Relay vs Bill.com Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Starter
- 0.91% APY¹ on savings accounts
- 1% cash back* on credit cards⁴
- 20 checking accounts
- Built-in spend controls
- Receipt upload reminders
Grow
Popular- 1.55% APY¹ on savings accounts
- 1.25% cash back* on credit cards⁴
- Multi-step approval rules
- Recurring invoices
- Bookkeeping automations
Scale
- 3.00% APY¹ on savings accounts
- 1.5% cash back* on credit cards⁴
- 50 checking accounts per business
- 10 free same-day ACH per month
Relay vs Bill.com FAQ
- Which one is cheaper?
- One or both use custom pricing, so it depends on your specific needs.
- Can I use either one for free?
- Relay has a free plan. Bill.com doesn't — you'll need to pay from day one.
- How do they charge?
- Check each product's pricing page for the latest details on how billing works.
- Which one is a better deal?
- Depends on what you need. Relay: At $0–$120, Relay is priced accessibly against business banking and financial ops tools — undercutting more established players like Mercury's add-ons or Brex's premium tiers. They're clearly going after small-to-mid-sized businesses who want more than a basic bank account but can't justify enterprise fintech pricing.
Keep tabs on both.
We'll monitor pricing changes for Relay and Bill.com and let you know when something moves.