Team member permissions

When a team member (e.g., an employee) is invited to join a business's Relay account, they will need to create their own unique login, and the functions that a team member can perform (i.e., their permissions) can be modified and managed by other Administrators within the account.

For instructions on how to invite team members to your Relay account, please see Inviting team members and advisors to Relay.

There are six different permission levels for team members in Relay; a team member's permission level will be assigned to them when they're invited to join an account.

Within each preset, permission levels can be further customized to fit your account’s specific needs. To learn more, see Creating custom roles in Relay.

Note: To maintain security standards, any team members able to transact on Relay (including card transactions) will be required to provide a personal address. For more information, see Why Relay Needs a Personal Address for Team Members With Transaction Permissions. This requirement does not apply to business owners who already have an address on file.

Admin

Full control

Manages everything — accounts, cards, payments, team and settings.

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Manager

Card & team manager

Views accounts, issues and manages cards, invites Cardholder members.

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Bill Payer

Payments specialist

Views accounts and sends money via ACH, wire and check.

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Cardholder

Card user

Views and manages their own assigned card and transactions only.

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Deposit Only

Depositor

Views assigned accounts and submits check deposits.

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Read Only

Viewer

Views transactions, statements and integrations. No write actions.

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Admin

Full control

Manages everything — accounts, cards, payments, team and settings.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members. Give permission to issue, update, or manage team cards.

Issue new cards

View all cards and details (number, cvv, nickname)

Terminate/freeze any card

Assign receipt admins for cards

Set or edit card spending limits

Set backup spending account

Create, manage, or approve spend requests based on defined policies

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

View list of payees

• View list of payees

Manage payees

• Add payees

• Edit payee details

• Archive payees

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Manage bills

• Create bills

• Edit bill fields

• Edit payment fields

• Archive/delete bills

• Run W-9 reports

Manage approval rules

• Create/edit/delete rules

• Add/remove team members

Bill actions

• Schedule/initiate bill payments

• Approve or reject bills

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Edit expense fields (memos, vendors, categories)

Upload receipts

Create/edit/delete accounting categorization rules

Nudge cardholder for missing receipts

Sync or ignore expenses to accounting systems

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Invoice management

• View, download, share invoices and requests

• Create, edit, cancel, duplicate, or change status

• Create, edit, or cancel recurring invoices

Payment requests

• View, download, share payment links

• Can create, modify, and cancel payment links

Manage customers

• View customer list

• Add, edit, or delete customers

Settings & branding

• Set default payout account

• Set invoice branding

• Edit invoice business info such as address, contact email, DBA

• Create and manage tax rates

• Create and manage discount types

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

Manage team

• View team members

• Add team members

• Remove team members

• Add advisors

• Remove advisors

• Assign and change permissions

Manage integrations

• Configure accounting integrations (QBO, Xero, etc.)

• Edit accounting mapping

• Enable and disable accounting fields sync

• Sync or import vendors and unpaid bills

• Configure other integrations (Gusto, etc.)

• Disconnect integrations

Manage receipt policy

• Manage receipt policy

Manage business, subscription & billing

• Change business info

• Change subscription tier

• Change billing account

• Download invoices

Send, move, and track money Account selection required

Control which accounts they can make payments, transfers, deposits, and view.

Create new accounts (checking or savings)

Delete accounts

Select accounts, for each account user can:

View only (view balance, transactions, account details)

• View account balance

• View transactions

• View account details

Download account info

• Download account statements

• Download account documents

Make payment (send money)

• Create ACH payment

• Create check payment

• Create wire payment

• Create international wire payment

• Schedule/edit recurring transfers/payments

Make transfers (move money)

• Transfer between internal accounts

• Transfer to/from external accounts

• Add funds

Make check deposits (mobile only)

Manager

Card & team manager

Views accounts, issues and manages cards, invites Cardholder members.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members. Give permission to issue, update, or manage team cards.

