Relay is updating its subscription plans starting April 28, 2025, and one of the key changes is the transition from our current free plan—Relay Standard—to a new and improved offering: Relay Starter.
If you’re currently using Relay Standard, you’ll automatically move to the Starter plan on May 30, 2025. The good news? It’s still completely free. Even better: Starter includes new features that give you more control over your business finances from day one.
Here’s how Relay Starter compares to the outgoing Standard plan, and what you can expect with this update.
What's Staying the Same?
The Starter plan keeps all the key functionality Relay Standard users already rely on:
- $0/month subscription
- Up to 20 checking accounts for organizing your cash
- 2 savings accounts, now with 1.03% APY
- Free standard ACH transfers
- Built-in receipt collection and expense categorization
- Debit and credit cards with customizable spend limits
- Accounting integrations with QuickBooks Online and Xero
- Secure online payment tools for card, ACH, and wire transfers
These tools form the financial backbone for thousands of solopreneurs and new businesses. With Starter, they’re not going anywhere.
What’s New in the Starter Plan?
While the price stays the same, Relay Starter introduces additional features to help you manage your finances more efficiently:
Improved Bill Management
Now you can upload, approve, and pay bills directly in Relay—no need to juggle between platforms.
Enhanced Expense Tracking
Starter supports both manual and automated categorization of your expenses, helping you stay audit-ready without extra work.
Invoicing Built-In
Create and send invoices from Relay, and get paid faster. Standard invoicing is included.
What Features Are Still Exclusive to Paid Plans?
While Starter provides a robust set of tools, certain advanced features are only available in the Grow and Scale plans:
- Custom approval rules for bills and payments
- Partial bill payments
- Advanced spend insights and dashboards
- Priority support
- Partner perks (like discounts and cashback bonuses)
If you’re a solo business owner or just starting out, Starter is likely all you need. But as your business grows, you can easily upgrade to access additional features.
| Feature | Relay Standard (Current) | Starter Plan (New – May 30, 2025) |
|---|---|---|
| Monthly Cost | $0 | $0 |
| Checking Accounts | Up to 20 | Up to 20 |
| Savings Accounts | 2 | 2 |
| Savings APY | 1.03%-3.03% (Varied by Account Balance) | 1.03% (Flat Rate) |
| Credit Card Cash Back | 1.50% | 1.00% |
| Standard ACH | Free | Free |
| Same-Day ACH | $5 | $3 |
| Domestic Wires | $5 | $8 |
| Intl Wires (Local / SWIFT) | $5 / $25 | $5 / $25 |
| Pay-by-Bank (ACH Pull) | 1% | 1% |
| Bill Pay | 🚫 | ✅ |
| Expenses | Manual controls | Manual + automated categorization, spend limits, card controls |
| Invoicing | Standard Payment Requests | Standard payment requests and invoicing |
| Receipt Collection | ✅ | ✅ |
| Accounting Integrations | QuickBooks, Xero | QuickBooks, Xero |
| Partner Perks | No | No |
| Priority Support | No | No |
Why We're Making This Change
The shift from Relay Standard to Starter reflects our goal of better aligning our services with the needs of today’s small business owners. With Relay Starter, you’re getting more capability—without added cost.
This change is part of our broader move to introduce three clearly defined subscription plans:
- Starter ($0/month): For solopreneurs and new businesses
- Grow ($30/month): For growing teams who need more control
- Scale (
$120$90/month): For high-revenue businesses managing complex finances
What Do I Need to Do?
Nothing! If you're on Relay Standard, you’ll be automatically moved to the Starter plan on May 30, 2025. Your account features will remain intact, and new features will become available as they roll out.
If you're eager to explore your new tools before then, you can opt into the Starter plan early by visiting your Settings > Plans and Billing in Relay.
Still have questions? Contact our support team—we’re here to help you make the most of these updates.