You run your projects.
Petl runs the payments and compliance.
For businesses that run on contractors. AI raises the invoices, sends the payouts, then syncs them for your accountant. Nothing moves without your approval. Query and action your back-office finances across Claude, ChatGPT, WhatsApp, and Slack.
Claude
ChatGPT
Slack
WhatsApp
Backed by the Visa Accelerator, Baobab Network & Jobtech Alliance
Settles over open banking across 45+ UK banks, with EU coverage across Germany, France, Spain, the Netherlands and Belgium. Plus USDC stablecoin for fast cross-border settlement into LatAm, South Africa, and more. Xero sync coming soon.
Companies that trust us
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Built for how you work
Which one are you?
For agency founders, finance leads, and the contractors they run on
Run your whole payment flow where you already work.
Log work, raise invoices, query your finances, and pay your contractor and agency network from Slack, ChatGPT, or Claude. Cross-border settlement is built in, and everything lands in one dashboard your accountant can read.
Petl PayFor general contractors and the subbies and vendors they pay
Subbies bill from WhatsApp. You approve and pay.
Your subcontractors log work and send bills straight from WhatsApp or Claude. You get one place to review, approve, and pay, with CIS and each subbie's tax calculated for you. No spreadsheets, and no filing on your plate.
Bill from WhatsApp. No app, no login, nothing to install.
Testimonials
What founders, agencies & freelancers say about petl.
The simplicity of the platform is what strikes me. It's so easy to onboard, collaborate, manage and pay other agencies or freelancers.
"Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat."
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"The simplicity of the platform is what strikes me. It's so easy to onboard, collaborate, manage and pay other agencies or freelancers."
"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."
"We've been piloting petl pay and will definitely continue to use the platform. The team is very hands-on and responsive, 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. Keen to see how petl progresses in 2026!"
"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."
"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."
"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 ."
"Just received the payment into my bank account, it literally took 1 min. Really delivered on the promise of "Instant" payments!"
"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!"
USED BY AGENCY, CONTRACTOR, AND SUBCONTRACTOR TEAMS NOW
We remove the admin between work, getting paid, and paying contributors.
Most tools stop at the invoice or the transaction. Petl connects both - so when the work is done and the client pays, every contractor, subcontractor, and freelancer involved gets settled. No manual splits. No reconciliation headache at the end of the month.
Pay anyone, anywhere, however works for them.
Bank transfer, open banking, or stablecoin wallet - Petl routes the payment the right way automatically. Instant bank-to-bank across the UK and EU. Local rails into South Africa and LatAm. USDC for cross-border settlement without the SWIFT delays and fees. Your contractors get paid fast. You don't have to think about how.
Compliance built in. Not bolted on.
Every payment through Petl runs on regulated infrastructure - KYC and KYB verified, with a full audit trail at the project level. CIS deduction, MTD-ready reporting, and cross-border compliance handled. You stay clean without having to think about it.
Work changed. Payments should too.
Projects are won and lost, teams spin up and wrap up, and no two jobs involve the same people. Petl is built for exactly that - a payment workflow that flexes with your team, not one that assumes everyone's on the same payroll.
Know exactly where every project stands, financially.
Every invoice raised, every payment received, every contractor settled - tracked at the project level in one place. No end-of-month reconciliation. No digging through bank statements. Just a clean record of what happened, ready when you need it.
FAQs
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 is a project invoicing and payments platform for teams that work with contractors, subcontractors, freelancers, agencies, and vendors.
It turns billable work into invoices, payment links, contributor allocations, approval-ready pay runs, and payout records. Teams can create projects, raise bills, query finances, and initiate payments from tools like ChatGPT, Claude, Slack, or WhatsApp, while Petl remains the source of truth for every project, invoice, approval, and payment record.
Petl Pay supports multi-party invoicing, Pay by Bank collection, open banking payments, stablecoin settlement where supported, and project-level financial records.
Petl Pay is built for project-based teams that need to manage client billing and contributor payments in one workflow.
This includes agencies, micro-agencies, contractors, subcontractors, freelancers, studios, consultants, and businesses working with flexible teams across multiple currencies or countries.
It is especially useful when one client project involves several contributors, separate bills, different payment preferences, or cross-border settlement.
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.
Petl Pay removes the admin between finishing the work, billing the client, and paying the people involved.
Most tools stop at either the invoice or the payment. Petl connects both. It helps teams consolidate billable work, create client-facing invoices or payment links, prepare contributor allocations, initiate approved payments, and keep every record tied back to the project.
That means fewer spreadsheets, fewer manual payment notes, and less month-end reconciliation.
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.
