Bold Penguin vs Relay
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Bold Penguin offers fewer features (15 vs 30) and fewer integrations (0 vs 3). Starting price: Bold Penguin at Contact Sales vs Relay at $30/mo. Bold Penguin has 15 unique features while Relay has 30 unique features, with 0 features in common.
| Bold Penguin | Relay | |
|---|---|---|
| Category | Financial Management | Financial Management |
| Total Features | 15 | 30 |
| AI-Powered Features | 6 | 2 |
| Starting Price | Contact Sales | $30/mo |
| Pricing Tiers | 0 | 3 |
| Integrations | 0 | 3 |
| Shared Features | 0 | |
| Shared Integrations | 0 | |
| Data Quality | 40% | 80% |
Feature Comparison by Category
AI/Matching (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Algorithmic Best-fit Matching |
AI/Submission (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| AI-driven Submission Processes |
Analysis/Risk Assessment (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Policy Analysis and Risk Assessment Tools |
Analytics/Intelligence (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Market Intelligence |
Analytics/Reporting (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Granular Full-funnel Portfolio Data |
Automation (1 vs 2)
| Feature | Bold Penguin | Relay |
|---|---|---|
| AI-Powered Automation and Insights | ||
| Book Roll Automation | ||
| Customizable Bookkeeping Automation |
Banking (0 vs 5)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Credit Card Cash Back | ||
| High-Yield Savings Accounts | ||
| Multiple Checking Accounts | ||
| Virtual and Plastic Credit Cards | ||
| Virtual and Plastic Debit Cards |
Bills & Expenses (0 vs 3)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Batch Vendor Payments | ||
| Bill Management | ||
| Bill Payment Automation |
Collaboration (0 vs 1)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Collaboration Tools |
Core Platform (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Real-time Programmatic Bind |
Cross-sell/AI (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Cross-sell Programmatic Matching |
Distribution (2 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Digital Distribution Capabilities | ||
| Wholesale Capabilities |
Document Processing (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Smart Document Upload |
Expenses (0 vs 4)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Customizable Cards with Spend Policies | ||
| Expense Tracking | ||
| Receipt Collection & Storage | ||
| Spend Approval Requests |
Integrations (0 vs 2)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Accounting Integrations | ||
| Partner Perks |
Invoicing (0 vs 5)
| Feature | Bold Penguin | Relay |
|---|---|---|
| AI-Powered Invoice Reminder | ||
| Auto Charge Card on File | ||
| Invoicing | ||
| Payment Request Links | ||
| Recurring Invoices |
Optimization (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Rapid Configuration and A/B Testing |
Payments (0 vs 3)
| Feature | Bold Penguin | Relay |
|---|---|---|
| ACH Debit | ||
| Multiple Payment Methods | ||
| Same-Day ACH |
Platform/Infrastructure (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Comprehensive Technology Enablement |
Pricing (0 vs 1)
| Feature | Bold Penguin | Relay |
|---|---|---|
| No Hidden Fees or Minimums |
Reporting (0 vs 1)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Cash Flow Insights & Forecasts |
Security (0 vs 2)
| Feature | Bold Penguin | Relay |
|---|---|---|
| FDIC Insurance | ||
| Visa Zero Liability Protection |
Submission (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| SubmissionLink® |
Submission/Core Platform (1 vs 0)
| Feature | Bold Penguin | Relay |
|---|---|---|
| End-to-end Universal Submission Flow |
Support (0 vs 1)
| Feature | Bold Penguin | Relay |
|---|---|---|
| Priority Customer Support |
Unique Features
Only in Bold Penguin (15)
Algorithmic Best-fit Matching
AI-driven Submission Processes
Policy Analysis and Risk Assessment Tools
Market Intelligence
Granular Full-funnel Portfolio Data
Book Roll Automation
Real-time Programmatic Bind
Cross-sell Programmatic Matching
Digital Distribution Capabilities
Wholesale Capabilities
Smart Document Upload
Rapid Configuration and A/B Testing
Comprehensive Technology Enablement
SubmissionLink®
End-to-end Universal Submission Flow
Only in Relay (30)
AI-Powered Automation and Insights
Customizable Bookkeeping Automation
Credit Card Cash Back
High-Yield Savings Accounts
Multiple Checking Accounts
Virtual and Plastic Credit Cards
Virtual and Plastic Debit Cards
Batch Vendor Payments
Bill Management
Bill Payment Automation
Collaboration Tools
Customizable Cards with Spend Policies
Expense Tracking
Receipt Collection & Storage
Spend Approval Requests
Accounting Integrations
Partner Perks
AI-Powered Invoice Reminder
Auto Charge Card on File
Invoicing
+ 10 more unique features
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