Issue new cards

View all cards and details (number, cvv, nickname)

Terminate/freeze any card

Assign receipt admins for cards

Set or edit card spending limits

Set backup spending account

Create, manage, or approve spend requests based on defined policies

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

View list of payees

• View list of payees

Manage payees

• Add payees

• Edit payee details

• Archive payees

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Manage bills

• Create bills

• Edit bill fields

• Edit payment fields

• Archive/delete bills

• Run W-9 reports

Manage approval rules

• Create/edit/delete rules

• Add/remove team members

Bill actions

• Schedule/initiate bill payments

• Approve or reject bills

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Edit expense fields (memos, vendors, categories)

Upload receipts

Create/edit/delete accounting categorization rules

Nudge cardholder for missing receipts

Sync or ignore expenses to accounting systems

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Invoice management

• View, download, share invoices and requests

• Create, edit, cancel, duplicate, or change status

• Create, edit, or cancel recurring invoices

Payment requests

• View, download, share payment links

• Can create, modify, and cancel payment links

Manage customers

• View customer list

• Add, edit, or delete customers

Settings & branding

• Set default payout account

• Set invoice branding

• Edit invoice business info such as address, contact email, DBA

• Create and manage tax rates

• Create and manage discount types

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

Manage team

• View team members

• Add team members

• Remove team members

• Add advisors

• Remove advisors

• Assign and change permissions

View integrations (read only)

• View accounting integrations (QBO, Xero, etc.)

• View accounting mapping

• View accounting fields sync status

• View synced vendors and bills

• View other integrations (Gusto, etc.)

Configure or disconnect integrations

• Configure accounting integrations

• Edit accounting mapping

• Enable and disable accounting fields sync

• Configure other integrations (Gusto, etc.)

• Disconnect integrations

Manage receipt policy

• Manage receipt policy

Manage business, subscription & billing

• Change business info

• Change subscription tier

• Change billing account

• Download invoices

Send, move, and track money Account selection required

Control which accounts they can make payments, transfers, deposits, and view.

Create new accounts (checking or savings)

Delete accounts

Select accounts, for each account user can:

View only (view balance, transactions, account details)

• View account balance

• View transactions

• View account details

Download account info

• Download account statements

• Download account documents

Make payment (send money)

• Create ACH payment

• Create check payment

• Create wire payment

• Create international wire payment

• Schedule/edit recurring transfers/payments

Make transfers (move money)

• Transfer between internal accounts

• Transfer to/from external accounts

• Add funds

Make check deposits (mobile only)

Bill Payer

Payments specialist

Views accounts and sends money via ACH, wire and check.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members.

Issue new cards

View all cards and details (number, cvv, nickname)

Terminate/freeze any card

Assign receipt admins for cards

Set or edit card spending limits

Set backup spending account

Create, manage, or approve spend requests based on defined policies

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

View list of payees

• View list of payees

Manage payees

• Add payees

• Edit payee details

• Archive payees

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Manage bills

• Create bills

• Edit bill fields

• Edit payment fields

• Archive/delete bills

• Run W-9 reports

Manage approval rules

• Create/edit/delete rules

• Add/remove team members

Bill actions

• Schedule/initiate bill payments

• Approve or reject bills

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Edit expense fields (memos, vendors, categories)

Upload receipts

Create/edit/delete accounting categorization rules

Nudge cardholder for missing receipts

Sync or ignore expenses to accounting systems

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Invoice management

• View, download, share invoices and requests

• Create, edit, cancel, duplicate, or change status

• Create, edit, or cancel recurring invoices

Payment requests

• View, download, share payment links

• Can create, modify, and cancel payment links

Manage customers

• View customer list

• Add, edit, or delete customers

Settings & branding

• Set default payout account

• Set invoice branding

• Edit invoice business info such as address, contact email, DBA

• Create and manage tax rates

• Create and manage discount types

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

Manage team

• View team members

• Add team members

• Remove team members

• Add advisors

• Remove advisors

• Assign and change permissions

Sync & import via integrations

• Sync or import vendors and unpaid bills

• View accounting integrations (QBO, Xero, etc.)

• View other integrations (Gusto, etc.)

Configure or disconnect integrations

• Configure accounting integrations

• Edit accounting mapping

• Enable and disable accounting fields sync

• Configure other integrations (Gusto, etc.)

• Disconnect integrations

Manage receipt policy

• Manage receipt policy

View business information

• View business info (read only)

Manage subscription & billing

• Change subscription tier

• Change billing account

• Download invoices

Send, move, and track money Account selection required

Control which accounts they can make payments, transfers, deposits, and view.

