specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Relay
providerId: relay-financial
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Business Banking
- Fintech
- SMB
- Cash Flow
- Bill Pay
- Rate Limiting
- Quotas
- Throttling
description: >-
  Relay does not publish a public developer API, so there is no documented API
  rate-limiting, quota, or throttling policy to reconcile. Any operational
  limits that exist are product-level (for example, the number of checking
  accounts per plan, batch payment sizes, or same-day ACH allotments) rather
  than HTTP API rate limits. This artifact is unreconciled and records the
  absence of a public API rate-limit policy.
notes: >-
  No API rate-limit documentation exists as of 2026-06-20 because Relay has no
  public API. Product-tier limits (checking-account counts, same-day ACH
  allotments) are captured in the plans artifact, not here. Revisit if Relay
  launches a developer or partner API.
sources:
- https://relayfi.com/
- https://relayfi.com/pricing/
- https://support.relayfi.com/hc/en-us
responseCodes:
  throttled: not applicable
limits:
- name: Public API Rate Limit
  scope: not applicable
  metric: not applicable
  limit: no public API documented
  notes: Relay does not expose a public developer API; no HTTP rate limits are published.
policies:
- name: No Public API
  description: >-
    As of the review date Relay publishes no developer API and therefore no API
    rate-limiting or quota policy. Product-tier feature limits are governed by
    subscription plan, not API throttling.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com