Moonworkers vs Petl Pay

Moonworkers is a paid UK payroll platform available on the web and through an API. It provides payroll software, an instant payslip generator, an Accountant Hub, and a REST API for ERP or HR integrations. Payroll supports fixed and variable pay, multiple pay frequencies, statutory payments, National Insurance, and pension auto-enrolment calculations. Pay runs submit required RTI information to HMRC, including Full Payment Submissions and Employer Payment Summaries. Holiday pay uses the 52-week average earnings method and covers casual and zero-hours workers. The service creates HMRC-compliant PDF payslips and can deliver them automatically. Connections include NEST, Smart Pension, The People’s Pension, and journal exports to Sage, Xero, QuickBooks, IRIS, and KashFlow. Plans include £1.69 for Accountant Hub, £3.99 for Payslip Generator, and £6.49 a month billed per payslip for Payroll Software. Prices exclude VAT and UK-only limits apply.

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.