Home / Payroll, AP/AR & Bill Pay with AI
Relay
Online business banking with bill pay, invoicing and expense tools that accountants and bookkeepers manage for clients via a partner program.
| What the AI does | AI assist for creating accounting rules and AI data-entry automation in expense management; Scale plan lists 'AI-powered automation and insights' |
|---|---|
| Who it serves | Solo practitioners, Small CPA firms, Bookkeeping practices |
| Starting price | Free plan; Grow $30/mo |
| Pricing model | Freemium subscription |
| Free trial | Free plan available |
| Best fit | Solo practitioner, Small firm |
| Category | Payroll, AP/AR & Bill Pay with AI |
| Works with | QuickBooks Online, Xero |
| SOC 2 | Not stated on the vendor's site |
| Checked | 2026-10-29, against the vendor's own page |
Who it's for
Relay is listed as a fit for solo practitioners and small firms, and the vendor names solo practitioners, small CPA firms and bookkeeping practices on its own site. The job it gets hired for: running client payroll, bills and receivables through a firm console, with AI catching what's off.
What it costs
Relay has a free plan to start: Free plan; Grow $30/mo.
Good to know
Relay is online business banking — through Thread Bank, Member FDIC — with bill pay, invoicing and expense tools that accountants and bookkeepers manage for clients, and a partner program that pays per-client bonuses, revenue share and client discounts as collective balances grow. Starter is free with bill intake, approval rules and QuickBooks and Xero sync; Grow is $30/mo with bookkeeping automation and batch payments; Scale adds bill-payment automation and cash-flow forecasts. The AI is light-touch by design: an AI assist for building accounting rules and AI data entry for faster month-end reconciliation.
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