Today, we're launching new plans and pricing that are designed for each stage of your cash flow journey, along with exciting accounts payable features to create, approve, categorize, and pay your bills.
Core banking services at Relay will always remain free, while our new plans deliver powerful financial software that grows with your business—helping you gain clarity, control, and ultimately, greater profitability.
Starting April 29th, 2025, our monthly subscription offerings will change, offering more value and flexibility across three plans. For more information on what the new subscription plans offer, please view: Overview of Relay Subscription Plans
Sections in this article
- What are the biggest changes to Relay
- Overview of Relay Subscription Plans
- Effective dates for the new plans
- How does this affect Accountants and Bookkeepers?
- Frequently Asked Questions
What are the biggest changes to Relay
The two biggest changes to our plans are:
1) Core financial workflows to manage, approve, and categorize your Expenses and Bills are now free in the Starter plan
2) We have updated our APY, credit card cash back rates, and incoming and outgoing payment processing fees for each plan.
Effective dates for the new plans
- The new pricing and plans are available for all new Relay customers on April 29th, 2025.
- If you are currently a Relay Standard (free) user, your account will be automatically migrated to the Starter plan on May 30th, 2025.
- If you are currently subscribed to Relay Pro, your plan will be automatically migrated to the Grow plan on June 30th, 2025.
- You can switch to a different plan anytime through your account settings under Settings > Billing
How does this affect Accountants and Bookkeepers?
An accountant or bookkeeper who previously received Relay Pro for free will continue to receive the Grow plan subscription for free.
Additionally, businesses that receive a discounted rate through our partner program will retain their discount, depending on whether they choose the Grow or Scale plan. No action is required—your plan will automatically switch to the Grow plan on June 30th, 2025
Frequently Asked Questions
Can I change my plan anytime?
Yes! You can upgrade or cancel your plan at any time by going to Settings>Plans and Billing.
What happens if I decide to cancel my subscription?
If you want to cancel your Grow or Scale subscription, your plan will not renew on your billing cycle date. You will lose access to any benefits from your Grow or Scale subscription at the end of your billing period.
What happens if I upgrade my plan from Grow to Scale during my subscription?
You will be charged the full monthly fee starting the date you decide to upgrade until you cancel your subscription. You will then be immediately reimbursed for a prorated amount equal to the remainder of your existing subscription period, if any, upon upgrade to a new plan.
How does this affect the interest earned in my Savings Accounts?
Previously, the APY earned by your Savings account varied between 1.75%-3.76% and was determined by your average monthly account balance.
Going forward, APY will be determined by your subscription plan.
Starter |
Grow |
Scale |
|---|---|---|
| 1.03% | 1.75% | 3.03% |
How does this affect the Cash Back earned on my Relay Visa® Credit Card?
Going forward, the cash back earned on your Relay Visa® Credit Card will also be determined by your subscription plan.
Starter |
Grow |
Scale |
|---|---|---|
| 1.00% | 1.25% | 1.50% |
How does this affect payment processing fees?
Feature |
Starter |
Grow |
Scale |
|---|---|---|---|
| Standard ACH Payments | $0 | $0 | $0 |
| Same-day ACH | $5 | $3 | 10 free, then $1 each |
| Domestic Wires | $8 | $5 | $5 |
| Local Network International Wires | $5 | $3 | $1.50 |
| SWIFT Network International Wires | $25 | $22 | $20 |
| Currency Exchange | As low as 1.00% | As low as 1.00% | As low as 1.00% |
| Online Card Payment Fee | 2.9% + $0.30 | 2.9% + $0.30 | 2.9% + $0.30 |
| Pay-by-Bank Fee | 1.00% | 0.75% | 0.50% |
| Domestic Wires Request | $5 per incoming wire | $5 per incoming wire | $5 per incoming wire |
How do I contact support for assistance?
If you’d like help selecting the best plan for your needs, contact our teams by viewing our article Talk to our Customer Experience Team.