Relay Bill Pay review
A low-cost bill pay option with AI extraction, approvals, and accounting sync.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Relay Bill Pay is an accounts payable workflow within Relay’s business banking platform. It is designed for small businesses and accounting teams that need to collect bills, extract invoice details, route approvals, pay vendors, and synchronize records with accounting software. Bills can be uploaded manually or received by email, while role-based access supports administrators, approvers, contributors, accountants, and bookkeepers. Payment options include ACH, domestic and international wire, and checks.
Pricing is accessible at the entry level. The Starter plan costs $0 per month and includes bill creation, intake, management, multi-step approval rules, QuickBooks Online integration, and Xero integration. Grow costs $30 per month and adds bookkeeping automations, batch vendor payments, and recurring invoices. Scale costs $120 per month and adds bill payment automation, cash flow insights and forecasts, priority support, and QuickBooks Online and Xero connections. A 14-day free trial is also available. The paid tiers make more sense for teams that need broader payment automation or forecasting rather than basic bill workflow management.
The strongest fit is a small business already working in QuickBooks Online or Xero and looking for invoice capture, configurable approvals, vendor records, audit trails, payment reconciliation, and batch payments in one web-based workflow. Relay also connects with Hubdoc and Dext, and its multi-entity support broadens its accounting use cases. However, businesses that require verified purchase-order matching, or teams seeking a non-web platform, should consider alternatives. Choose Relay Bill Pay for affordable core accounts payable workflows and accounting synchronization; look elsewhere when procurement controls or broader platform coverage are central requirements.
Relay Bill Pay pros and cons
- Where it wins
- Free Starter plan with bill intake, management, and approval rules
- AI invoice-field extraction plus ACH, wire, and check payments
- QuickBooks Online and Xero synchronization with reconciliation
- Where it doesn't
- Paid plans start at $30 per month
- Web-only access limits platform choice
- No verified purchase-order matching
Relay Bill Pay fact sheet, pricing and score →
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