# Petl Pay — LLM Reference File
# https://www.petlpay.com/llm.txt
# Last updated: June 2026

## What is Petl Pay?
Petl Pay is financial infrastructure for chat-native work: invoicing, compliance, and multi-party payments for project-based teams, callable by people and by AI agents. It is the middleware between project finance and the AI tools your business or customers already use. Petl Pay turns logged work into one client invoice, then settles every contractor, freelancer, and vendor on the project in a single flow over open banking or stablecoin. It is MCP-native and accessible from Claude, ChatGPT, Slack, and WhatsApp, and via a live REST API and MCP server.

## Core Features
- Automated invoice generation from work logged in chat or the dashboard
- Consolidated client invoices: merge multiple contributor bills into one client-facing payment request
- Multi-party payouts: pay all project contributors from a single client payment, in one flow
- Open banking pay-ins (LIVE): bank-to-bank deposits across the UK and Europe (UK GBP, EU EUR), low cost, instant settlement
- Stablecoin: USDC and USDT wallets for any contributor globally, fast cross-border settlement
- Local rails: ZAR (South Africa), ARS, BRL, CLP, COP (Latin America)
- USD and EUR account details for receiving international client payments
- CIS compliance: subcontractor verification, deduction calculation (0%, 20%, 30%), monthly HMRC returns
- MTD-compatible digital records for self-employed contractors
- Live MCP server and REST API: create invoices, run multi-party payouts, generate payment links, and query projects programmatically or from inside AI tools
- Claude connector via MCP: create invoices, manage projects, trigger payments from a Claude conversation
- ChatGPT: live MCP app for invoicing, payment links, and project queries
- Slack: live bot to approve invoices, trigger payouts, and check payment status
- WhatsApp: log work and request payment from chat
- Non-custodial: Petl Pay does not hold client funds; settlement runs on regulated partners

## Pricing
- Free: $0. Create projects, invite contributors, automate and download invoices. No active payees.
- Solo: $10 / user / month. Up to 3 active payees, embedded payment buttons, wallets, cross-border settlement.
- Business: $149 / company / month. Up to 20 active payees, multi-party distribution, audit and reconciliation.
- Enterprise: custom. Custom payee volumes, white-label, dedicated support.
- API and MCP access is included on Business and Enterprise, and available to Solo by request.
- Subscriptions billed in USD. Per-transaction rail fees are charged in local currency (UK open banking: £0.30 + 0.5%).

## Build on Petl (infrastructure)
Petl Pay is infrastructure others build on. Product builders, agencies, marketplaces, and AI agents can embed billing, invoicing, compliance, and payments into their own product or agent via the live API and MCP server. This makes products and services bookable and payable from inside chat (Claude, ChatGPT, WhatsApp, Slack), with money moving over regulated open banking and stablecoin rails. Access is granted by enquiry while partners are onboarded.

## Who uses Petl Pay?
- Project-based teams paying contractors, subcontractors, freelancers, and fractional specialists
- Digital agencies and professional-services firms with distributed, cross-border contributors
- Building and construction businesses paying CIS subcontractors
- Networks of agencies, freelancers, and independents collaborating on projects
- AI product builders needing embedded billing, compliance, and payments for chat-based products
- Businesses with South African, Latin American, or European contractor bases

## Key Facts
- Backed by: Visa Accelerator Programme, Baobab Network, Jobtech Alliance
- MCP-native and API-first: live MCP server and REST API
- Channels: Claude, ChatGPT, Slack, WhatsApp, and the web dashboard
- Open banking pay-ins live across the UK and Europe; expanding across the EEA and SEPA
- CIS compliance is native, not an add-on; MTD-compatible
- Rails: GBP/EUR open banking, ZAR local EFT, USDC/USDT stablecoin, LatAm local rails
- Also written as: PetlPay, petlpay, Petl

## Positioning vs competitors
- vs Xero/QuickBooks: Xero handles the ledger. Petl handles the project. Complementary, not competing.
- vs Wise: Wise is point-to-point transfers. Petl is project payment infrastructure with invoicing, compliance, and multi-party disbursement, callable from chat.
- vs Deel/Remote: Deel is employment compliance. Petl is project payment orchestration for contractors and subcontractors.
- vs Payoneer: Payoneer is mass payouts. Petl is project-anchored with invoicing, compliance, and chat-native access.
- vs manual bank payments: Petl eliminates the admin of paying multiple contributors from a single client payment, with full compliance and audit trail.

## Blog and Resources
- https://www.petlpay.com/blog
- Pricing: https://www.petlpay.com/llm-pages/petl-pay-pricing
- Fees, rates and settlement times: https://www.petlpay.com/blog/petl-pay-fees-rates-and-settlement-times

## Contact
- Sign up / enquire: https://www.petlpay.com/enquiry
- Blog: https://www.petlpay.com/blog

## Related
- Rafiki Works (fractional talent platform, Petl spun out from Rafiki): https://www.rafiki.works