Relay Financial Review & Pricing (2026)
Relay Financial
Relay is a financial technology company that provides business checking and savings accounts, Visa debit and credit cards, bill pay, expense management, and invoicing. Banking services are provided by Thread Bank, Member FDIC. It serves small and growing businesses, including ecommerce sellers, agencies, and firms that work with outside bookkeepers.
Relay is often used to run cash allocation methods that split revenue across multiple named accounts. In a seller's stack it handles operating cash, vendor payments, and card spend, then pushes categorized transactions and receipts into QuickBooks Online or Xero. It does not provide marketplace analytics, inventory planning, or reimbursement recovery.
Capabilities
Multiple Checking Accounts
Lower plans include 20 checking accounts and 2 savings accounts per business, rising to 50 checking accounts on the top tier.
Team Payment Cards
Businesses can issue virtual and physical Visa debit cards per cardholder, plus credit cards on eligible accounts.
Tiered Savings Rates
Savings annual percentage yield is set by plan tier and varies with the federal funds rate.
Accounts Payable
Bills can be emailed or uploaded, with vendor, invoice number, and dates extracted automatically, then routed through approval rules.
Accounting Integrations
Relay syncs bank feeds, receipts, and expenses to QuickBooks Online and Xero.
Invoicing
All plans include invoice creation and tracking, with recurring and branded invoices on paid tiers.
Unlimited Users
Every plan includes unlimited users, plus read-only access for an accountant or bookkeeper.
International Payments
SWIFT and local network wires are supported, with per-transaction fees and currency exchange rates set by plan.
Strengths
Standard ACH payments are included on all plans, with no minimum balance or overdraft fees.
Twenty checking accounts on the free plan supports envelope-style cash allocation without opening separate bank relationships.
Unlimited users on every plan means bookkeepers and staff can be added without per-seat charges.
Payment fees, savings yield, and card cash back all improve at higher plan tiers.
Eligible deposits qualify for expanded FDIC insurance when placed across program banks in the sweep program.
Paid plans can be tested for 14 days before payment, and plans can be changed at any time.
Considerations
Relay is a financial technology company rather than a bank, and deposits are held through Thread Bank.
International payment services are provided by a different institution than domestic deposits, so those terms differ.
Wires and same-day ACH carry per-transaction fees on every plan, so teams paying many suppliers should model total transaction cost.
Top-tier pricing has been listed as a limited-time discount, so buyers should confirm the current rate at signup.
Some higher-tier capabilities are documented as coming soon, so availability should be confirmed before subscribing.
Published integrations cover general accounting and payroll tools, with no Amazon Seller Central connection listed.
Pricing
$30/mo
Free Starter plan; 14-day trial on paid plans
Visit website CategoryFunding & Payments
TypeSoftware
Pricing modelMonthly subscription
MarketplacesNot marketplace specific
Best forSmall ecommerce teams using envelope-style cash allocation
Alternatives
Mercury
Business banking platform offering checking, savings, cards, bill pay, and invoicing for ecommerce brands and startups.
Wise Business
Wise Business offers multi-currency accounts with local details, mid-market exchange rates, and a one-off setup fee.
Payoneer
Payoneer provides multi-currency receiving accounts that let online sellers collect marketplace payouts and withdraw funds to…