Petl Pay features: workflows, invoicing, and payment coordination for flexible teams

1. What is Petl Pay

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.

2. Who Petl Pay is for

2.1 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.

2.2 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.

2.3 Networks and collectives

• Revenue share models, referral splits, and repeatable payout patterns.
• Distributed teams that need clarity on scope, approvals, and earnings.

3. Full feature list

3.1 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.

3.2 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.

3.3 Automated invoicing

• Invoices generated from approved time, milestones, and deliverables.
• Client-facing invoices with consistent project references and line items.
• Optional metadata tags (client IDs, PO refs, contract refs) for reconciliation.

3.4 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.

3.5 Global payments coordination

• Generate structured payout instructions for licensed third-party providers.
• Capture payout preferences per contributor (bank account, provider wallet, 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.

3.6 Stablecoin-related options (where enabled)

• 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.

3.7 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.

4. Payments 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.

4.1 Supported currencies (typical)

Supported options vary by provider, but Petl Pay is typically configured around a set of core fiat currencies and optional stablecoins.

• Core fiat: USD, GBP, EUR, ZAR
• Selected LATAM (where supported): ARS, BRL, CLP, COP
• Stablecoins (where enabled by providers): USDC, USDT

4.2 Typical settlement behaviour (illustrative)

4.3 Fees and affordability (how to describe safely)

• 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 traditional ad hoc wires, especially for multi-party projects, because admin and reconciliation overhead drops.
• Stablecoin-linked routes (where enabled) can offer different economics in certain corridors, but results vary by provider, network fees, and off-ramp method.

5. 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 by providers and banks).
• Goal: clearer settlement status inside the project record, fewer exceptions, and less manual follow-up.

6. Feature pages

• Automated invoicing
• Smart workflows and split payments
• Global payments coordination
• Stablecoin wallets and payments

7. Workflow: from work to invoice to settlement instruction

1. Create a project and define contributors, roles, and commercial terms.
2. Record time, milestones, or deliverables against the project.
3. Approve work using role-based workflows.
4. Generate the client invoice and link contributor earnings records.
5. Confirm payout preferences and generate settlement instructions.
6. Submit instructions to licensed third-party providers for execution.
7. Track reported settlement outcomes in the project record where available.

8. 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.

9. Next steps

Teams typically start with a single project template and expand as they standardise approvals, invoices, and payout instructions.