aid: relay-financial
url: https://raw.githubusercontent.com/api-evangelist/relay-financial/refs/heads/main/apis.yml
name: Relay
kind: company
description: Relay is an online business banking and cash-flow management platform for
  small and medium-sized businesses, offering up to 20-50 checking accounts, virtual
  and physical Visa debit/credit cards, accounts payable and bill pay, and one-way
  data integrations with accounting and payroll tools such as QuickBooks Online, Xero,
  and Gusto. Banking services are provided by Thread Bank, Member FDIC. Relay does
  not publish a public developer API; the surfaces below are product features and
  inbound integrations rather than developer-facing APIs.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Business Banking
- Fintech
- SMB
- Cash Flow
- Bill Pay
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.19'
apis:
- aid: relay-financial:relay-business-banking
  name: Relay Business Banking
  tags:
  - Business Banking
  - Checking
  - Savings
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://relayfi.com/
  properties:
  - url: https://relayfi.com/
    type: Documentation
  - url: https://support.relayfi.com/hc/en-us
    type: Documentation
  description: Online business checking and high-yield savings, with up to 20-50 checking
    accounts per business for envelope-style cash management. Delivered as an in-app
    product feature; no public developer API is documented. Banking services provided
    by Thread Bank, Member FDIC.
- aid: relay-financial:relay-cards
  name: Relay Cards
  tags:
  - Cards
  - Virtual Cards
  - Spend Management
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://relayfi.com/
  properties:
  - url: https://relayfi.com/
    type: Documentation
  - url: https://support.relayfi.com/hc/en-us
    type: Documentation
  description: Issuance of virtual and physical Visa debit and credit cards with per-card
    spend limits, role-based controls, and real-time transaction tracking. Card management
    is an in-app feature; no public card-issuing API is documented for third-party
    developers.
- aid: relay-financial:relay-bill-pay
  name: Relay Bill Pay / Accounts Payable
  tags:
  - Bill Pay
  - Accounts Payable
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://relayfi.com/
  properties:
  - url: https://relayfi.com/
    type: Documentation
  - url: https://support.relayfi.com/hc/en-us/articles/36861355472404-Uploading-Bill-Documentation-in-Relay
    type: Documentation
  description: Accounts payable and bill pay workflow - upload bills, route approvals,
    and pay vendors via ACH, check, and wire, including batch vendor payments on higher
    tiers. Operated through the Relay web and mobile apps; no public bill-pay API is
    documented.
- aid: relay-financial:relay-accounting-integrations
  name: Relay Accounting Integrations
  tags:
  - Integrations
  - Accounting
  - QuickBooks
  - Xero
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://relayfi.com/integrations/
  properties:
  - url: https://relayfi.com/integrations/
    type: Documentation
  - url: https://support.relayfi.com/hc/en-us/categories/360002513351-Integrations
    type: Documentation
  description: Native one-way data sync of transaction data and statements into accounting
    and back-office tools - QuickBooks Online, Xero, and Gusto - plus account data
    sharing to third-party money apps via Plaid and Yodlee. These are inbound product
    integrations Relay maintains, not an outbound developer API Relay publishes.
common:
- type: LinkedIn
  url: https://www.linkedin.com/company/relayfi
- type: Website
  url: https://relayfi.com/
- type: Documentation
  url: https://support.relayfi.com/hc/en-us
- type: Plans
  url: plans/relay-financial-plans-pricing.yml
- type: RateLimits
  url: rate-limits/relay-financial-rate-limits.yml
- type: FinOps
  url: finops/relay-financial-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com