In Relay, business owners can grant advisors (e.g., accountants/bookkeepers) access to their accounts. For instructions on how to invite advisors to your Relay account, please see Inviting team members and advisors to Relay.
When an advisor is invited to join a business owner's Relay account, they will need to create their own unique login, and the functions that an advisor can perform (i.e., the advisor’s permissions) can be modified and managed by the business owner within their own account.
Below is a breakdown of the five different permission levels for advisors in Relay; an advisor's permission level will be assigned to them when a business owner invites them to their account.
Super Admin
Full control
Admin + money movement and bill pay capabilities.
Admin
Firm administrator
Manager + card management, account control, and full client
and staff management.
Manager
Advisor manager
View access plus integration management. May be able to
initiate approved bill workflows.
Bill Payer
Payments specialist
Views client accounts and can initiate payments. Does not
manage clients, staff, cards, or firm settings.
Read Only
Viewer
Views client accounts, cards, transactions, and integrations.
No write actions.
Views client accounts, cards, transactions, and integrations. No write actions.
Member manages their account & card
Manage their own account info and card.
If issued a card, they can spend, submit
receipts, and track their own transactions.
Basic info
- View login sessions
- Change own email, phone, address, auth settings
Individual cardholder
- View own card details and transactions
- Upload receipts for own card
- Freeze/unfreeze own card
- Categorize own expenses (memo, vendors, categories)
Issue & manage company cards
Issue and control cards assigned to team
members. Give permission to issue, update,
or manage team cards.
Issue new cards
View all cards and details (number, cvv, nickname)
Terminate/freeze any card
Assign receipt admins for cards
Set or edit card spending limits
Set backup spending account
Create, manage, or approve spend requests based on defined policies
Manage vendor & payees
Control which vendors a user can add,
edit, or delete/archive.
View list of payees
- View list of payees
Manage payees
- Add payees
- Edit payee details
- Archive payees
Review & approve bills
Control bill workflows: creating, reviewing,
and approving company bills.
Manage bills
- Create bills
- Edit bill fields
- Edit payment fields
- Archive/delete bills
- Run W-9 reports
Manage approval rules
- Create/edit/delete rules
- Add/remove team members
Bill actions
- Schedule/initiate bill payments
- Approve or reject bills
Categorize & sync expenses
Review, categorize, and sync team transactions
to accounting.
Edit expense fields (memos, vendors, categories)
Upload receipts
Create/edit/delete accounting categorization rules
Nudge cardholder for missing receipts
Sync or ignore expenses to accounting systems
Create & send invoices
Create and send invoices, manage customers,
and update invoice settings and branding.
Invoice management
- View, download, share invoices and requests
- Create, edit, cancel, duplicate, or change status
- Create, edit, or cancel recurring invoices
Payment requests
- View, download, share payment links
- Can create, modify, and cancel payment links
Manage customers
- View customer list
- Add, edit, or delete customers
Settings & branding
- Set default payout account
- Set invoice branding
- Edit invoice business info such as address, contact email, DBA
- Create and manage tax rates
- Create and manage discount types
Manage the organization
Controls to manage team, integrations,
billing, policies, and system-wide settings.
Manage team
- View team members
- Add team members
- Remove team members
- Add advisors
- Remove advisors
- Assign and change permissions
Manage integrations
- Configure accounting integrations (QBO, Xero, etc.)
- Edit accounting mapping
- Enable and disable accounting fields sync
- Sync or import vendors and unpaid bills
- Configure other integrations (Gusto, etc.)
- Disconnect integrations
Manage receipt policy
- Manage receipt policy
Manage business, subscription & billing
- Change business info
- Change subscription tier
- Change billing account
- Download invoices
Send, move, and track money
Control which accounts they can make
payments, transfers, deposits, and view.
