The Scale Plan is Relay's top subscription tier for small businesses managing $1,000,000+ in annual revenue, priced at $90/month for a limited time with 50 checking accounts, priority support, and higher-yield savings.
What is the Scale Plan?
The Scale Plan is Relay's premium subscription tier, built for well-established small businesses that need more checking accounts, faster support, higher yield on savings, and richer partner benefits than the Starter or Grow Plans deliver. It costs $90/month (limited-time pricing; regularly $120/month) and is billed monthly from your primary Relay checking account.
Who is the Scale Plan for?
The Scale Plan fits established small businesses that have outgrown the Starter or Grow Plan on accounts, support speed, or savings yield.
Small businesses managing $1,000,000 or more in annual revenue
Owners who need more than 20 checking accounts to run Profit First, envelope budgeting, or multi-entity operations
Teams that want priority customer support during business hours
Businesses holding savings balances and looking for a higher Annual Percentage Yield (APY) on Relay savings accounts
Owners using the Relay Visa® Credit Card who want the highest cash-back tier (1.50%)
Businesses that run 10 or more same-day ACH transfers per month
New Xero account users who want a six-month subscription credit
Teams that book business travel through Engine
How does the Scale Plan work?
The Scale Plan unlocks its full feature set the moment you subscribe, and it bills monthly from your primary Relay checking account.
You can subscribe during signup or upgrade from Starter or Grow at any time
The $90 limited-time discount monthly fee is drawn from your primary Relay checking account, which must hold at least $90 at billing
All Scale features unlock immediately after checkout
Priority support routes your ticket ahead of the standard queue, Monday through Friday, 9:00am to 8:00pm ET
Partner discounts (Xero, Engine) are redeemable from the Relay dashboard once you are on Scale, and meet the partner perk eligibility criteria.
You can downgrade or cancel at any time from Settings, then Plans and Billing
What's included in the Scale Plan?
The Scale Plan bundles the highest account limits, the best savings yield, the top credit-card cash back, and priority support alongside every core Relay feature.
Accounts and savings
50 checking accounts
2 savings accounts
3.00% Annual Percentage Yield (APY) on Relay savings accounts
Priority customer support
Priority routing ahead of the standard queue
Coverage Monday through Friday, 9:00am to 8:00pm ET
Payment fees
Standard ACH transfers: no per-transfer fee, unlimited
Same-day ACH: 10 included per month, $1 per transfer after that
Domestic wires: $5 per wire
International wires (Local Network): $1.50 per wire
International wires (SWIFT): $20 per wire
Incoming wires initiated via Quick Requests: $5 per wire
Relay Visa® Credit Card
1.50% cash back on eligible purchases
All standard Relay Visa® Credit Card controls, statements, and integrations
Bill Pay
Unlimited bill payments
Bills Inbox with automated categorization
Payment approval rules
Partial and batch vendor payments
Connection to QuickBooks Online and Xero
Expense management
Daily and monthly card spend limits
Spend policies
Automated expense categorization
Connection to QuickBooks Online and Xero
Invoicing
Standard invoices and Quick Requests
Branded invoices with your logo
Recurring invoices
Credit-card surcharging for client payments
Card payment acceptance
Credit card payments: 2.9% + $0.30 per transaction
Pay-by-Bank (ACH pull): 0.50%, capped at $10 per payment
What partner discounts are included with Scale?
The Scale Plan includes two named partner benefits that Grow and Starter subscribers do not receive.
Xero: Six months of Xero subscription included at no additional cost for new Xero customers
Engine: Up to $1,000 cash back on business travel bookings $1k travel credit after your first hotel booking of $2.5k or more on Engine. Only available for new Engine users.
Both discounts are surfaced inside the Relay dashboard once your Scale subscription is active.
How do I upgrade to the Scale Plan?
Upgrading takes about a minute from the desktop Relay account.
Sign in to your Relay account on desktop
Open Settings from the left navigation
Click Plans and Billing
Select Subscribe to Scale
Choose the checking account that will be billed; this account must hold at least $90
Complete checkout
Scale features unlock immediately once checkout finishes.
Frequently asked questions
What's the difference between the Grow Plan and the Scale Plan?
The Scale Plan adds priority customer support, more checking accounts (50), higher savings yield (3.00% Annual Percentage Yield), higher Relay Visa® Credit Card cash back (1.50%), 10 same-day ACH transfers included per month, and partner discounts with Xero and Engine.
Can I switch back to a lower plan after subscribing to Scale?
Yes. From Settings, then Plans and Billing, you can downgrade to the Grow Plan or Starter Plan, or cancel your subscription entirely.
What happens if my Scale Plan payment fails?
Relay will retry the payment from your billing account. If the payment continues to fail, your subscription may be paused or reverted to a lower tier.
Will my Scale Plan benefits change over time?
Pricing, features, and partner discounts may change. Relay communicates any change that affects your plan in advance through your billing email and in-app notifications.
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