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Everything you need to know about using Rafiki Works to build your freelance business, grow your agency, or find the right pop-up agency team to service your startup or company needs.
Petl Pay provides account details in USD and EUR, with routing details provided directly in the platform for receiving client payments. For outbound payments, Petl Pay routes across three rail types depending on destination:
Open banking for instant, low-cost bank-to-bank payments across the UK and EU (£0.30 + 0.5% per transaction, passed through at cost with no markup on Solo and Business plans).
Local fiat rails into South Africa, and LatAm including Argentina, Brazil, Chile, and Colombia, with on-ramps and off-ramps typically completing within minutes.
USDC stablecoin wallets available to any contributor on the platform, enabling near-instant cross-border settlement. Cross-border stablecoin off-ramp fees are approximately 0.5 to 1% when converting back to local fiat. No SWIFT fees, no intermediary delays.
Petl Pay plans start from $10/month for solopreneurs and micro-agencies, and $149/month for established agencies and contractors. A free tier is available for testing workflows. For full pricing detail, active payee limits, and volume-based options, see the full pricing page.
Petl Pay is a payments and invoicing platform built for project-based teams. It turns work logged into invoices and settles payments across contributors and vendors in one orchestrated workflow.
petl supports multi-party invoicing, split payments, and consolidated contributor invoices into a single client-facing invoice, using regulated fiat rails and stablecoins for fast, cross-border settlement at costs as low as ~1%.
Petl Pay is built for agencies, SME construction teams, and modern businesses working with contractors, subcontractors, freelancers, and vendors across projects.
It’s designed for teams operating across multiple contributors, currencies, and jurisdictions, where invoicing, reconciliation, and settlement need to happen at the project level rather than per individual. For example, networked teams of agencies, freelancers, or independent contractors collaborating on projects.
Petl Pay allows a single client payment to be automatically split and settled across multiple contributors and vendors involved in a project.
Individual and vendor invoices can be combined into one client-facing invoice and payment request, then settled in one flow, removing manual payout runs, spreadsheets, and reconciliation work.
No. Petl Pay sits on top of your existing bank accounts and payment infrastructure, enhancing them rather than replacing them.
For businesses or individuals who want faster, lower-cost cross-border payments, petl also offers optional KYC/KYB-verified stablecoin wallets and payment mechanisms within the Petl Pay platform. This unlocks near-instant cross-border payments, free wallet-to-wallet transaction, and cross-border fiat-to-fiat transfers between currencies like USD, EUR, and ZAR, for as little as 1%.
Yes. Petl Pay supports cross-border settlement using a combination of regulated fiat rails and stablecoin infrastructure.
Supported currencies and rails include USD, ZAR, GBP, EUR, USDC, USDT, and local rails across LATAM including Argentina (ARS), Brazil (BRL), Chile (CLP), and Colombia (COP), with on-ramps and off-ramps into existing bank accounts typically completing within minutes.
Petl Pay works with regulated payment providers and compliant financial infrastructure to ensure secure, reliable movement of funds.
Payments flow through established fiat and stablecoin rails with appropriate KYC, KYB, and compliance controls, aligned with best-practice standards across the UK, Europe, Africa, and LATAM.
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For General Contractors
Petl Pay orchestrates your entire subcontractor payment flow. One client payment in, every sub paid out automatically, with CIS deductions handled.
Average DSO in UK construction — the longest of any sector (ONS / Creditsafe)
of UK subcontract projects paid late (Aston University, 2022)
lost to manual invoice and payment admin (Petl Pay internal research)
annual cost of late payments to UK businesses (DBT, 2025)
Petl Pay replaces the spreadsheets, manual bank runs, and WhatsApp approvals with a single automated flow.
01
Set up a project, add your subcontractors, assign rates or fixed scopes.
01
Set up a project, add your subcontractors, assign rates or fixed scopes.
02
Subcontractors log hours or milestones. No chasing timesheets.
03
One client-facing invoice, auto-generated from all logged work, with CIS deductions calculated.
04
One transfer from your client. They never need to know how many subs are on the job.
05
Petl Pay splits and settles to every sub automatically. Bank transfer, open banking, or stablecoin.
01
Set up a project, add your subs, assign rates or fixed scopes.
02
Subcontractors log hours or milestones. No chasing timesheets.
03
One client-facing invoice auto-generated from all logged work, CIS deductions included.
01
Set up a project, add your subs, assign rates or fixed scopes.
02
Subcontractors log hours or milestones. No chasing timesheets.
03
One client-facing invoice auto-generated from all logged work, CIS deductions included.
Petl Pay replaces the spreadsheets, manual bank runs, and WhatsApp approvals with a single automated flow.