Create new accounts (checking or savings)
Delete accounts
Select accounts, for each account user can:
View only (view balance, transactions, account details)
- View account balance
- View transactions
- View account details
Download account info
- Download account statements
- Download account documents
Make payment (send money)
- Create ACH payment
- Create check payment
- Create wire payment
- Create international wire payment
- Schedule/edit recurring transfers/payments
Make transfers (move money)
- Transfer between internal accounts
- Transfer to/from external accounts
- Add funds
Make check deposits (mobile only)
Has access to all accounts
View access plus integration management. May be able to initiate approved bill workflows.
Member manages their account & card
Manage their own account info and card.
If issued a card, they can spend, submit
receipts, and track their own transactions.
Basic info
- View login sessions
- Change own email, phone, address, auth settings
Individual cardholder
- View own card details and transactions
- Upload receipts for own card
- Freeze/unfreeze own card
- Categorize own expenses (memo, vendors, categories)
Issue & manage company cards
Issue and control cards assigned to team
members. Give permission to issue, update,
or manage team cards.
Issue new cards
View all cards and details (number, cvv, nickname)
Terminate/freeze any card
Assign receipt admins for cards
Set or edit card spending limits
Set backup spending account
Create, manage, or approve spend requests based on defined policies
Manage vendor & payees
Control which vendors a user can add,
edit, or delete/archive.
View list of payees
- View list of payees
Manage payees
- Add payees
- Edit payee details
- Archive payees
Review & approve bills
Control bill workflows: creating, reviewing,
and approving company bills.
Manage bills
- Create bills
- Edit bill fields
- Edit payment fields
- Archive/delete bills
- Run W-9 reports
Manage approval rules
- Create/edit/delete rules
- Add/remove team members
Bill actions
- Schedule/initiate bill payments
- Approve or reject bills
Categorize & sync expenses
Review, categorize, and sync team transactions
to accounting.
Edit expense fields (memos, vendors, categories)
Upload receipts
Create/edit/delete accounting categorization rules
Nudge cardholder for missing receipts
Sync or ignore expenses to accounting systems
Create & send invoices
Create and send invoices, manage customers,
and update invoice settings and branding.
Invoice management
- View, download, share invoices and requests
- Create, edit, cancel, duplicate, or change status
- Create, edit, or cancel recurring invoices
Payment requests
- View, download, share payment links
- Can create, modify, and cancel payment links
Manage customers
- View customer list
- Add, edit, or delete customers
Settings & branding
- Set default payout account
- Set invoice branding
- Edit invoice business info such as address, contact email, DBA
- Create and manage tax rates
- Create and manage discount types
Manage the organization
Controls to manage team, integrations,
billing, policies, and system-wide settings.
Manage team
- View team members
- Add team members
- Remove team members
- Add advisors
- Remove advisors
- Assign and change permissions
Manage integrations
- Configure accounting integrations (QBO, Xero, etc.)
- Edit accounting mapping
- Enable and disable accounting fields sync
- Sync or import vendors and unpaid bills
- Configure other integrations (Gusto, etc.)
- Disconnect integrations
Manage receipt policy
- Manage receipt policy
Manage business, subscription & billing
- Change business info
- Change subscription tier
- Change billing account
- Download invoices
Send, move, and track money
Control which accounts they can make
payments, transfers, deposits, and view.
Create new accounts (checking or savings)
Delete accounts
Select accounts, for each account user can:
View only (view balance, transactions, account details)
- View account balance
- View transactions
- View account details
Download account info
- Download account statements
- Download account documents
Make payment (send money)
- Create ACH payment
- Create check payment
- Create wire payment
- Create international wire payment
- Schedule/edit recurring transfers/payments
Make transfers (move money)
- Transfer between internal accounts
- Transfer to/from external accounts
- Add funds
Make check deposits (mobile only)
Has access to all accounts
Views client accounts and can initiate payments. Does not manage clients, staff, cards, or firm settings.
Member manages their account & card
Manage their own account info and card.
If issued a card, they can spend, submit
receipts, and track their own transactions.
Basic info
- View login sessions
- Change own email, phone, address, auth settings
Individual cardholder
- View own card details and transactions
- Upload receipts for own card
- Freeze/unfreeze own card
- Categorize own expenses (memo, vendors, categories)
Issue & manage company cards
Issue and control cards assigned to team
members. Give permission to issue, update,
or manage team cards.
