Relay website screenshot

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
17.4/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessPaid
0 APIs
Business BankingFintechSMBCash FlowBill Pay

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 17.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 0.0 / 12
Discoverability 5.0 / 10
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
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
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 →

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Relay API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Relay Financial Plans Pricing

3 plans

PLANS

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.

Relay Financial Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Relay Financial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

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
LinkedIn
 Website
Website

Other 1

Properties that don't map to a standard resource type

ProductPage
ProductPage

Source (apis.yml)

apis.yml Raw ↑ 
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: '0.19'
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