Relay
relayfi.comBuild Difficulty: 4/5
A few focused days to build a solid replacement
Online Business Banking | On The Money, All The Time
How to Replace RelayOverview
Features
30 features across 12 categories
Automation(2)
AI-powered automation and insights to help save time and maximize margins in Scale plan
Automated bookkeeping with customization options for Grow and Scale plans
Banking(5)
Up to 1.5% cash back on credit card spending (varies by plan: 1% Starter, 1.25% Grow, 1.5% Scale)
Savings with up to 2.68% Annual Percentage Yield (APY) on deposits
20 checking accounts in Starter and Grow plans, 50 accounts in Scale plan for meticulous organization
Up to 5 virtual and plastic credit cards per cardholder per credit account
Up to 50 virtual and plastic debit cards per cardholder per checking account
Bills & Expenses(3)
Ability to pay multiple vendors in batch in Grow and Scale plans
Bill creation, intake, and management with multi-step bill approval rules
Automated bill payment processing available in Scale plan
Collaboration(1)
Safely delegate financial tasks to employees, bookkeepers, and accountants
Expenses(4)
Create customizable cards with built-in spend policies and controls
Control, track and reconcile all card spending with receipt storage for audit readiness
Automatic receipt collection and storage for expense management
Request and manage spend approvals from team members
Integrations(2)
Integration with QuickBooks and Xero for seamless accounting synchronization
Special offers from Relay partners like Xero and Engine
Invoicing(5)
AI-powered automatic invoice reminders to improve payment collection
Automatically charge customer payment methods on file for invoices
Invoice creation, tracking, and payment collection integrated with banking
Create and send payment request links to collect payments from customers
Automatically generate and send recurring invoices
Payments(3)
ACH debit payments with variable transaction fees based on plan (1% Starter, 0.75% Grow, 0.5% Scale, capped at $10)
ACH, check, and wire payment options
10 free same-day ACH transactions per month in Scale plan
Pricing(1)
Transparent pricing with no hidden fees or account minimums
Reporting(1)
Cash flow insights and forecasting tools to understand financial trends
Security(2)
FDIC deposit insurance up to $3M for funds on deposit via Thread Bank
Visa zero liability protection on debit and credit cards
Support(1)
Faster customer support by phone and email for Scale plan customers
Pricing
Starter
- ✓20 checking accounts
- ✓Virtual and plastic debit cards (up to 50 per cardholder)
- ✓Virtual and plastic credit cards (up to 5 per cardholder)
- ✓0.91% APY on savings accounts
- ✓1% credit card cash back
- ✓Bill creation, intake & management
- ✓Customizable cards with built-in spend policies
- ✓Receipt collection & storage
- ✓Invoicing
- ✓Payment request links
- ✓Invoice creation & tracking
- ✓ACH debit +1% of transaction amount (capped at $10)
- ✓Accounting integrations (QuickBooks, Xero)
- ✓Collaboration tools
Grow
Popular- ✓Everything in Starter
- ✓20 checking accounts
- ✓1.55% APY on savings accounts
- ✓1.25% credit card cash back
- ✓Savings on payment fees
- ✓Multi-step bill approval rules
- ✓Customizable bookkeeping automation
- ✓Spend approval requests
- ✓Batch vendor payments
- ✓Recurring invoices
- ✓Auto charge card on file
- ✓ACH debit +0.75% of transaction amount (capped at $10)
Scale
- ✓Everything in Grow
- ✓50 checking accounts
- ✓2.68% APY on savings accounts
- ✓1.5% credit card cash back
- ✓10 free same-day ACH per month
- ✓Bill payment automation
- ✓ACH debit +0.5% of transaction amount (capped at $10)
- ✓AI-powered invoice reminder
- ✓Cash flow insights & forecasts
- ✓Partner perks (Xero, Engine)
- ✓Faster customer support by phone and email
Cost Calculator
Keep Paying Relay
Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 30 features at easy complexity.
Build vs Buy
Should you build a Relay alternative or buy the subscription? Estimate based on 30 features.
Buy Relay
Better ValueBuild Your Own
Buying Relay saves ~$26,160 over 3 years vs building.
Estimates based on 30 features and a BuildScore of 4/5. Actual costs vary.
Integrations
3 known integrations