Issue new cards
View all cards and details (number, cvv, nickname)
Terminate/freeze any card
Assign receipt admins for cards
Set or edit card spending limits
Set backup spending account
Create, manage, or approve spend requests based on defined policies
Manage vendor & payees
Control which vendors a user can add,
edit, or delete/archive.
View list of payees
- View list of payees
Manage payees
- Add payees
- Edit payee details
- Archive payees
Review & approve bills
Control bill workflows: creating, reviewing,
and approving company bills.
Manage bills
- Create bills
- Edit bill fields
- Edit payment fields
- Archive/delete bills
- Run W-9 reports
Manage approval rules
- Create/edit/delete rules
- Add/remove team members
Bill actions
- Schedule/initiate bill payments
- Approve or reject bills
Categorize & sync expenses
Review, categorize, and sync team transactions
to accounting.
Edit expense fields (memos, vendors, categories)
Upload receipts
Create/edit/delete accounting categorization rules
Nudge cardholder for missing receipts
Sync or ignore expenses to accounting systems
Create & send invoices
Create and send invoices, manage customers,
and update invoice settings and branding.
Invoice management
- View, download, share invoices and requests
- Create, edit, cancel, duplicate, or change status
- Create, edit, or cancel recurring invoices
Payment requests
- View, download, share payment links
- Can create, modify, and cancel payment links
Manage customers
- View customer list
- Add, edit, or delete customers
Settings & branding
- Set default payout account
- Set invoice branding
- Edit invoice business info such as address, contact email, DBA
- Create and manage tax rates
- Create and manage discount types
Manage the organization
Controls to manage team, integrations,
billing, policies, and system-wide settings.
Manage team
- View team members
- Add team members
- Remove team members
- Add advisors
- Remove advisors
- Assign and change permissions
Manage integrations
- Configure accounting integrations (QBO, Xero, etc.)
- Edit accounting mapping
- Enable and disable accounting fields sync
- Sync or import vendors and unpaid bills
- Configure other integrations (Gusto, etc.)
- Disconnect integrations
Manage receipt policy
- Manage receipt policy
Manage business, subscription & billing
- Change business info
- Change subscription tier
- Change billing account
- Download invoices
Send, move, and track money
Control which accounts they can make
payments, transfers, deposits, and view.
Create new accounts (checking or savings)
Delete accounts
Select accounts, for each account user can:
View only (view balance, transactions, account details)
- View account balance
- View transactions
- View account details
Download account info
- Download account statements
- Download account documents
Make payment (send money)
- Create ACH payment
- Create check payment
- Create wire payment
- Create international wire payment
- Schedule/edit recurring transfers/payments
Make transfers (move money)
- Transfer between internal accounts
- Transfer to/from external accounts
- Add funds
Make check deposits (mobile only)
Has access to all accounts
Manager + card management, account control, and full client and staff management. Cannot send payments — use Super Admin for money movement.
Member manages their account & card
Manage their own account info and card.
If issued a card, they can spend, submit
receipts, and track their own transactions.
Basic info
- View login sessions
- Change own email, phone, address, auth settings
Individual cardholder
- View own card details and transactions
- Upload receipts for own card
- Freeze/unfreeze own card
- Categorize own expenses (memo, vendors, categories)
Issue & manage company cards
Issue and control cards assigned to team
members. Give permission to issue, update,
or manage team cards.
Issue new cards
View all cards and details (number, cvv, nickname)
Terminate/freeze any card
Assign receipt admins for cards
Set or edit card spending limits
Set backup spending account
Create, manage, or approve spend requests based on defined policies
Manage vendor & payees
Control which vendors a user can add,
edit, or delete/archive.
View list of payees
- View list of payees
Manage payees
- Add payees
- Edit payee details
- Archive payees
Review & approve bills
Control bill workflows: creating, reviewing,
and approving company bills.
