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SPECIFICTION
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Petl Pay

petlpay.com

From $10/mo Free plan WebAPI
Visit petlpay.com
Spec score 8.1 #9 of 26 in Contractor Payment Software

What it is

Petl Pay connects project work with client invoices, contributor pay runs and payments for teams that manage multiple contributors. It supports multi-party invoicing, contributor allocations, approvals and payout records tied to projects. Teams can use Petl through ChatGPT, Claude, Slack and WhatsApp to create projects, raise invoices, generate payment links and prepare pay runs; completed pay runs and statements can be pushed to Xero. For eligible UK construction workflows, Petl calculates and tracks CIS deductions but does not file with HMRC. Payment workflows include bank and stablecoin rails across the UK, EU, US, Brazil, Mexico, Colombia and South Africa, subject to availability. Transfer fees range from 0.2% to 1.2%, depending on transfer type, corridor and volume. Petl says it works with licensed payment providers and does not hold customer funds. It also says it does not store card numbers, bank login credentials, private wallet keys or government-issued identity documents. KYC/KYB checks apply where required, and audit trails cover bills, invoices, approvals, payments and payouts. The Free plan is $0; paid plans start at $10 per user per month.

Spec sheet

Purpose
Petl Pay turns project work into client invoices, contributor pay runs and payments for project-based teams.Read 7 Oct 2026 · petlpay.com
Intended users
Petl is aimed at agencies, studios, consultancies and UK construction subcontractors that manage project teams and pay multiple contributors.Read 7 Oct 2026 · petlpay.com
Security
Petl says it is non-custodial, works with licensed payment providers, and does not hold customer funds.Read 7 Oct 2026 · petlpay.com
Headquarters
London, United KingdomRead 28 Sep 2026 · petlpay.com
Maker
The site footer identifies Rafiki Works Ltd. as the company behind Petl Pay.Read 7 Oct 2026 · petlpay.com
Accounting integration
Completed pay runs and statements can be pushed to Xero.Read 7 Oct 2026 · petlpay.com
Approvals
Money movement requires the appropriate approval and verification step.Read 7 Oct 2026 · petlpay.com
Chat tools
Teams can use Petl through ChatGPT, Claude, Slack and WhatsApp to create projects, raise invoices, generate payment links and prepare pay runs.Read 7 Oct 2026 · petlpay.com
Construction compliance
For eligible UK construction workflows, Petl calculates and tracks CIS deductions but does not file with HMRC.Read 7 Oct 2026 · petlpay.com
Cross-border payments
Supported payment workflows include bank and stablecoin rails across the UK, EU, US, Brazil, Mexico, Colombia and South Africa, subject to availability.Read 7 Oct 2026 · petlpay.com
Data handling
Petl says it does not store payment card numbers, bank login credentials, private wallet keys or government-issued identity documents.Read 7 Oct 2026 · petlpay.com
Features
It supports multi-party invoicing, contributor allocations, approvals and payout records tied to a project.Read 7 Oct 2026 · petlpay.com
Fees
The site states that transfer fees range from 0.2% to 1.2%, depending on transfer type, corridor and volume.Read 7 Oct 2026 · petlpay.com
Notable limit
Petl says its Free plan has no active payees, embedded payment links, wallets or payouts.Read 7 Oct 2026 · petlpay.com
Verification and records
The site describes KYC/KYB checks where required and audit trails for bills, invoices, approvals, payments and payouts.Read 7 Oct 2026 · petlpay.com

Plans and prices

Free Free $0 Unlimited projects and contributors · Unlimited invoice and billing automation · No active payees, embedded payment links, wallets or payouts Read 7 Oct 2026 · petlpay.com
Solo $10 a month $10 / user / month Up to 3 active payees · Embedded invoice payment buttons · USD and EUR account details · Contributor wallets · Fast cross-border settlement Read 7 Oct 2026 · petlpay.com
Business $149 a month $149 / company / month Up to 20 active payees · Multi-party payment distribution · Audit trails, reporting and reconciliation · API and MCP access Read 7 Oct 2026 · petlpay.com
Enterprise Priced on request Custom Custom payee volumes and routing · Advanced reporting and controls · Dedicated onboarding and support · Custom commercial terms Read 7 Oct 2026 · petlpay.com

Every Petl Pay plan and price →

Strong points and limits

Strong points

  • Supports multi-party invoices and contributor allocations.
  • ChatGPT, Claude, Slack and WhatsApp workflows.
  • Can push completed pay runs to Xero.
  • Bank and stablecoin payment rails across listed regions.
  • Free plan includes unlimited projects and contributors.

Limits

  • Free plan has no active payees or payouts.
  • Transfer fees range from 0.2% to 1.2%.
  • CIS deductions are tracked, not filed with HMRC.

Who it suits

Petl Pay is aimed at agencies, studios, consultancies and UK construction subcontractors handling project billing and payments to multiple contributors. It may suit teams that want approvals and payout records connected to project work.

Verdict

Petl Pay links project billing, approvals and contributor payments, with a free tier for projects and invoice automation. Check the free-plan payment limits, transaction fees and regional availability before relying on it for payouts.

Where Specifiction places it

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