Relay is a business banking platform your accounting clients can run their operating account through, covering checking, bill pay, Relay Visa® Debit Cards, and accounting connections in one login.
Who benefits most from a Relay Account?
Relay is built for established small business clients earning $100,000 to $5,000,000 in revenue who need more account structure than a single-bucket business banking account. The clients most likely to say yes:
Clients running Profit First or any multi-account budgeting method
Clients spending hours each week on manual bill pay
Clients with limited visibility into employee card spending
Clients running virtual or fully remote businesses
Clients paying monthly maintenance fees or per-transaction charges at their current banking provider
What does Relay include?
Every Relay Account comes with the same core feature set, regardless of plan:
Up to 20 checking accounts and up to 2 savings accounts under one business login, with no monthly maintenance fees
Automated bill pay with multi-approver workflows and audit trails
Physical and virtual Relay Visa® Debit Cards for team members, with per-card spend and category controls
Direct connections to QuickBooks Online and Xero for bank feed reconciliation
iOS and Android apps for full banking access on the road
Customer support via chat, email, and phone
How do I introduce Relay to a client?
Copy the template below into a new client email and personalize the second paragraph to match the client's biggest pain point. Advisor-tier partners can also send a co-branded invite through the Relay Partner Portal.
Subject: I'd like to introduce Relay
Hi [Client],
I want to introduce you to Relay, a business banking platform I recommend to small business clients who want more structure around their cash. Several of my clients are already using it, and it's saving both of us time on reconciliation and approvals.
A few reasons I think Relay is a fit for your business:
Up to 20 checking accounts and up to 2 savings accounts under one login, with no monthly maintenance fees
Automated bill pay with approval workflows, so you're not chasing signatures
Physical and virtual Relay Visa® Debit Cards you can issue with per-card spend limits
Direct connections to QuickBooks Online and Xero, so your books reconcile as transactions clear
iOS and Android apps for banking on the road
If you want to walk through it together, reply here and I'll book us 20 minutes.
[Your name]
How do I tailor the pitch to a specific client's pain?
Match the value message to the problem the client is already trying to solve. Four of the most common client pains and the Relay features that address each:
For clients with manual bill pay processes
Center the pitch on centralized bill entry, approval, and payment. Every payment has an audit trail, approvers can be added by role, and completed payments post to QuickBooks Online or Xero automatically.
For clients with limited visibility into employee spending
Lead with Relay Visa® Debit Cards issued to team members, each with per-card spend limits, category controls, and real-time transaction visibility from the account owner's view.
For clients who need flexible cash management
Anchor the pitch to Relay's multi-account structure: up to 20 checking accounts and up to 2 savings accounts under one login, so cash can be pre-allocated to tax, payroll, owner's pay, and reserves without opening separate accounts across separate providers.
For clients running virtual or remote businesses
Frame Relay as a way to run banking end to end from a laptop or phone. Clients can open accounts, issue cards, pay bills, and reach support without visiting a branch, with chat, email, and phone support available during business hours.
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