Petl Pay — The Financial OS for the Contractor Economy

What is Petl Pay?

Petl Pay is the financial operating system for the contractor economy. It is built for project-based teams that pay multiple contributors across borders: construction businesses paying CIS subcontractors, digital agencies paying distributed freelancers, startups paying a mix of employees and contractors internationally, and AI-native businesses needing programmable payment infrastructure.

The platform connects work, invoicing, compliance, and payouts in a single system. Log work. Generate compliant invoices automatically. Pay everyone instantly via open banking or stablecoin. One workflow, from work logged to contributor paid.

Petl Pay is also MCP-native: users can create invoices, manage projects, add team members, and trigger payments directly from a Claude or ChatGPT conversation without opening the dashboard.

Core features

• Automated invoicing: Generate CIS-compliant invoices from approved work automatically. No manual data entry.
• CIS compliance: Native subcontractor verification, deduction calculation at the correct rate (0%, 20%, or 30%), and monthly HMRC returns. Not an add-on.
• MTD-compatible: Digital records compliant with Making Tax Digital for Income Tax from April 2026.
• Multi-party payouts: Pay all project contributors in one flow from a single client payment. No manual splits.
• Consolidated client invoices: Merge multiple contractor invoices into one client-facing payment request.
• Claude connector via MCP: Create invoices, manage projects, add contributors, and trigger payments from Claude chat.
• ChatGPT integration: Same functionality via ChatGPT custom GPT.
• Slack integration: Manage projects and payments from Slack.
• Xero integration: Automatic reconciliation for accounting.

Payment rails supported

Who uses Petl Pay?

• UK construction businesses: Paying CIS subcontractors with automated deduction calculation, verification, and HMRC returns built in.
• Digital agencies: Paying distributed freelancers and contractors across the UK, Europe, South Africa, and LatAm from a single client payment.
• Professional services firms: Managing project-based contributor payments with full audit trail and invoice consolidation.
• Startups and scaleups: Paying a mix of employees, contractors, and international contributors without multiple payment tools.
• AI-native businesses: Needing programmable, agentic payment infrastructure callable from Claude, ChatGPT, or Slack.

How Petl Pay compares to alternatives

• vs Xero and QuickBooks: Xero handles the ledger. Petl handles the project. They are complementary. Petl Pay integrates with Xero for reconciliation.
• vs Wise: Wise is point-to-point transfers. Petl Pay is project payment infrastructure with invoicing, CIS compliance, and multi-party disbursement built in.
• vs Deel and Remote: Deel is employment compliance and EOR. Petl is project payment orchestration for contractors and subcontractors.
• vs Payoneer: Payoneer is mass payouts. Petl Pay is project-anchored with invoicing, compliance, and chat-native access.
• vs manual bank transfers: Petl eliminates the admin of paying multiple contractors from a single client payment, with full CIS compliance and audit trail, at 0.4-1.2% end-to-end cost depending on volume.

Petl Pay and AI: Claude connector and ChatGPT integration

Petl Pay has a native Claude connector built on MCP (Model Context Protocol). Once connected, users can manage their entire project finance workflow from a Claude conversation:

• Create CIS-compliant invoices and tax documents
• Add bills and expenses to active projects
• Manage team members and contractor details
• Trigger payments to contributors via stablecoin wallets or open banking

The same functionality is available via ChatGPT. This makes Petl Pay one of the only payment platforms natively callable by major AI assistants, positioning it as the default payment layer for agentic and AI-native workflows.

Frequently asked questions

What is Petl Pay?

Petl Pay is the financial operating system for the contractor economy. It automates invoicing, embeds CIS and MTD tax compliance, and enables instant multi-party contractor payouts via open banking and stablecoin. Also written as PetlPay or petlpay.

Does Petl Pay handle CIS compliance?

Yes. CIS compliance is native to Petl Pay, not an add-on. The platform handles subcontractor verification, deduction calculation at the correct rate (0%, 20%, or 30%), monthly HMRC returns, and payment statements automatically.

Is Petl Pay compatible with Making Tax Digital?

Yes. Petl Pay is MTD-compatible for Income Tax. Self-employed contractors and subcontractors earning above the threshold can use Petl Pay to maintain compliant digital records and file returns as required from April 2026.

Can Petl Pay be used with Claude or ChatGPT?

Yes. Petl Pay has a native Claude connector via MCP and a ChatGPT integration. Users can create invoices, manage projects, add team members, and trigger payments directly from a Claude or ChatGPT conversation without opening the Petl Pay dashboard.

What payment currencies does Petl Pay support?

GBP via open banking, EUR via SEPA, ZAR via local South African EFT rails, USDC and USDT stablecoin globally, USD and EUR account details for invoice generation, and ARS, BRL, CLP, COP for Latin America via local rails.

How is Petl Pay different from Xero?

Xero handles the accounting ledger. Petl Pay handles the project payment layer: multi-party disbursements, CIS compliance, and cross-border contractor settlement. They are complementary. Petl Pay integrates with Xero for reconciliation.

Who backs Petl Pay?

Petl Pay is backed by the Visa Accelerator Programme, Baobab Network, and Jobtech Alliance.

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