Manage bills
- Create bills
- Edit bill fields
- Edit payment fields
- Archive/delete bills
- Run W-9 reports
Manage approval rules
- Create/edit/delete rules
- Add/remove team members
Bill actions
- Schedule/initiate bill payments
- Approve or reject bills
Categorize & sync expenses
Review, categorize, and sync team transactions
to accounting.
Edit expense fields (memos, vendors, categories)
Upload receipts
Create/edit/delete accounting categorization rules
Nudge cardholder for missing receipts
Sync or ignore expenses to accounting systems
Create & send invoices
Create and send invoices, manage customers,
and update invoice settings and branding.
Invoice management
- View, download, share invoices and requests
- Create, edit, cancel, duplicate, or change status
- Create, edit, or cancel recurring invoices
Payment requests
- View, download, share payment links
- Can create, modify, and cancel payment links
Manage customers
- View customer list
- Add, edit, or delete customers
Settings & branding
- Set default payout account
- Set invoice branding
- Edit invoice business info such as address, contact email, DBA
- Create and manage tax rates
- Create and manage discount types
Manage the organization
Controls to manage team, integrations,
billing, policies, and system-wide settings.
Manage team
- View team members
- Add team members
- Remove team members
- Add advisors
- Remove advisors
- Assign and change permissions
Manage integrations
- Configure accounting integrations (QBO, Xero, etc.)
- Edit accounting mapping
- Enable and disable accounting fields sync
- Sync or import vendors and unpaid bills
- Configure other integrations (Gusto, etc.)
- Disconnect integrations
Manage receipt policy
- Manage receipt policy
Manage business, subscription & billing
- Change business info
- Change subscription tier
- Change billing account
- Download invoices
Send, move, and track money
Control which accounts they can make
payments, transfers, deposits, and view.
Create new accounts (checking or savings)
Delete accounts
Select accounts, for each account user can:
View only (view balance, transactions, account details)
- View account balance
- View transactions
- View account details
Download account info
- Download account statements
- Download account documents
Make payment (send money)
- Create ACH payment
- Create check payment
- Create wire payment
- Create international wire payment
- Schedule/edit recurring transfers/payments
Make transfers (move money)
- Transfer between internal accounts
- Transfer to/from external accounts
- Add funds
Make check deposits (mobile only)
Has access to all accounts
Admin + money movement and bill pay capabilities. Has access to all accounts.
Member manages their account & card
Manage their own account info and card.
If issued a card, they can spend, submit
receipts, and track their own transactions.
Basic info
- View login sessions
- Change own email, phone, address, auth settings
Individual cardholder
- View own card details and transactions
- Upload receipts for own card
- Freeze/unfreeze own card
- Categorize own expenses (memo, vendors, categories)
Issue & manage company cards
Issue and control cards assigned to team
members. Give permission to issue, update,
or manage team cards.
Issue new cards
View all cards and details (number, cvv, nickname)
Terminate/freeze any card
Assign receipt admins for cards
Set or edit card spending limits
Set backup spending account
Create, manage, or approve spend requests based on defined policies
Manage vendor & payees
Control which vendors a user can add,
edit, or delete/archive.
View list of payees
- View list of payees
Manage payees
- Add payees
- Edit payee details
- Archive payees
Review & approve bills
Control bill workflows: creating, reviewing,
and approving company bills.
Manage bills
- Create bills
- Edit bill fields
- Edit payment fields
- Archive/delete bills
- Run W-9 reports
Manage approval rules
- Create/edit/delete rules
- Add/remove team members
Bill actions
- Schedule/initiate bill payments
- Approve or reject bills
Categorize & sync expenses
Review, categorize, and sync team transactions
to accounting.
Edit expense fields (memos, vendors, categories)
Upload receipts
Create/edit/delete accounting categorization rules
Nudge cardholder for missing receipts
Sync or ignore expenses to accounting systems
Create & send invoices
Create and send invoices, manage customers,
and update invoice settings and branding.
