All-in-one business banking and accounts payable

  • Pay all your bills without leaving Relay
  • Automate bill approval rules for your team
  • Unlock faster, same-day ACH and free wires
Upgrade to Relay Pro
  • No account fees
  • FDIC insured up to $3M via Thread Bank2,3
  • Visa® Zero Liability Protection3

One less app in your
tech stack

Upgrade to Relay Pro to get the banking essentials included in the free version and powerful bill pay features that eliminate the need for a dedicated, more expensive accounts payable tool.

See Relay Pro pricing
Payments section in Relay with list of recent payment activity

Pay bills the easy way

Relay mobile app showing payment options of A.C.H. or Domestic Wire.

Pay by ACH, wire and check

Relay Pro has all the payment types you could need. Pay bills using free, same-day ACH transfers, checks or free domestic and international wires (with built-in currency exchange).

Relay mobile app showing form to add new payee by entering Business Name

Organize all payees in one place

Store payment information for all contractors and vendors in Relay. Add payees yourself, or get them to securely upload their own details—like their W-9 forms (psst… automatically withhold payment until you have a W-9 in hand, making for a less frantic 1099 season).

No more back-office busywork

Keep Relay in sync with your accounting software

Automatically sync unpaid bills from QuickBooks Online or Xero so you and your team (including your accountant or bookkeeper) can review, approve and pay bills in one intuitive dashboard.

Don’t worry about keeping track of approvals

Relay will do it for you. Set up automated single or multi-step approval rules—based on dollar amounts—so that no bill gets paid unless the right person (or people) on your team signs off on it first.

List of approval rules requiring 1 or 2 approvals based on dollar amounts.

Save time with streamlined bill payments

Pay multiple bills in just a few clicks from your accounts payable dashboard, and consolidate payments to the same vendor into a single transaction.

Payments tab in Relay with options to select Unpaid Bills, Awaiting approvals, or Queued transacations.
Relaying the message

What small businesses are
saying about Relay

Great Experience!

"We have had a great experience with Relay and I plan to use this for my businesses moving forward. It makes it very easy to add accounts, cards, users, vendors, etc. I can separate our cash with certain projects or initiatives so that our budgets are already set. All around, very solid company that I look forward to working with in the coming years."

Banking with Relay

Keeping your business on the money

Relay’s online business banking platform makes it easy to wholly understand what you’re earning, spending and saving.

Get all the details
  • Bank without worrying about account fees, overdraft fees or minimum balances
  • Open up to 20 individual checking accounts to organize cash and expenses
  • Assign up to 50 physical or virtual Visa® debit cards to your team members
  • Pay vendors using ACH transfers, checks and wires (with built-in currency exchange)
  • Make banking collaborative with role-based user permissions for team members, accountants and bookkeepers
  • Get personalized customer support when you need it by email