Create new accounts (checking or savings)

Delete accounts

Select accounts, for each account user can:

View only (view balance, transactions, account details)

• View account balance

• View transactions

• View account details

Download account info

• Download account statements

• Download account documents

Make payment (send money)

• Create ACH payment

• Create check payment

• Create wire payment

• Create international wire payment

• Schedule/edit recurring transfers/payments

Make transfers (move money)

• Transfer between internal accounts

• Transfer to/from external accounts

• Add funds

Make check deposits (mobile only)

Cardholder

Card user

Views and manages their own assigned card and transactions only.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members.

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

Send, move, and track money

Control which accounts they can make payments, transfers, deposits, and view.

Has no account access

Deposit Only

Depositor

Views assigned accounts and submits check deposits.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members.

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

View list of payees

• View list of payees

Manage payees

• Add payees

• Edit payee details

• Archive payees

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

Send, move, and track money Account selection required

Control which accounts they can make payments, transfers, deposits, and view.

Create new accounts (checking or savings)

Delete accounts

Select accounts, for each account user can:

View only (view balance, transactions, account details)

• View account balance

• View transactions

• View account details

Download account info

• Download account statements

• Download account documents

Make payment (send money)

• Create ACH payment

• Create check payment

• Create wire payment

• Create international wire payment

• Schedule/edit recurring transfers/payments

Make transfers (move money)

• Transfer between internal accounts

• Transfer to/from external accounts

• Add funds

Make check deposits (mobile only)

Read Only

Viewer

Views transactions, statements and integrations. No write actions.

Member manages their account & card

Manage their own account info and card. If issued a card, they can spend, submit receipts, and track their own transactions.

Basic info

• View login sessions

• Change own email, phone, address, auth settings

Individual cardholder

• View own card details and transactions

• Upload receipts for own card

• Freeze/unfreeze own card

• Categorize own expenses (memo, vendors, categories)

Issue & manage company cards

Issue and control cards assigned to team members.

Manage vendor & payees

Control which vendors a user can add, edit, or delete/archive.

View list of payees

• View list of payees

Manage payees

• Add payees

• Edit payee details

• Archive payees

Review & approve bills

Control bill workflows: creating, reviewing, and approving company bills.

Categorize & sync expenses

Review, categorize, and sync team transactions to accounting.

Create & send invoices

Create and send invoices, manage customers, and update invoice settings and branding.

Manage the organization

Controls to manage team, integrations, billing, policies, and system-wide settings.

View integrations (read only)

• View accounting integrations (QBO, Xero, etc.)

• View accounting mapping

• View accounting fields sync status

• View synced vendors and bills

• View other integrations (Gusto, etc.)

Manage team

• View team members

• Add team members

• Remove team members

• Add advisors

• Remove advisors

• Assign and change permissions

Manage receipt policy

• Manage receipt policy

Manage business, subscription & billing

• Change business info

• Change subscription tier

• Change billing account

• Download invoices

Send, move, and track money Account selection required

Control which accounts they can make payments, transfers, deposits, and view.

Create new accounts (checking or savings)

Delete accounts

Select accounts, for each account user can:

View only (view balance, transactions, account details)

• View account balance

• View transactions

• View account details

Download account info

• Download account statements

• Download account documents

Make payment (send money)

• Create ACH payment

• Create check payment

• Create wire payment

• Create international wire payment

• Schedule/edit recurring transfers/payments

Make transfers (move money)

• Transfer between internal accounts

• Transfer to/from external accounts

• Add funds

Make check deposits (mobile only)

Compare Team Member Permissions

Select roles below to see a direct comparison of their permissions, or use the Show all permissions button to view all roles at once.

Compare:

AdminManagerBill PayerCardholderDeposit OnlyRead Only

Show all

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

Adding additional business owners

For more information on how to add additional business owners to your Relay account, who weren't already added during registration, please see Adjusting your business ownership structure.

Which permission levels can receive payments?

The names under which payments can be received are not determined by a user's permission level. Payments can only be received under the name of the beneficial owner(s) on file, the business name, or any Doing Business As (DBA) name as it appears in Relay.

Can you edit permission levels?

Yes, once a team member has set up their account, you can edit a user's permission level by following the steps outlined in this article.

Can you customize permission levels?

Yes, permission levels can be customized to work outside of the existing presets. See Creating custom roles in Relay for more details!

What about my accountant or bookkeeper?

Permission levels vary for team members and advisors (e.g., your accountant or bookkeeper). For more information on advisor permissions, please see Advisor permissions in client accounts.

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