Mastercard Open Finance vs Relay
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Mastercard Open Finance offers fewer features (14 vs 30). Starting price: Mastercard Open Finance at Contact Sales vs Relay at $30/mo. Mastercard Open Finance has 14 unique features while Relay has 30 unique features, with 0 features in common.
| Mastercard Open Finance | Relay | |
|---|---|---|
| Category | Financial Management | Financial Management |
| Total Features | 14 | 30 |
| AI-Powered Features | 3 | 2 |
| Starting Price | Contact Sales | $30/mo |
| Pricing Tiers | 0 | 3 |
| Integrations | 3 | 3 |
| Shared Features | 0 | |
| Shared Integrations | 0 | |
| Data Quality | 40% | 80% |
Feature Comparison by Category
Automation (0 vs 2)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| AI-Powered Automation and Insights | ||
| Customizable Bookkeeping Automation |
Banking (0 vs 5)
| Feature | Mastercard Open Finance | 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 | Mastercard Open Finance | Relay |
|---|---|---|
| Batch Vendor Payments | ||
| Bill Management | ||
| Bill Payment Automation |
Business Intelligence (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Cash Flow Insights |
Collaboration (0 vs 1)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Collaboration Tools |
Data Management (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Data Enrichment |
Expenses (0 vs 4)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Customizable Cards with Spend Policies | ||
| Expense Tracking | ||
| Receipt Collection & Storage | ||
| Spend Approval Requests |
Financial Management (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Personal Finance Management (PFM) |
Fraud Prevention (2 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Account Owner Verification | ||
| Payment Success Indicator |
Identity Verification (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Account Opening / KYC |
Infrastructure (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| API Infrastructure |
Integrations (0 vs 2)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Accounting Integrations | ||
| Partner Perks |
Invoicing (0 vs 5)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| AI-Powered Invoice Reminder | ||
| Auto Charge Card on File | ||
| Invoicing | ||
| Payment Request Links | ||
| Recurring Invoices |
Lending (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Credit Scoring & Lending |
Payments (4 vs 3)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| ACH Debit | ||
| Account-to-Account Payments | ||
| Bill Pay Switch | ||
| Deposit Switch | ||
| Merchant Cloud | ||
| Multiple Payment Methods | ||
| Same-Day ACH |
Personalization (1 vs 0)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Consumer Foresight |
Pricing (0 vs 1)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| No Hidden Fees or Minimums |
Reporting (0 vs 1)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Cash Flow Insights & Forecasts |
Security (1 vs 2)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| FDIC Insurance | ||
| Secure Data Access & Sharing | ||
| Visa Zero Liability Protection |
Support (0 vs 1)
| Feature | Mastercard Open Finance | Relay |
|---|---|---|
| Priority Customer Support |
Unique Features
Only in Mastercard Open Finance (14)
Cash Flow Insights
Data Enrichment
Personal Finance Management (PFM)
Account Owner Verification
Payment Success Indicator
Account Opening / KYC
API Infrastructure
Credit Scoring & Lending
Account-to-Account Payments
Bill Pay Switch
Deposit Switch
Merchant Cloud
Consumer Foresight
Secure Data Access & Sharing
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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