Incoming payments—including ACH transfers, domestic and international wires, and check deposits—must be sent to a valid name on file with Relay. This helps ensure funds are deposited correctly and without delay. Relay can only receive payments under the following names:
- Your business name (as registered with Relay)
- The name of a Beneficial Owner listed on your account
- Your DBA (Doing Business As) name, if it's been added to your Relay account
Important: Payments sent under any other name may be returned by our banking partners. Returned transfers often come with the message: “Unable to Locate Account (UTLA).”
This applies to:
- ACH payments
- Domestic wires
- Check deposits
⚠️ Note for check deposits: Relay cannot accept any check or payment made out to a name that is not listed on the account—even if you have Power of Attorney (POA) for that individual or business.
⚠️ Note on international wires: These can only be received under your business name or the name of a Beneficial Owner. Relay does not support international wires under a DBA name.
How to receive payments under your DBA name
If you use a DBA (Doing Business As) name and would like to receive payments under it, that name must be listed on your Relay account. Once your DBA is approved and added, it will be eligible for incoming payments just like your business name.
To get started: 👉 Learn how to add a DBA to your Relay account.
Frequently Asked Questions
What happens if a payment is sent under an ineligible name?
If the incoming payment name doesn’t match your business name, a Beneficial Owner, or a verified DBA, the payment may be rejected and returned with the code "UTLA" (Unable to Locate Account).
Can I deposit a check under someone else's name with Power of Attorney?
No. Even with Power of Attorney, Relay cannot accept payments or check deposits made out to any name not officially associated with the account (business name, Beneficial Owner, or DBA).
Can I receive international wires under a DBA name?
No. Relay only accepts international wires sent to your business name or a Beneficial Owner listed on the account. Payments to a DBA name will be rejected for international wires.
Where can I see my eligible payment names?
You can find your business name and any registered DBA names in your account settings. Beneficial Owners are listed during your business onboarding and can be confirmed with our Support team if needed.