Novo vs Relay
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Novo offers fewer features (23 vs 30) and fewer integrations (2 vs 3). Starting price: Novo at Free vs Relay at $30/mo. Novo has 22 unique features while Relay has 29 unique features, with 1 features in common.
| Novo | Relay | |
|---|---|---|
| Category | Financial Management | Financial Management |
| Total Features | 23 | 30 |
| AI-Powered Features | 1 | 2 |
| Starting Price | Free | $30/mo |
| Pricing Tiers | 1 | 3 |
| Integrations | 2 | 3 |
| Shared Features | 1 | |
| Shared Integrations | 0 | |
| Data Quality | 60% | 80% |
Feature Comparison by Category
Analytics & Reporting (1 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Real-Time Insights |
Automation (0 vs 2)
| Feature | Novo | Relay |
|---|---|---|
| AI-Powered Automation and Insights | ||
| Customizable Bookkeeping Automation |
Banking (3 vs 5)
| Feature | Novo | Relay |
|---|---|---|
| ATM Fee Reimbursement | ||
| Credit Card Cash Back | ||
| Free Checking Account | ||
| Global Fund Access | ||
| High-Yield Savings Accounts | ||
| Multiple Checking Accounts | ||
| Virtual and Plastic Credit Cards | ||
| Virtual and Plastic Debit Cards |
Bills & Expenses (0 vs 3)
| Feature | Novo | Relay |
|---|---|---|
| Batch Vendor Payments | ||
| Bill Management | ||
| Bill Payment Automation |
Bookkeeping (1 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| AI-Powered Bookkeeping |
Budgeting (2 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Intuitive Budgeting | ||
| Reserves (Auto-Savings) |
Cards (2 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Novo Business Credit Card | ||
| Virtual and Physical Debit Cards |
Collaboration (0 vs 1)
| Feature | Novo | Relay |
|---|---|---|
| Collaboration Tools |
Discounts & Rewards (2 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Cashback Rewards | ||
| Exclusive Partner Discounts |
Expenses (0 vs 4)
| Feature | Novo | Relay |
|---|---|---|
| Customizable Cards with Spend Policies | ||
| Expense Tracking | ||
| Receipt Collection & Storage | ||
| Spend Approval Requests |
Integration (1 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Tool Integration |
Integrations (0 vs 2)
| Feature | Novo | Relay |
|---|---|---|
| Accounting Integrations | ||
| Partner Perks |
Invoicing (3 vs 5)
| Feature | Novo | Relay |
|---|---|---|
| AI-Powered Invoice Reminder | ||
| Auto Charge Card on File | ||
| Automated Invoice Reminders | ||
| Customizable Invoices | ||
| Easy Invoicing | ||
| Invoicing | ||
| Payment Request Links | ||
| Recurring Invoices |
Lending (2 vs 0)
| Feature | Novo | Relay |
|---|---|---|
| Hassle-Free Funding | ||
| Novo Funding |
Payments (3 vs 3)
| Feature | Novo | Relay |
|---|---|---|
| ACH Debit | ||
| Domestic Wire Transfers | ||
| Free ACH Transfers | ||
| Free Incoming Wires | ||
| Multiple Payment Methods | ||
| Same-Day ACH |
Pricing (0 vs 1)
| Feature | Novo | Relay |
|---|---|---|
| No Hidden Fees or Minimums |
Reporting (0 vs 1)
| Feature | Novo | Relay |
|---|---|---|
| Cash Flow Insights & Forecasts |
Security (3 vs 2)
| Feature | Novo | Relay |
|---|---|---|
| Bank-Level Encryption | ||
| FDIC Insurance | ||
| Real-Time Fraud Alerts | ||
| Visa Zero Liability Protection |
Support (0 vs 1)
| Feature | Novo | Relay |
|---|---|---|
| Priority Customer Support |
Unique Features
Only in Novo (22)
Real-Time Insights
ATM Fee Reimbursement
Free Checking Account
Global Fund Access
AI-Powered Bookkeeping
Intuitive Budgeting
Reserves (Auto-Savings)
Novo Business Credit Card
Virtual and Physical Debit Cards
Cashback Rewards
Exclusive Partner Discounts
Tool Integration
Automated Invoice Reminders
Customizable Invoices
Easy Invoicing
Hassle-Free Funding
Novo Funding
Domestic Wire Transfers
Free ACH Transfers
Free Incoming Wires
+ 2 more unique features
Only in Relay (29)
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
+ 9 more unique features
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