
- Mini escrow agreement - clear legal terms that protect your interests
Regulatory Information
Paynetics UK is an Electronic Money Institution regulated by the Financial Conduct Authority (FCA reference: 942777). Our technology partner Weavr provides the secure embedded finance platform.
Hundreds of platforms trust Weavr's embedded finance solutions. Your funds are held in the same secure infrastructure used by major financial technology companies across Europe.
Trust FAQ
Where exactly is my money held?
Your funds are held by Paynetics, an FCA-regulated Electronic Money Institution, in segregated safeguarded accounts at designated banks. These accounts are separate from our business funds and cannot be touched by anyone except you.
Do you ever handle my money?
No, never. We never touch your money. When you deposit funds, they go directly to Paynetics' secure safeguarded accounts through Weavr's embedded finance platform. We simply help you control when those funds are released to your builder.
What if my builder disappears or doesn't start work?
Your money stays completely safe. If a builder never starts work, you can request a full refund. If there are disputes, your funds remain protected in the safeguarded accounts until resolved.
How do I know this is legitimate?
Paynetics is regulated by the UK's Financial Conduct Authority (FCA reference: 942777) and operates like a bank for safeguarding. Weavr is a leading embedded finance platform trusted by hundreds of digital businesses. You can verify their regulatory status through official FCA databases.
Can I see my funds at any time?
Yes! You can check your escrow balance, project status, and transaction history 24/7 through our app. Complete transparency, complete control.
Ready to Build with Complete Peace of Mind?
Join thousands of homeowners who've secured their construction projects with Constructly's protected payment system.
Coming soon to the App Store and Google Play.
💰 100% Money-Back Guarantee if your builder never starts work