Invoice Payment Fees and Plan Comparison in Relay

Relay lets you choose how clients pay your invoices—by card, ACH debit, wire transfer, or bank transfer. While ACH payments are free across all plans, other methods may include processing fees depending on your Relay subscription.

This article breaks down invoice payment fees by plan and payment method to help you make the best choice for your business.

Payment methods supported for invoices

When sending an invoice with a Quick Request, you can allow one or more of the following payment methods:

• Credit or debit card

• Pay by bank (ACH debit via Plai

• ACH transfer (manual push by your client)

• Wire transfer

You choose accepted payment methods when creating the invoice or set them globally in Settings > Invoices.

Payment fees by plan

Relay automatically deducts these fees before depositing the payment into your account.

*Relay Grow and Relay Scale subscribers can offset card payment fees via a surcharge of up to 2.9% (some restrictions apply). See Credit Card Surcharging for more details.

**Pay by bank payments are based on your account limits for ACH Add Funds

Payment timelines

Delays may occur based on the day/time payment is submitted or client bank processing schedules.

Learn more: Quick Requests: Processing Fees, Settlement Timelines & Limits

Tips for minimizing fees

• Encourage clients to pay by ACH transfer for no processing fees

• Offer Pay by Bank (ACH debit) for lower-cost payments that are still fast and easy

• Reserve card payments for convenience or when speed is a priority

• Set preferred payment methods in your invoice settings for consistency

Related articles

• Sending an Invoice as a Quick Request

• Invoice Settings and Payment Method Preferences

• Invoice vs. Quick Request: What’s the Difference?