What Are the Six Team Member Permission Levels in Relay?

Relay offers six team member permission levels (Admin, Manager, Bill Payer, Cardholder, Deposit Only, and Read Only), each granting a different scope of access to your Relay Account.

Who uses team member permissions?

Team member permissions are for:

• Business owners inviting employees, contractors, or other team members to their Relay Account

• Owners assigning transaction, card, or bookkeeping duties without sharing a login

• Administrators adjusting a team member's access as roles change over time

How team member permissions work

• Each invited team member creates their own unique login. Owners never share credentials.

• An Administrator assigns one of six preset permission levels at the time of invitation.

• Permission levels can be changed any time after the team member finishes account setup.

• Presets can be customized further with custom roles for finer-grained access.

• Team members with transaction permissions must provide a personal address before they can transact. Business owners with an address already on file are exempt.

What are the six team member permission levels?

• Admin grants full account access, including sending payments, issuing and terminating cards, editing business information, managing integrations, and adding or removing team members.

• Manager grants team and card management (invite members, issue and freeze cards, view all team cards) without permission to send payments or edit business information.

• Bill Payer grants payment sending and editing (ACH, wire, check), plus accounting integration setup, without card issuance or team management.

• Cardholder grants access only to their own assigned card, including submitting spend requests and categorizing their own card transactions.

• Deposit Only grants viewing account balances and transactions, plus depositing checks and making transfers into their assigned account.

• Read Only grants viewing access to account balances, transactions, and integrations. It does not permit transactions or team management.

Team member permissions comparison

✓ = permitted; — = not permitted. Cardholder access is limited to their own assigned card. Deposit Only access is limited to their assigned account.

How do I invite a team member to my Relay Account?

An Administrator opens the team management area of Relay, enters the invitee's email address, and assigns one of the six permission levels. The full walkthrough is in How to invite team members and advisors to your Relay account.

How do I edit a team member's permission level?

An Administrator can change a team member's permission level any time after that team member finishes account setup. The step-by-step is in Editing permission levels.

Can I customize permission levels beyond the six presets?

Yes. Permission presets can be tailored with custom roles when the six defaults do not fit a specific access pattern. See Creating custom roles in Relay for the setup steps.

Which permission levels can receive incoming payments?

Regardless of a team member's permission level, payments can be received under the beneficial owner names on file, the business name, or any Doing Business As (DBA) name registered on the Relay Account. Permission levels govern who can act inside the account; they do not add or restrict the names money can be received under.

What permissions do accountants and bookkeepers get?

Accountants and bookkeepers get their own set of advisor permissions, which differ from the six team member presets. Advisor-specific access levels are documented in Advisor permissions in client accounts.

Why does Relay require a personal address for some team members?

Team members with transaction permissions (including card transactions) must provide a personal address before they can transact. This is a security and identity-verification requirement. Business owners with an address already on file are exempt. The full explanation is in Why Relay Needs a Personal Address for Team Members With Transaction Permissions.

Related articles

• How to invite team members and advisors to your Relay account

• Editing permission levels

• Creating custom roles in Relay

• Advisor permissions in client accounts

• Why Relay Needs a Personal Address for Team Members With Transaction Permissions

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