Relay Bill Pay
Relay Bill Pay is an accounts-payable workflow built into Relay accounts for collecting invoices, routing approvals and paying vendors.
What Relay Bill Pay is
Relay Bill Pay is an accounts-payable workflow built into Relay accounts for collecting invoices, routing approvals and paying vendors. Bills can be uploaded, forwarded to a dedicated Bill Pay inbox, or imported from QuickBooks Online or Xero. Relay extracts vendor, amount, invoice date, due date and line-item details for dashboard review. Administrator, approver and contributor roles support approval rules before payment. Bills can be paid from a Relay account by ACH, check, or domestic and international wire. Starter is free with 20 checking accounts. Grow costs $30 a month and adds batched vendor payments, bookkeeping automations, multi-step approval rules and unlimited users. Mobile apps support iOS and Android; several management tasks remain web-only.
Good
- Free Starter plan
- ACH, check and wire payments
- Invoice detail extraction
- Approval roles and rules
- iOS, Android and web access
Watch out
- Some tasks are web-only
- Batched payments start on Grow
- Advanced functions are coming soon
- Relay is not an FDIC-insured bank
Who it suits
It suits small-business owners, bookkeepers, accountants and teams that pay vendors. It is useful for organizations wanting invoice intake, approvals and payments within Relay accounts.
Verdict
Relay Bill Pay combines invoice capture, approval routing and vendor payments in one Relay workflow. The free Starter tier covers core processing, while higher plans add batching, automation and larger account allowances.
Plans and prices
From Relay Bill Pay's own pricing page, checked 30 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Grow | $30 a month | Everything in Starter · batched vendor payments · bookkeeping automations · multi-step approval rules · unlimited users · $30/month |
| Scale | $90 a month | Everything in Grow · bill payment automation · 50 checking accounts per business · no fee for same-day ACH · unlimited users · ~~$120~~ $90/month (limited-time discount) |
| Starter | — | 20 checking accounts · bill creation, intake and management · multi-step bill approval rules · QuickBooks Online and Xero connections · unlimited users · $0/month |
The facts
Each one read from Relay Bill Pay's own pages, with the date it was checked.
What it does
- Accounting integrations
- Bill Pay connects with QuickBooks Online and Xero for automatic bill and transaction syncing.checked 30 Sep 2026
- Banking relationship
- Relay says it is a financial technology company, not an FDIC-insured bank, and that banking services are provided by Thread Bank, Member FDIC.checked 30 Sep 2026
- Bill intake
- Users can upload bills, forward invoices to a dedicated Bill Pay inbox, or connect QuickBooks Online or Xero to bring bills into a central dashboard.checked 30 Sep 2026
- Intended users
- Relay describes its platform as business banking and money tools for small businesses, and says Bill Pay suits business owners, bookkeepers, accountants, and vendor-paying teams.checked 30 Sep 2026
- Invoice capture
- aichecked 22 Sep 2026
- Invoice extraction
- Relay extracts invoice details including vendor, amount, invoice date, due date, and line items for review in the dashboard.checked 30 Sep 2026
- Multi-entity support
- Yeschecked 22 Sep 2026
- Paid from
- 30checked 22 Sep 2026
- Payment execution
- Yeschecked 22 Sep 2026
- Payment methods
- Bills can be paid from a Relay account by ACH, check, or wire; the product page specifies domestic and international wires.checked 30 Sep 2026
- Purpose
- Relay Bill Pay is an accounts payable workflow built into Relay accounts for receiving invoices, routing them for approval, and paying vendors.checked 30 Sep 2026
- Security
- Relay says it is SOC 2 Type II certified and offers role-based access controls for employees and advisors.checked 30 Sep 2026
- Support
- Relay says its support specialists are available by email, and its Scale plan includes faster support by phone and email.checked 30 Sep 2026
Where it runs
- Approvals and roles
- Bill Pay has administrator, approver, and contributor roles, and approval rules can route bills for review before payment.checked 30 Sep 2026
- Approval workflows
- Yeschecked 22 Sep 2026
- Mobile app
- Relay’s mobile app is available for iOS and Android, but creating payees, editing team permissions, and running detailed reports are limited to the web app.checked 30 Sep 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
- Plan limits
- All plans include the core bill workflow, while batched vendor payments are included on Grow and Scale; several advanced functions are listed as coming soon.checked 30 Sep 2026
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