Relay

Relay is an online business banking and cash-flow management platform for small and medium-sized businesses, offering up to 20-50 checking accounts, virtual and physical Visa debit/credit cards, accounts payable and bill pay, and one-way data integrations with accounting and payroll tools such as QuickBooks Online, Xero, and Gusto. Banking services are provided by Thread Bank, Member FDIC. Relay does not publish a public developer API; the surfaces below are product features and inbound integrations rather than developer-facing APIs.

Relay is profiled on the APIs.io network. Tagged areas include Business Banking, Fintech, SMB, Cash Flow, and Bill Pay.

Relay’s developer surface includes documentation and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.0/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessPaid

0 APIs

Business Banking Fintech SMB Cash Flow Bill Pay

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 14.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 6.7 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/relay-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Rate Limits 1

Documented rate limits and quota policies.

Relay Financial Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

ProductPage

ProductPage

Source (apis.yml)

aid: relay-financial
url: https://raw.githubusercontent.com/api-evangelist/relay-financial/refs/heads/main/apis.yml
name: Relay
kind: company
description: Relay is an online business banking and cash-flow management platform for small and medium-sized businesses,
  offering up to 20-50 checking accounts, virtual and physical Visa debit/credit cards, accounts payable and bill pay, and
  one-way data integrations with accounting and payroll tools such as QuickBooks Online, Xero, and Gusto. Banking services
  are provided by Thread Bank, Member FDIC. Relay does not publish a public developer API; the surfaces below are product
  features and inbound integrations rather than developer-facing APIs.
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/relay-financial.png
tags:
- Business Banking
- Fintech
- SMB
- Cash Flow
- Bill Pay
created: '2026-06-20'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/relay-financial-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/relayfi
- type: Website
  url: https://relayfi.com/
- type: Documentation
  url: https://support.relayfi.com/hc/en-us
- type: Plans
  url: plans/relay-financial-plans-pricing.yml
- type: RateLimits
  url: rate-limits/relay-financial-rate-limits.yml
- type: FinOps
  url: finops/relay-financial-finops.yml
- type: ProductPage
  url: https://relayfi.com/integrations/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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Relay

Kin Score

Open Collections 2

API Collection

Relay API

Pricing Plans 1

Relay Financial Plans Pricing