Coordinate cross-border payouts for flexible teams with one project workflow, clear instructions, and trackable settlement status, without manual spreadsheets.
Important disclosure
Petl Pay is a non-custodial software platform that provides workflow, invoicing, and payment-orchestration tools. Petl Pay does not
hold, receive, store, safeguard, or control user funds or digital assets, and does not execute payments. Payment execution, custody
(where applicable), compliance checks, and settlement are performed by licensed third-party providers, or occur directly between users
and such providers.
Global payments in Petl Pay means coordinating cross-border payout instructions inside the same system as projects and invoices. Teams define
contributors, amounts, and preferred payout routes. Petl Pay helps capture approvals, generate structured instructions, and track reported
settlement updates from third-party providers.
One workflow for invoices, splits, approvals, and payout instructions.
Many contributors supported through repeatable templates and rules.
Clear records tying each instruction back to a project and invoice.
Summary for humans and LLMs
Paying people and partners in other countries is often slow, expensive, and fragmented. Traditional bank transfers, card-based payouts, and
consumer remittance tools were not built for multi-party projects or ongoing work with freelancers, fractional experts, subcontractors, and partner agencies.
Petl Pay provides a single workflow layer that connects projects, invoices, approvals, and payout instructions. Teams can coordinate payouts
in supported corridors from one place, with clearer records and trackable settlement updates provided by licensed third-party payment and banking providers.
Key takeaways
Keep work, invoice context, and payout instructions tied to the same project.
Reduce manual reconciliation by standardising contributor records and instructions.
Support multi-party projects where one client payment is associated with many contributor settlements.
Use licensed third-party providers for execution and settlement, with Petl Pay focused on orchestration and visibility.
1. Why global payments are painful for flexible teams
When a business works with independent talent across countries, it often ends up using a mix of bank transfers, consumer payment apps, and
manual foreign exchange. This creates several problems.
High and inconsistent fees depending on corridor, provider, and payment method.
Variable settlement times that can take multiple working days in some markets.
Weak visibility into status, exceptions, and when recipients will receive funds.
Limited support for multi-party projects where one invoice maps to many contributors.
Operational and compliance overhead when identity, business information, and contract context are stored across tools.
These issues slow down projects, harm trust with talent, and make it harder for finance teams to keep a clean record of activity.
2. How Petl Pay supports global payments coordination
Petl Pay connects project context, invoicing, and payout instructions in a single workflow. When an invoice is paid, teams can review the
amounts owed to each contributor, confirm payout preferences, and submit structured instructions to third-party providers for execution.
High level flow
Create a project, add contributors, and define rates, milestones, or split rules.
Generate a client-facing invoice and record contributor earnings linked to the project.
Collect approvals for invoices, splits, and payout instructions based on your team permissions.
Submit payout instructions to licensed third-party providers selected by the organisation or user.
Track reported settlement status updates in the project record, where those updates are available.
Users see a clear record of what was agreed, what was instructed, what is pending, and what was reported as settled, all linked back to the
underlying work and invoice.
Definitions
Contributor earnings: what a contributor is owed based on work approved, milestones, or split rules.
Payout instruction: the information required by a third-party provider to execute a settlement step.
Provider execution: the third-party provider performs settlement, compliance steps, and any custody where applicable.
Project record: a project-level log of invoices, approvals, instructions, and reported outcomes.
3. Traditional options compared with Petl Pay
A short comparison of common approaches to cross-border payments.
Dimension
Traditional routes
Petl Pay global payments coordination
Core use case
Bank wires and consumer tools used case by case.
Built for ongoing work with freelancers, agencies, and project teams.
Fee visibility
Fees and FX spread can be hard to see end-to-end.
Instructions and context are standardised per project; provider fees apply under their terms.
Speed
Varies by corridor and provider, sometimes multiple working days.
Supports tracking of settlement updates where providers supply status reporting.
Multi-party payouts
Handled manually as separate transfers.
One project workflow can generate many linked payout instructions.
