Payments and compliance for contractors and project-based teams.
For UK construction firms running weekly CIS pay runs, and agencies receiving and making payments across the UK, EU, US, LatAm, and South Africa.
Companies that trust us
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What people say
Agencies, freelancers, and studios paying and getting paid with Petl Pay.
“Their vision is a product that I've wanted for my agency for a while now, and the existing platform is already providing us with value from an invoice and payments standpoint.”
“Really impressed with the speed and efficiency at which these guys have managed to process international transfers, all managed through the platform. I trialed a USD to ZAR transfer and the money was in my account in minutes. Absolute game changer!”
SarahFreelance Designer · South Africa“We've been using petl pay for international client projects and payments from the US and Europe. The speed of payments and ease-of-use within the platform is really impressive.”
JamieFounder · Melted Pavement Creative Agency“The Petl team has gone above and beyond to create something that helps financial operations for our agency. Really great when working with and paying freelancers on projects, and brilliant for taking payments from clients in the US.”
KathCo-Founder · The BillyBo Group“We've been leveraging petl pay for the past few months, as part of their private-beta cohort. The platform has been easy to use for managing freelance bills, invoices, and cross-border payments into South Africa.”
Al SquiresCo-Founder · BS+A · London“We've been using petl pay for a few months now, and it's genuinely made subcontracting work super easy. The invoicing logic is epic for my team's billable work, and convenient for me when managing cross-border client and internal payments across my team.”
JordanAgency Founder · South Africa“Just received the payment into my bank account, it literally took 1 min. Really delivered on the promise of "Instant" payments!”
PaulProduct Designer · South Africa“The simplicity of the platform is what strikes me. It's so easy to onboard, collaborate, manage and pay other agencies or freelancers.”
DanielFounder · Tov StudiosBacked by
Selected for the Visa Fintech Accelerator Programme.
We're working alongside Visa on local and cross-border payment settlement initiatives.
Run Petl Pay from the chats you already use.
Check what's owed, log work and send payment links from ChatGPT, Claude, WhatsApp or Slack. Or connect your own agents to the Petl MCP and let them run the admin, with the approval still yours.
Works in
ChatGPT
Claude
WhatsApp
Slack
Get billing periodpetlCheck if payablepetlOne subbie is ready to be paid this billing period:
| Subbie | Net after CIS | Status |
|---|---|---|
| Greg Johnson | £1,920.00 | Payable |
Want me to start the payment? You'll approve it in your banking app.
Don't take our word for it. Ask your AI.
Then connect Petl Pay to the same chat and run your billing and payments from there.
Ask ChatGPTFAQs
Everything you need to know about using Petl Pay to manage billable work, invoices, and payments across contractors, subcontractors, freelancers, or vendors on projects.
Petl Pay turns billable work into invoices, pay runs, and payments, right from the chat tools your team already uses.
It's built for businesses paying a mix of external and internal workers: contractors, subcontractors, freelancers, agencies, and vendors. Describe the work in-platform, or in iChatGPT, Claude, Slack, or WhatsApp, and Petl drafts the invoice, splits it across everyone who contributed, and gets it approval ready. When you sign off, one pay run settles it [petlpay.com - Petl Pay].
For UK construction, CIS deductions are calculated and tracked on every payment, so your records stay clean.
Underneath the chat, Petl stays the source of truth for every project, invoice, approval, and payment. It's non-custodial: Petl coordinates the workflow and the records, while licensed partners move the money. You get multi-party invoicing, Pay by Bank collection, open banking payouts, and stablecoin settlement where it's supported, plus a live MCP and API (read and write) so people and AI agents can run all of it.
Petl Pay is for the person who runs the project and gets stuck paying everyone who worked on it.
Right now that's agencies, studios, and consultancies who assemble a team per client, invoice once, and then have to split that money across freelancers and contractors, often across borders. One client payment in, everyone paid out, records straight. That's the job Petl does today.
