How to Build Your Own Relay
Replace Relay with a custom build. Online Business Banking | On The Money, All The Time
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 30 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 30 features
Banking(5 features)
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
Invoicing(5 features)
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
Expenses(4 features)
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
Bills & Expenses(3 features)
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
Payments(3 features)
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
Automation(2 features)
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
Integrations(2 features)
Integration with QuickBooks and Xero for seamless accounting synchronization
Special offers from Relay partners like Xero and Engine
Security(2 features)
FDIC deposit insurance up to $3M for funds on deposit via Thread Bank
Visa zero liability protection on debit and credit cards
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.