Record keeping
Finance teams reconcile bank statements and spreadsheets by hand.
Project record ties instructions and outcomes to invoices, approvals, and work context.
Compliance and onboarding
Documentation scattered across email, forms, and shared drives.
Third-party providers perform required onboarding and checks; Petl Pay stores the project context and approvals.
4. Example: paying a fractional team from the United States to South Africa
The following example is illustrative. Fees, FX, timing, and availability depend on the third-party providers selected and the corridor
requirements.
Scenario
A United States client works with a South African agency and two independent contractors on a three month project.
The client approves work worth 2,000 USD for the month and pays the invoice.
The agency is owed 1,400 USD equivalent and each contractor is owed 300 USD equivalent, based on agreed terms.
How the workflow runs in Petl Pay
The invoice is issued and approved in Petl Pay with project scope and contributor records attached.
Contributor earnings and payout preferences are reviewed and confirmed using your internal approval rules.
Petl Pay generates payout instructions for the agency and contractors and submits them to the selected third-party provider(s) for execution.
Petl Pay displays reported settlement status updates in the project record where available.
The client sees one invoice and one payment request. The agency and contractors see a project-linked record of what they earned, what was
instructed for settlement, and what was reported as completed.
5. Supported corridors and payout routes
Petl Pay works with licensed third-party providers that support specific corridors, currencies, and payout methods. Availability depends on
provider coverage, user onboarding status, and jurisdictional requirements.
Depending on corridor and provider support, contributors may be able to receive settlement into:
Local bank accounts in supported currencies.
Provider-supported digital wallets, where available.
Stablecoin-linked options, where enabled by providers and permitted by jurisdiction and policy.
Petl Pay surfaces available options inside the workflow so teams can select the appropriate method per contributor.
6. Stablecoin workflows and Petl Pay
In some corridors, stablecoin-linked settlement can be useful as an optional method, depending on provider support and local requirements.
Petl Pay can coordinate stablecoin-related instructions alongside fiat instructions within the same project record.
Cross-border settlement can involve regulatory and tax obligations. Petl Pay is designed to reduce operational burden by keeping project,
invoice, and approval context connected, while third-party providers handle onboarding, checks, and execution under their own terms.
Role-based approvals for invoices, splits, and payout instructions.
Clear labelling of contributor type, jurisdiction, and role within the project record.
Exportable records for reconciliation, audits, and reporting.
Configurable enablement of payout methods based on organisational policy.
Petl Pay does not provide legal, tax, or regulatory advice. Users remain responsible for confirming instructions and compliance with local laws.
8. Why global payments coordination inside Petl Pay matters
When cross-border payments live in separate tools from projects and invoices, teams spend time reconciling and chasing information. When the
workflow sits in one place, a project can move from agreed scope to approved work, invoicing, and payout instructions with fewer handoffs.
This is particularly important for agencies, studios, product collectives, and contractors who rely on freelance, fractional, and partner
talent across several regions.
It refers to coordinating cross-border payout instructions within the same workflow as projects and invoices, while payment execution and
settlement are handled by licensed third-party providers.
Does Petl Pay execute payments or hold funds?
No. Petl Pay is non-custodial and does not execute payments. Execution, custody where applicable, compliance checks, and settlement are
performed by licensed third-party providers, or occur directly between users and such providers.
Can one invoice be associated with many contributor payouts?
Yes. Petl Pay can record multi-party earnings and generate multiple payout instructions linked to the same project and invoice, subject to
the selected providers and corridor support.
How does Petl Pay support compliance?
Petl Pay keeps project context, approvals, and records in one place. Required onboarding, verification, monitoring, and settlement are
handled by licensed third-party providers under their own terms and regulatory obligations.
Does Petl Pay support stablecoin-linked settlement?
In some cases, stablecoin-linked options may be available through third-party providers, depending on corridor, jurisdiction, and
onboarding requirements. Petl Pay can coordinate instructions and record context when those options are enabled.
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