Relay is launching new subscription plans designed to grow with your business—and as part of this update, the current Relay Pro plan will be transitioning to the new Grow plan on June 30, 2025.
If you're currently on Relay Pro, you'll automatically be moved to Grow—at the same monthly cost—but with added tools to help you manage growing cash flow complexity, streamline operations, and stay in control of your finances.
Here’s a breakdown of what’s changing and what you can expect with the Grow plan.
What’s Staying the Same?
Grow keeps all the capabilities that Relay Pro users are familiar with:
- $30/month subscription fee
- Up to 20 checking accounts
- 2 savings accounts
- Free standard ACH transfers
- Receipt capture and expense categorization
- Debit and credit cards with custom spending limits
- Integrations with QuickBooks Online, Xero, Gusto, Plaid, and Yodlee
- Free mailed checks and ATM withdrawals (AllPoint network)
You’ll continue to have the same visibility into your business’s finances—but Grow adds even more functionality for managing scale.
Feature |
Relay Pro (Current) |
Grow Plan (New) |
|---|---|---|
| Monthly Cost | $30 | $30 |
| Checking Accounts | 20 | 20 |
| Savings Accounts | 2 | 2 |
| APY (Savings) | 1.03%-3.03% (Varied by Account Balance) | 1.75% (Flat Rate) |
| Credit Card Cash Back | 1.50% | 1.25% |
| Standard ACH Transfers | Free | Free |
| Same-Day ACH | $0 | $3 |
| Domestic Wire Transfers | $0 | $5 |
| International Wires (Local Network) | $5 | $3 |
| International Wires (SWIFT) | $25 | $22 |
| Pay-by-Bank Fee | 1% | 0.75% |
| Accounting Integrations | QBO & Xero | QBO & Xero + Gusto, Plaid, Yodlee |
| Bill Pay | Basic bill creation & payment, Approval Rules | Partial payments, AI-powered categorization |
| Expenses | Manual controls | Adds automated categorization, receipt rules, spend limits |
| Invoicing | Standard Payment Requests | Built-in invoicing tools (branded/recurring/partial invoicing coming soon) |
| Priority Support | No | No |
| Partner Perks | No | No |
| Upgrade Path | N/A | Upgrade to Scale for more features, better rates, and perks |
What’s New in the Grow Plan?
The Grow plan builds on Relay Pro with powerful tools designed for businesses managing teams, vendors, and more complex finances. Here’s what you’re getting:
Advanced Bill Pay Controls
- Partial payments: Pay only what’s needed, when it’s needed
- Batched payments: Pay multiple vendors at once (coming soon)
Smarter Expense Management
- AI-powered categorization: Let Relay automatically categorize expenses for faster books
- Custom categorization rules: Get more accurate records without the manual work
- Spend insights dashboard: Coming soon to help you identify spending trends
Invoicing Tools
- Create & send invoices directly from Relay
- Accept payments by card, ACH, wire, and pay-by-bank
- Recurring invoices and branded requests (coming soon)
What Features Are Still Exclusive to Scale?
Grow includes a full suite of tools for expanding businesses, but some premium features are only available on the Scale plan, including:
- Up to 50 checking accounts
- Partner perks (like 6 months of Xero free, Engine cashback)
- 10 free same-day ACH transfers per month
- Spend dashboards, custom CSV exports, and advanced automation (coming soon)
- Priority Support: Skip the line with priority access. Contact our support team directly via support@relayfi.com or by phone (1-888-205-9304). Support is available Monday–Friday, 9:00am–8:00pm ET.
Why the Change from Pro to Grow?
We designed Grow to be more than a renamed version of Pro. It’s a true upgrade, built around the challenges growing businesses face—like managing cash flow across a team, keeping spending in check, and staying organized as vendors and payments multiply.
Instead of banking being a task on your to-do list, Grow turns it into a system that supports your operations—without losing the hands-on control that’s helped you succeed so far.
What Do I Need to Do?
Nothing! If you're on Relay Pro, your account will move to the Grow plan automatically on June 30, 2025.
Want to upgrade sooner? You can opt into Grow today by heading to Settings > Plans and Billing in your Relay account.
Have Questions?
Our support team is always happy to help you make the most of the new Grow plan. Get in touch with us to walk through features, benefits, and whether Grow is right for your business.