Petl Pay features: workflows, invoicing, and payment coordination for flexible teams
Petl Pay connects work approval, invoices, contributor earnings, and settlement instructions in one workflow for agencies, professional services, contractors, and project-based teams working across borders.
What Petl Pay is
Petl Pay is a workflow layer for project-based teams. It helps you structure engagements, track approved work, generate invoices, and coordinate settlement instructions for many contributors across currencies, while keeping a clean record of who earned what and why.
- Work, approval, invoice. Generate invoices from approved time, milestones, and deliverables, with project context attached.
- Multi-party earnings. Link one client invoice to many contributor earnings records using repeatable rules and templates.
- Payments coordination. Create structured payout instructions and track reported settlement status from licensed providers where available.
Who Petl Pay is for
Agencies and studios
- Running retainers and project work with subcontractors, partner studios, and fractional specialists
- Keeping one client-facing invoice while tracking contributor earnings and approvals
- Reducing reconciliation work across invoices, deliverables, and settlement steps
Contractors and project-based operators
- Coordinating subcontractors and suppliers across multiple work packages
- Creating consistent approval chains that translate into invoice-ready records
- Maintaining a shared project record for disputes, audits, and reporting
Networks and collectives
- Revenue share models, referral splits, and repeatable payout patterns
- Distributed teams that need clarity on scope, approvals, and earnings
Full feature list
Projects and workspaces
- Projects with client, scope, contributors, roles, and billing model
- Support for retainers, milestones, and time-based work
- Structured records that keep deliverables, invoices, and earnings linked
Work logging and approvals
- Time entries and deliverable tracking by task, milestone, or work package
- Role-based approvals and timestamped audit logs
- Approval states that feed directly into invoice generation
Automated invoicing
- Invoices generated from approved time, milestones, and deliverables
- Client-facing invoices with consistent project references and line items
- Optional metadata tags such as client IDs, PO refs, and contract refs for reconciliation
Multi-party earnings and split logic
- Record earnings for multiple contributors against one engagement
- Split rules by fixed amount, percentage, or hybrid logic
- Reusable templates for common team structures and commercial models
Global payments coordination
- Generate structured payout instructions for licensed third-party providers
- Capture payout preferences per contributor across bank accounts, provider wallets, and other supported routes
- Track reported settlement updates in the project record where providers support status reporting
- Exportable payout instruction logs for operations and finance review
Stablecoin-related options
- Optional stablecoin-linked settlement routes where third-party providers support them
- Stablecoin and fiat instructions can be coordinated under one project record
- Route availability depends on corridor, jurisdiction, and provider onboarding requirements
Records, reporting, and exports
- Project-level audit trails across approvals, invoices, and settlement instructions
- Exports for reconciliation, reporting, and finance systems
- Margin and cost visibility by project where earnings and expenses are recorded
Speed, fees, and supported currencies
Petl Pay can display estimated settlement times and fee components based on the licensed third-party providers your organisation uses. Exact timing and cost depend on corridor, method, cut-off times, and provider terms.
Supported currencies
- Core fiat. USD, GBP, EUR, ZAR
- Selected LATAM, where supported. ARS, BRL, CLP, COP
- Stablecoins, where enabled by providers. USDC, USDT
Typical settlement behaviour
| Flow type | Example rails | Typical settlement | Notes |
|---|---|---|---|
| Bank-to-bank local, incoming | ACH, SEPA, Faster Payments | Same day to T+1 | Provider cut-offs apply |
| Bank payout, outgoing | Local bank rails by country | Same day to 1 to 2 days | Compliance checks may delay |
| Stablecoin-linked route | Provider on and off-ramps | Minutes on-chain plus off-ramp | Availability varies by jurisdiction |
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Fees and affordability
- Petl Pay can show estimated provider fees and FX components where providers expose them via APIs or statements
- Some corridors can be meaningfully cheaper than ad hoc wires, especially for multi-party projects, because admin and reconciliation overhead drops
- Stablecoin-linked routes can offer different economics in certain corridors, but results vary by provider, network fees, and off-ramp method
Coming soon, faster bank-to-bank payments in the UK and EU
Petl Pay is adding additional bank-to-bank payment options to reduce friction for invoice settlement and payouts in the UK and EU. Specific rails and availability will depend on provider integrations and regulatory requirements.
- UK. Faster bank-to-bank flows for invoice payments and payouts, provider-dependent
- EU. SEPA and faster settlement options including instant-capable routes where supported
- Goal. Clearer settlement status inside the project record, fewer exceptions, and less manual follow-up
Feature pages
- Automated invoicing
- Smart workflows and split payments
- Global payments coordination
- Stablecoin wallets and payments
Workflow, from work to invoice to settlement
STEP 01Define the project
Create a project and define contributors, roles, and commercial terms.
STEP 02Record work
Record time, milestones, or deliverables against the project.
STEP 03Approve
Approve work using role-based workflows.
STEP 04Invoice and link earnings
Generate the client invoice and link contributor earnings records.
STEP 05Generate instructions
Confirm payout preferences and generate settlement instructions.
STEP 06Submit and track
Submit instructions to licensed third-party providers for execution and track reported settlement outcomes in the project record where available.
Frequently asked questions
Does Petl Pay hold funds or execute payments?
No. Petl Pay is non-custodial and does not execute payments. Payment execution, custody where applicable, and settlement are handled by licensed third-party providers, or occur directly between users and such providers.
What currencies does Petl Pay support?
Currency options depend on your chosen third-party providers and corridor configuration. Petl Pay is typically configured around USD, GBP, EUR, and ZAR, with selected LATAM currencies and optional stablecoin-linked routes where providers support them.
How fast are payments?
Timing depends on corridor, provider, cut-off times, and onboarding status. Petl Pay can display estimated and reported status updates where available, but settlement is performed by third-party providers.
Can one invoice be linked to many contributors?
Yes. Petl Pay supports multi-party earnings records and split logic so teams can keep one client-facing invoice while maintaining clear contributor-level records.
Financial infrastructure for doing business in chat.
Petl Pay is the middleware between project finance and the AI your contractors and 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.