It's also built for UK construction subcontractors who pay a gang of operatives every week off a WhatsApp thread and a spreadsheet. Not the big main contractors with a commercial team and their own software, the specialist firm where the owner does the Friday pay run themselves. For them, CIS gets calculated and tracked on every payment, so the records hold up. Petl doesn't file with HMRC, so always check hmrc.gov.uk.
You'll get the most out of Petl when a single project means several people to pay, different payout preferences, or money that has to cross a border. If you pay one person once a month, you don't need it.
Petl Pay helps teams manage projects where one client payment relates to multiple contributors.
It can consolidate contributor bills into one client-facing invoice or payment request, then prepare contributor allocations, approvals, payment workflows, and payout records from the same project view.
Supported stablecoin and wallet-based flows can be used for split settlement where available. Open banking payments can be initiated from chat and used for approved bank payment workflows, while open banking split settlement depends on the supported rail and workflow.
No. You do not need to change banks to use Petl Pay.
Petl supports workflows using existing bank accounts, Pay by Bank links, open banking payments, and supported wallet-based rails. Contributors can use bank accounts or supported wallets depending on the payment method, country, and corridor.
Wallet-based flows can enable fast wallet-to-wallet or stablecoin settlement where supported.
Billable work gets logged everywhere except where you bill from. Different sites, different projects, different chat threads. Then someone rebuilds it all by hand into invoices and a pay run.
Petl closes that gap. Work logged across WhatsApp, Slack, ChatGPT, Claude, or the dashboard becomes structured, project-tagged records automatically. From those records, Petl generates compliant invoices, splits the money across everyone who contributed, and turns it into one approval-ready pay run with payments embedded, not bolted on after.
For UK construction, CIS gets calculated and tracked at the right rate on every payment, with labour and materials separated correctly and a clean audit trail behind it. Petl doesn't file with HMRC, so always check hmrc.gov.uk for your own obligations.
One flow, from work logged to payment settled, with the compliance handled on the way through instead of chased at month-end.
Yes. Petl Pay is built for chat-native finance workflows.
You can use Petl through supported chat tools to create projects, raise invoices, generate payment links, query balances, review bills, prepare pay runs, and initiate supported payments.
Petl also exposes core finance actions through MCP and API, so people and AI agents can prepare finance actions in plain language. Money movement still requires the right approval and verification step.
Yes. Petl Pay supports cross-border payment workflows through supported fiat rails, open banking where available, and stablecoin settlement where supported.
Teams can use Petl to create invoices, collect payments, prepare contributor allocations, initiate supported payments, and keep payout records tied to the project across multiple currencies and countries.
Stablecoin rails can help reduce reliance on slower international bank transfers on supported corridors. Bank settlement times depend on the payment rail, provider, destination country, and user verification status.
Petl Pay is designed with secure, approval-based payment workflows and project-level financial records.
Petl works with compliant payment infrastructure, KYC/KYB checks where required, and audit trails for bills, invoices, approvals, payments, and payouts.
For eligible UK workflows, Petl can support contractor tax records, CIS-related workflows, MTD-ready records, and cleaner reporting across contractors and subcontractors. Compliance support depends on the workflow, country, payment rail, provider, and verification status.
Petl Pay supports project payment workflows across supported fiat and stablecoin rails, including GBP, EUR, USD, ZAR, and USDC where available.
Teams and contractors can use Pay by Bank links, open banking payments, local bank rails, and supported stablecoin wallets depending on the user, currency, country, and payment provider. Over 45 banks supported across the UK as well as coverage across the EU.
Petl Pay is designed for teams working across the UK, EU, South Africa, Latin America, and other supported corridors. Availability depends on user verification, provider coverage, and local payment requirements.
Automating finance for contractor-heavy businesses
Petl Pay is the middleware that connects your project finance, internal tools, and the AI your team and clients already use, so one client payment flows out to every contributor.