Invoice management
- View, download, share invoices and requests
- Create, edit, cancel, duplicate, or change status
- Create, edit, or cancel recurring invoices
Payment requests
- View, download, share payment links
- Can create, modify, and cancel payment links
Manage customers
- View customer list
- Add, edit, or delete customers
Settings & branding
- Set default payout account
- Set invoice branding
- Edit invoice business info such as address, contact email, DBA
- Create and manage tax rates
- Create and manage discount types
Manage the organization
Controls to manage team, integrations,
billing, policies, and system-wide settings.
Manage team
- View team members
- Add team members
- Remove team members
- Add advisors
- Remove advisors
- Assign and change permissions
Manage integrations
- Configure accounting integrations (QBO, Xero, etc.)
- Edit accounting mapping
- Enable and disable accounting fields sync
- Sync or import vendors and unpaid bills
- Configure other integrations (Gusto, etc.)
- Disconnect integrations
Manage receipt policy
- Manage receipt policy
Manage business, subscription & billing
- Change business info
- Change subscription tier
- Change billing account
- Download invoices
Send, move, and track money
Has access to all accounts — payments,
transfers, deposits, and full account
management.
Create new accounts (checking or savings)
Delete accounts
For each account, user can:
View only (view balance, transactions, account details)
- View account balance
- View transactions
- View account details
Download account info
- Download account statements
- Download account documents
Make payment (send money)
- Create ACH payment
- Create check payment
- Create wire payment
- Create international wire payment
- Schedule/edit recurring transfers/payments
Make transfers (move money)
- Transfer between internal accounts
- Transfer to/from external accounts
- Add funds
Make check deposits (mobile only)
Has access to all accounts
Compare Advisor Permissions
Select up to three roles below to see a direct comparison of their permissions, or use the Show all permissions button to view all roles at once.
Compare:
| Permission | Super Admin | Admin | Manager | Bill Payer | Read-only |
|---|---|---|---|---|---|
| Account access | |||||
| View account balances, details & statements | ✓ | ✓ | ✓ | ✓ | ✓ |
| View all transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| View card details | ✓ | ✓ | ✓ | — | ✓ |
| Create or delete accounts | ✓ | ✓ | — | — | — |
| View team members | ✓ | ✓ | ✓ | — | ✓ |
| View business information | ✓ | ✓ | ✓ | ✓ | ✓ |
| Edit business information | ✓ | ✓ | — | — | — |
| Payments & transfers | |||||
| Send payments (ACH, wire, check) | ✓ | — | — | — | — |
| Create & manage recurring payments | ✓ | — | — | — | — |
| Initiate approved bill payments * | ✓ | — | ✓ | ✓ | — |
| Cards | |||||
| Issue new cards | ✓ | ✓ | — | — | — |
| View all card details | ✓ | ✓ | ✓ | — | ✓ |
| Edit card limits, freeze & settings | ✓ | ✓ | — | — | — |
| Terminate cards | ✓ | ✓ | — | — | — |
| Integrations | |||||
| View all integrations | ✓ | ✓ | ✓ | ✓ | ✓ |
| Connect & configure accounting integrations | ✓ | ✓ | ✓ | — | — |
| Configure revenue, payroll & general integrations | ✓ | ✓ | ✓ | — | — |
| Disconnect integrations | ✓ | ✓ | ✓ | — | — |
| Manage practice management integrations | ✓ | ✓ | — | — | — |
| Firm management | |||||
| View client list & firm information | ✓ | ✓ | ✓ | ✓ | ✓ |
| Add, edit, or remove clients | ✓ | ✓ | — | — | — |
| Manage staff | ✓ | ✓ | — | — | — |
| Edit firm information | ✓ | ✓ | — | — | — |
✓ = permitted · — = not permitted ·
✓
= limited (approved bills only)
* Manager can only initiate payments tied to pre-approved bills.
Editing permission levels
For detailed instructions on how to edit a team member or advisor's permission level, please see Editing permission levels.
Managing your own staff as an accountant or bookkeeper
Staff members of accounting or bookkeeping firms can also have their permission levels set within their firm's account. Accountants or bookkeepers looking for more information on adding advisor team members to their firm can visit this article, while more information on the permissions available to them can be found in this article.