Relay lets you choose how clients pay your invoices—by card, ACH debit, wire transfer, or bank transfer. While ACH payments are free across all plans, other methods may include processing fees depending on your Relay subscription.
This article breaks down invoice payment fees by plan and payment method to help you make the best choice for your business.
Payment methods supported for invoices
When sending an invoice with a Payment Request, you can allow one or more of the following payment methods:
- Credit or debit card
- Pay by bank (ACH debit via Plai
- ACH transfer (manual push by your client)
- Wire transfer
You choose accepted payment methods when creating the invoice or set them globally in Settings > Invoices.
Payment fees by plan
| Payment Method | Starter Plan | Grow Plan | Scale Plan |
| Credit/Debit Card | 2.9% + $0.30 per transaction | 2.5% + $0.25 per transaction | 2.2% + $0.20 per transaction |
| Pay by Bank (ACH Debit) | 1.00% | 0.75% | 0.50% |
| ACH Transfer | Free | Free | Free |
| Incoming Wire Transfer | $5 | $5 | $5 |
Relay automatically deducts these fees before depositing the payment into your account.
Payment timelines
| Payment Method | Typical Processing Time |
| Credit/Debit Card | 2–3 business days |
| Pay by Bank (ACH Debit) | 2–3 business days |
| ACH Transfer | 1–2 business days |
| Wire Transfer | Same-day or next business day |
Delays may occur based on the day/time payment is submitted or client bank processing schedules.
Learn more: Payment Requests: Processing Fees, Settlement Timelines & Limits
Tips for minimizing fees
- Encourage clients to pay by ACH transfer for no processing fees
- Offer Pay by Bank (ACH debit) for lower-cost payments that are still fast and easy
- Reserve card payments for convenience or when speed is a priority
- Set preferred payment methods in your invoice settings for consistency