specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Relay
providerId: relay-financial
created: '2026-06-20'
modified: '2026-06-20'
reconciled: true
tags:
- Business Banking
- Fintech
- SMB
- Cash Flow
- Bill Pay
- Plans
description: >-
  Relay sells software subscription plans bundled with its business banking
  product, not API access. Pricing is published as flat monthly subscription
  tiers - Starter (free), Grow, and Scale - that unlock progressively more
  cash-flow automation, higher savings APY, higher card cash-back, and more
  checking accounts. These plans are reconciled against Relay's public pricing
  page. There is no developer API plan because Relay does not expose a public
  API.
notes: >-
  Plan names and prices reflect Relay's public pricing page as of 2026-06-20.
  Relay previously offered Standard (free) and Pro ($30/mo) plans; current
  tiers are Starter, Grow, and Scale. The Scale price ($90/mo) is noted on the
  pricing page as discounted for a limited time (from $120/mo). Verify current
  pricing on the Relay pricing page.
sources:
- https://relayfi.com/pricing/
- https://support.relayfi.com/hc/en-us/articles/38053164262804-Overview-of-Relay-Subscription-Plans
plans:
- id: relay-starter
  name: Starter
  type: flat
  description: >-
    Free tier for solopreneurs and businesses just getting started, with the
    essential banking and cash-flow tools. Includes up to 20 checking accounts
    per business and accounting integrations.
  entries:
  - label: Starter Subscription
    name: starter
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: $0/mo
    userMultiplied: false
  elements:
  - name: Up to 20 checking accounts
  - name: Virtual and physical Visa debit cards
  - name: Bill pay / accounts payable
  - name: QuickBooks Online, Xero, and Gusto integrations
  - name: Savings APY (1.11%)
- id: relay-grow
  name: Grow
  type: flat
  description: >-
    For small teams with growing cash-flow complexity. Adds bill approval
    workflows, bookkeeping automation, and batch vendor payments. Formerly the
    Pro plan at the same monthly rate.
  entries:
  - label: Grow Subscription
    name: grow
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: $30/mo
    userMultiplied: false
  elements:
  - name: Everything in Starter
  - name: Bill approval workflows
  - name: Bookkeeping automation
  - name: Batch vendor payments
  - name: Higher savings APY (1.75%)
  - name: Credit card cash back (1.25%)
- id: relay-scale
  name: Scale
  type: flat
  description: >-
    For larger teams that want to scale faster, with the most advanced
    automation, best rates, and partner perks. Includes up to 50 checking
    accounts and same-day ACH allotments.
  entries:
  - label: Scale Subscription
    name: scale
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: $90/mo (limited-time, from $120/mo)
    userMultiplied: false
  elements:
  - name: Everything in Grow
  - name: Up to 50 checking accounts
  - name: 10 free monthly same-day ACH transfers
  - name: Bill payment automation
  - name: Cash flow forecasting
  - name: Highest savings APY (3.00%)
  - name: Credit card cash back (1.5%)
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com