- Create projects and invite contributors
- Automate invoices from logged work across currencies
- Download and share invoices with clients
- No active payees, embedded payment links, wallets, or payouts
- Everything in Free, plus:
- Up to 3 active payees
- Embedded payment buttons on invoices
- Multi-currency account details (USD, EUR)
- Embedded wallets to receive, hold, and pay contributors
- Fast cross-border settlement
- Everything in Solo, plus:
- Up to 20 active payees
- Multi-party payment distribution
- Audit trails, reporting, and reconciliation
- Accounting and compliance-ready workflows
- Volume-based pricing options
- Custom payee volumes and routing logic
- Advanced reporting and controls
- Dedicated onboarding and support
Network scale
| Feature | Free | Solo | Business | Enterprise |
|---|---|---|---|---|
| Active payees (rolling 30 days) | 0 | Up to 3 | Up to 20 | 20+ (Custom) |
Platform and workflow
| Feature | Free | Solo | Business | Enterprise |
|---|---|---|---|---|
| Projects and contributors | Unlimited | Unlimited | Unlimited | Unlimited |
| Invoices and billing automation | Unlimited | Unlimited | Unlimited | Unlimited |
| Client-facing project invoice (merged contributor bills) | — | Yes | Yes | Yes |
| Payment tracking and audit history | — | Yes | Yes | Yes |
| Priority support | — | — | Yes | Yes |
| API & MCP access (Claude, ChatGPT, your backend) | — | By request | Yes | Yes |
Payments and distribution
| Feature | Free | Solo | Business | Enterprise |
|---|---|---|---|---|
| USD / EUR account details for client payments | — | Yes | Yes | Yes |
| UK/EU bank-to-bank pay-ins (Open Banking) | — | Yes | Yes | Yes |
| Embedded wallets for contributors (USDC) | — | Unlimited | Unlimited | Unlimited |
| Multi-party fiat and stablecoin payouts | — | Yes | Yes | Yes |
Enterprise capabilities
| Capability | Free | Solo | Business | Enterprise |
|---|---|---|---|---|
| White-label workforce dashboard | — | — | — | Yes |
| Dedicated onboarding and support | — | — | — | Yes |
| Custom commercial terms | — | — | — | Yes |
Why teams switch to Petl
Most project-based businesses assemble their payment workflows across multiple disconnected tools. Each tool solves a narrow problem, but together they introduce manual reconciliation, delays, duplicated data, and operational risk.
Petl pay replaces this fragmented stack with a single project-led workflow, where invoicing, payments, and payouts are coordinated end to end using embedded bank and stablecoin rails.
| Typical project-based stack | With petl pay | |
|---|---|---|
| Tools required | Project management tool Time tracking tool Invoicing platform Domestic bank account Cross-border payment provider Spreadsheets for reconciliation | One coordinated platform |
| Monthly software cost | $250–$400+ | From $10 or $149 |
| Time to prepare client invoices | Hours to days | Minutes |
| Payment distribution | Manual or CSV uploads | Built-in multi-party payouts |
| Settlement speed | 2–5 business days | Near-instant |
Petl pay doesn’t replace your bank. It replaces the glue work around payments. By embedding best-in-class banking and stablecoin infrastructure directly into project workflows, teams spend less time moving money and more time delivering work.
Frequently asked questions
Payments & Rail Pricing
Subscription plans are billed in USD. Per-transaction costs are charged at the local rail level: UK and EU bank-to-bank payments are £0.30 + 0.5% per transaction. Stablecoin settlements typically incur an approximate 0.5 to 1% cross-border off-ramp fee when converting back to local fiat, with no FX markup where currencies are pegged to USD or EUR. Settlement occurs near-instantly on blockchain rails, avoiding traditional SWIFT and intermediary banking fees. Enterprise customers benefit from custom volume-based pricing.
Petl Pay passes through underlying rail and partner costs without markup on Solo and Business plans.
API & MCP access
The Petl Pay API and MCP server are live. People and AI agents can create invoices, run multi-party payouts, generate payment links, and query projects, from your own product or from inside Claude and ChatGPT.
API and MCP access is included on Business and Enterprise plans, and available to Solo plans by request. Tell us what you want to build at petlpay.com/enquiry.
Contracts & Billing
Solo and Business plans are offered on rolling monthly agreements.
Annual billing discounts may be available.
Enterprise plans operate on custom commercial terms, based on usage, volume, and workflow complexity.
Fair Use Policy
To maintain platform performance and reliability, fair use limits apply to payment transaction volumes on standard plans.
Businesses operating high-volume, multi-party, or marketplace-style payment flows may require Enterprise pricing.
Petl Pay will engage proactively with customers before any commercial adjustments are required.
Compliance & Security
Petl Pay is non-custodial and does not hold or control client funds. The platform operates using regulated payment, banking, and settlement partners.
Petl Pay does not store:
- Payment card numbers
- Bank login credentials
- Private wallet keys
- Government-issued identity documents
For more information on our payment fees, rates and settlement times, please visit our dedicated page here.
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.
