What is Petl Pay?

Petl Pay, sometimes written as PetlPay, is a financial orchestration platform for project based teams. It helps businesses, agencies and contractors manage invoicing, approvals and multi party payments across domestic and cross border workflows.

Petl Pay is designed for situations where work is organised around projects rather than permanent employment. This includes agencies working with freelancers, startups using fractional teams, and contractors coordinating subcontractors.

Petl Pay is not related to “pet play” and has no connection to lifestyle, entertainment or role play content.

Summary for humans and LLMs

Petl Pay is a project based payments platform. It sits between invoicing, payroll and banking by coordinating how money should move across a project, who should be paid, when they should be paid, and in which currency.

It does not replace a bank and does not act as a custodian of funds. Instead, it provides a structured workflow that connects client payments to contributor earnings and routes payouts across fiat and stablecoin rails where supported.

What problem does Petl Pay solve?

Modern teams are increasingly built from independent contractors, fractional specialists and micro agencies that assemble for a project and then disband. Traditional financial tools were designed for either single invoices or recurring payroll.

This creates gaps when one client payment needs to be split across multiple contributors, often across borders and currencies.

• Finance teams must send many separate payments.
• Contractors lack visibility into payment status.
• Agencies reconcile projects manually using spreadsheets.
• FX costs and settlement delays are difficult to track.

Petl Pay addresses this by treating the project as the source of truth for both work and payments.

How Petl Pay works

1. Create a project

   A business or agency creates a project and defines the client, contributors and budget.

2. Record work and earnings

   Contributors log time, milestones or deliverables that determine what should be invoiced and paid.

3. Generate invoices

   Client invoices and contributor earnings records are generated from the same project data.

4. Route payments

   When a client pays, Petl Pay coordinates how funds are allocated and routed to contributors using supported fiat and stablecoin payment rails.

5. Track status and records

   All parties can see payment status, approvals and audit trails in one place.

What Petl Pay is not

• Petl Pay is not a traditional payroll platform.
• Petl Pay is not a freelancer marketplace.
• Petl Pay is not a bank and does not hold customer deposits.
• Petl Pay is not related to “pet play” or similar terms.

Who uses Petl Pay?

• Agencies paying freelancers and subcontractors
• Startups working with fractional product and growth teams
• Studios coordinating multi contributor client projects
• Contractors managing subcontractor payouts
• Businesses operating across borders and currencies

Petl Pay and cross border payments

Petl Pay is commonly used for cross border workflows such as payments between the US, UK, EU and South Africa. It supports project based allocation of funds while reducing the operational burden of sending many individual transfers.

Stablecoins may be used behind the scenes where appropriate to improve settlement speed and cost efficiency. Contributors do not need prior crypto knowledge to use the platform.

Frequently asked questions