Freedom251 › Accounts Payable Software
Relay Bill Pay
What Relay Bill Pay is
Relay Bill Pay is an accounts payable workflow within Relay accounts for collecting invoices, routing them for approval, and paying vendors. Users can upload bills, forward them to a dedicated inbox, or connect QuickBooks Online or Xero to gather bills in a dashboard. Invoice details—including vendor, amount, dates, and line items—are extracted for review. Approval rules and administrator, approver, and contributor roles help teams route bills before payment. Payments from a Relay account can be made by ACH, check, or domestic and international wire. All plans include the core bill workflow; batched vendor payments are included with Grow and Scale. Starter is free. Grow costs $30 per month, and Scale costs $90 per month, listed as a limited-time discount from $120 per month. Relay’s mobile app is available on iOS and Android, though payee creation, team permission editing, and detailed reports are web-only. Relay says it is SOC 2 Type II certified. It is a financial technology company, not an FDIC-insured bank; banking services are provided by Thread Bank, Member FDIC.
Who it suits
It suits small-business owners, bookkeepers, accountants, and teams that pay vendors and need invoice approvals. Teams that need to create payees, edit permissions, or run detailed reports must use the web app.
What it does well
- Free Starter plan includes the core bill workflow.
- Invoices can come from uploads, email, or connected accounting tools.
- Supports ACH, checks, and domestic or international wires.
- Approval rules can route bills before payment.
- Available on Android, iOS, and the web.
What to know first
- Batched vendor payments require Grow or Scale.
- Some functions are limited to the web app.
- Scale’s $90 monthly price is listed as a limited-time discount.
Limits
Starter is free and includes 20 checking accounts. Batched vendor payments are available on Grow and Scale, while bill payment automation is listed for Scale. Creating payees, editing team permissions, and running detailed reports are limited to the web app.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Grow | $30/month · Everything in Starter · batched vendor payments · bookkeeping automations · multi-step approval rules · unlimited users | $30 a month |
| Scale | ~~$120~~ $90/month (limited-time discount) · Everything in Grow · bill payment automation · 50 checking accounts per business · no fee for same-day ACH · unlimited users | $90 a month |
| Starter | $0/month · 20 checking accounts · bill creation, intake and management · multi-step bill approval rules · QuickBooks Online and Xero connections · unlimited users | On request |
As relayfi.com lists them, read 30 Sept 2026. The maker's own page has the final word.
Getting started
- Visit the Relay Bill Pay website.
- Choose Starter, Grow, or Scale.
- Use the Relay mobile app on iOS or Android, or use the web app.
- Upload bills, forward invoices to the Bill Pay inbox, or connect QuickBooks Online or Xero.
- Set roles and approval rules, then pay vendors from a Relay account.
Verdict
Relay Bill Pay combines invoice intake, approval routing, and vendor payments within Relay accounts. Check plan limits and web-only tasks against your team’s workflow before choosing a plan.
Questions
Is there a free plan?
Yes. Starter is free and includes 20 checking accounts.
How much do the paid plans cost?
Grow is $30 per month. Scale is $90 per month, shown as a limited-time discount from $120 per month.
Is there a free trial?
Yes. The pricing note lists a 14-day trial.
Which platforms are available?
Relay Bill Pay is available on web, Android, and iOS. Creating payees, editing team permissions, and detailed reports are limited to the web app.
Which accounting tools can bring bills into Relay?
Users can connect QuickBooks Online or Xero.
Who provides the banking services?
Relay says it is a financial technology company, not an FDIC-insured bank. Banking services are provided by Thread Bank, Member FDIC.
Facts from Relay Bill Pay's own pages
- Accounting integrations
- Bill Pay connects with QuickBooks Online and Xero for automatic bill and transaction syncing. · relayfi.com, 30 Sept 2026
- Approvals and roles
- Bill Pay has administrator, approver, and contributor roles, and approval rules can route bills for review before payment. · relayfi.com, 30 Sept 2026
- Approval workflows
- Yes · relayfi.com, 22 Sept 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. · relayfi.com, 30 Sept 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. · relayfi.com, 30 Sept 2026
- Free plan
- Yes · relayfi.com, 22 Sept 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. · relayfi.com, 30 Sept 2026
- Invoice capture
- ai · relayfi.com, 22 Sept 2026
- Invoice extraction
- Relay extracts invoice details including vendor, amount, invoice date, due date, and line items for review in the dashboard. · relayfi.com, 30 Sept 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. · relayfi.com, 30 Sept 2026
- Multi-entity support
- Yes · relayfi.com, 22 Sept 2026
- Payment execution
- Yes · relayfi.com, 22 Sept 2026
- Payment methods
- Bills can be paid from a Relay account by ACH, check, or wire; the product page specifies domestic and international wires. · relayfi.com, 30 Sept 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. · relayfi.com, 30 Sept 2026
- Purpose
- Relay Bill Pay is an accounts payable workflow built into Relay accounts for receiving invoices, routing them for approval, and paying vendors. · relayfi.com, 30 Sept 2026
- Security
- Relay says it is SOC 2 Type II certified and offers role-based access controls for employees and advisors. · relayfi.com, 30 Sept 2026
- Paid from
- 30 · relayfi.com, 22 Sept 2026
- Support
- Relay says its support specialists are available by email, and its Scale plan includes faster support by phone and email. · relayfi.com, 30 Sept 2026
Where Relay Bill Pay stands on Freedom251
- Accounts Payable Software#8 of 97