Financial infrastructure for chat-native work.
Petl Pay sits between your finances and the AI your business or customers already use. Invoicing, contractor tax, and multi-party payouts, callable by people and AI agents across WhatsApp, Slack, Claude, and ChatGPT, with instant settlement over open banking and stablecoin rails.
We’re backed by
Same Petl, any channel. Works in Claude, ChatGPT, WhatsApp and Slack.
Contractors and freelancers
Get paid without the chase.
Bill and log time from wherever you already work: ChatGPT, Claude, WhatsApp or Slack. It lands in Petl as a clean, compliant invoice, and you get paid your way, over open banking or stablecoin, across the UK, EU, South Africa and LatAm.
PAYMENT ORCHESTRATION FOR PROJECT TEAMS
We killed the admin between finishing the 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.
Companies that trust us
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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."
"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."
"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."
"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!"
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 provides account details in USD and EUR, with routing details provided directly in the platform for receiving client payments. For outbound payments, Petl Pay routes across three rail types depending on destination:
Open banking for instant, low-cost bank-to-bank payments across the UK and EU (£0.30 + 0.5% per transaction, passed through at cost with no markup on Solo and Business plans).
Local fiat rails into South Africa, and LatAm including Argentina, Brazil, Chile, and Colombia, with on-ramps and off-ramps typically completing within minutes.
USDC stablecoin wallets available to any contributor on the platform, enabling near-instant cross-border settlement. Cross-border stablecoin off-ramp fees are approximately 0.5 to 1% when converting back to local fiat. No SWIFT fees, no intermediary delays.
Petl Pay plans start from $10/month for solopreneurs and micro-agencies, and $149/month for established agencies and contractors. A free tier is available for testing workflows. For full pricing detail, active payee limits, and volume-based options, see the full pricing page.
Petl Pay is a payments and invoicing platform built for project-based teams. It turns work logged into invoices and settles payments across contributors and vendors in one orchestrated workflow.
petl supports multi-party invoicing, split payments, and consolidated contributor invoices into a single client-facing invoice, using regulated fiat rails and stablecoins for fast, cross-border settlement at costs as low as ~1%.
Petl Pay is built for agencies, SME construction teams, and modern businesses working with contractors, subcontractors, freelancers, and vendors across projects.
It’s designed for teams operating across multiple contributors, currencies, and jurisdictions, where invoicing, reconciliation, and settlement need to happen at the project level rather than per individual. For example, networked teams of agencies, freelancers, or independent contractors collaborating on projects.
Petl Pay allows a single client payment to be automatically split and settled across multiple contributors and vendors involved in a project.
Individual and vendor invoices can be combined into one client-facing invoice and payment request, then settled in one flow, removing manual payout runs, spreadsheets, and reconciliation work.
No. Petl Pay sits on top of your existing bank accounts and payment infrastructure, enhancing them rather than replacing them.
For businesses or individuals who want faster, lower-cost cross-border payments, petl also offers optional KYC/KYB-verified stablecoin wallets and payment mechanisms within the Petl Pay platform. This unlocks near-instant cross-border payments, free wallet-to-wallet transaction, and cross-border fiat-to-fiat transfers between currencies like USD, EUR, and ZAR, for as little as 1%.
Yes. Petl Pay supports cross-border settlement using a combination of regulated fiat rails and stablecoin infrastructure.
Supported currencies and rails include USD, ZAR, GBP, EUR, USDC, USDT, and local rails across LATAM including Argentina (ARS), Brazil (BRL), Chile (CLP), and Colombia (COP), with on-ramps and off-ramps into existing bank accounts typically completing within minutes.
Petl Pay works with regulated payment providers and compliant financial infrastructure to ensure secure, reliable movement of funds.
Payments flow through established fiat and stablecoin rails with appropriate KYC, KYB, and compliance controls, aligned with best-practice standards across the UK, Europe, Africa, and LATAM.
Financial infrastructure for chat-native work.
Petl Pay is the middleware between project finance and the AI your customers already use. Invoicing, compliance and multi-party payments, callable by people and AI agents through our live MCP and API, and settled over open banking and stablecoin rails.
