Relay offers three subscription plans (Starter Plan, Grow Plan, and Scale Plan) with different Annual Percentage Yield rates, credit card cash back rates, account limits, and payment fees.
Who Relay Subscription Plans are for
Every Relay Account is on one of the three plans. Choose based on the volume of activity you run through Relay and which features you need:
Starter Plan. Solo owners and early-stage businesses running their first Relay Account.
Grow Plan. Small businesses managing higher payment volume, more vendors, or multi-user approval workflows on bill pay.
Scale Plan. Established businesses that want the highest Annual Percentage Yield tier, the most checking accounts under one business, and priority support.
How the plans work
Your plan controls four things about your Relay Account:
Annual Percentage Yield on your savings. Each plan pays a different rate on funds held in Relay's savings accounts.
Cash back on the Relay Visa® Credit Card. Cardholders earn a different cash back percentage on eligible purchases depending on plan.
How many banking accounts you can open under one business. Each plan sets a cap on the number of checking and savings accounts.
Which Bill Pay, Expense Management, and Invoicing features you can use. Higher plans unlock batched vendor payments, custom categorization rules, and other automations.
You can upgrade, downgrade, or cancel at any time from Settings > Plans and Billing in your Relay account.
What is included on each plan?
Feature | Starter Plan | Grow Plan | Scale Plan |
Monthly cost | $0/month | $30/month | $90/month (limited-time discount) $120/month regular |
Annual Percentage Yield on savings | 1.11% | 1.75% | 3.00% |
Relay Visa® Credit Card cash back | 1.00% | 1.25% | 1.50% |
Checking accounts under one business | Up to 20 | Up to 20 | Up to 50 |
Savings accounts | Up to 2 | Up to 2 | Up to 2 |
Standard ACH transfers | Included | Included | Included |
Same-day ACH transfers | $5 each | $3 each | 10 included, then $1 each |
Domestic wires (outgoing) | $8 each | $5 each | $5 each |
International wires (SWIFT) | $25 each | $22 each | $20 each |
Bill Pay | Basic bills and approval rules | Batched vendor payments, partial payments | Advanced controls (bill insights and automated payment release rolling out) |
Expense Management | Daily and monthly card limits, spend policies | Custom categorization rules | Enhanced spend dashboard and auto-lock cards for missing receipts (rolling out) |
Invoicing | Included | Recurring and branded invoices, credit card surcharging | Recurring and branded invoices, credit card surcharging |
Accounting integrations and bank feeds | Included | Included | Included |
Priority support | Not included | Not included | Included |
Partner discounts | Not included | Not included | Six months of Xero for new Xero accounts at no additional charge |
Interest rates, cash back rates, and per-transaction fees are variable and change from time to time. Confirm current values in your Relay account or on the Relay pricing page before making a plan decision.
How do I choose the right plan?
Match the plan to the mechanics of your business, not to a revenue benchmark:
Choose the Starter Plan if you run a small number of vendor payments each month and one or two people touch the account.
Choose the Grow Plan if you batch vendor payments, need custom expense categorization rules, or send recurring invoices to clients.
Choose the Scale Plan if you need more than 20 checking accounts, want the highest Annual Percentage Yield tier, or want priority support.
If your needs shift over a quarter or two, switch plans mid-cycle. The proration handles the billing side.
How do I change my plan?
Change plans from inside your Relay account:
Sign in to your Relay account.
Open Settings.
Select Plans and Billing.
Pick the plan you want to move to and confirm.
Plan changes take effect right away. If you upgrade mid-cycle, you're billed the prorated difference on your next invoice. If you downgrade, the unused portion of the higher plan is credited back.
Frequently asked questions
Can I change plans at any time?
Yes. Upgrades, downgrades, and cancellations all take effect from Settings > Plans and Billing in your Relay account.
Do the Annual Percentage Yield and cash back rates change when I switch plans?
Yes. The Annual Percentage Yield on your savings and your cash back rate on the Relay Visa® Credit Card follow whichever plan you're on. Switch plans and the new rates apply going forward.
Do payment fees change when I switch plans?
Yes. Same-day ACH, domestic wires, and international wires are priced by plan.
What does the Starter Plan cost?
The Starter Plan is $0/month with no time limit and no monthly maintenance fees. You can move to the Grow Plan or the Scale Plan when the additional features are worth the paid tier for your business.
What happens to my accounts if I cancel my paid plan?
Cancelling a paid plan moves you back to the Starter Plan. Your checking and savings accounts, transactions, and integrations stay in place; only the plan-tier features change.
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