# Relay: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 26 judge labels across 2 categories by 11 of 14 models. Page: https://www.gane.ai/index/finance/vendors/relay

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Business banking](https://www.gane.ai/index/finance/treasury/business-banking/index.md) | 2% | 15 | 32% | 25 |
| [Business bill pay](https://www.gane.ai/index/finance/treasury/business-bill-pay/index.md) | 0% | 38 | 0% | 1 |

## What the models said for it

- "start with Bluevine or Relay to maximize your funds and minimize fees" (Qwen 3.7 Flash, Business banking)
- "Relay stands out for multi-account cash flow, making it excellent for organizations managing multiple expense centers" (Claude Haiku 4.5, Business banking)
- "Relay's free Starter plan offers up to 20 checking accounts per business and tools for managing team spending" (GPT-6 Luna, Business banking)
- "Best For: Growing SMBs using Profit First accounting and managing multiple team members." (Gemini 3.5 Flash, Business banking)

## And against it

- ""Not Rated" status with Better Business Bureau while investigating previously-closed complaints" (GLM 4.7 FlashX, Business banking)
- "About 13.3 negative reviews/month, with 51% related to closures." (Grok 4.20, Business banking)
- "Popular business fintechs (such as Novo, Mercury, Relay, or Lili) ... they can be risky for specific business profiles" (Gemini 3.5 Flash, Business banking)
- "the standard "small-business fintech" platforms (like Relay or Bluevine) often fall short on ERP integrations" (Gemini 3.5 Flash, Business banking)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 2 | 0 | 0 | 2 |
| GPT-5.4 mini | 0 | 0 | 1 | 1 | 2 |
| Gemini 3.5 Flash | 0 | 3 | 0 | 2 | 5 |
| Perplexity Sonar | 0 | 3 | 0 | 1 | 4 |
| Grok 4.20 | 0 | 1 | 1 | 1 | 3 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 1 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 1 | 0 | 0 | 0 | 1 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 1 | 1 | 1 | 3 |
| MiniMax M2.5 | 0 | 0 | 1 | 0 | 1 |
| GPT-6 Luna | 0 | 2 | 0 | 1 | 3 |
| Muse Glimmer 30B | 0 | 0 | 1 | 0 | 1 |

## Sources returned with these answers

The sites and pages cited by the answers that named Relay, from 63 of the 74 answers that named it (only the models that return a source list).

### Domains cited

- nerdwallet.com: 32
- rho.co: 24
- fitsmallbusiness.com: 19
- forbes.com: 19
- relayfi.com: 17 (its own site)
- bluevine.com: 16
- business.com: 15
- xero.com: 13
- brex.com: 12
- chase.com: 12

### Pages cited

- https://nerdwallet.com/business/banking/best/banks: 16
- https://business.com/categories/best-business-bank-accounts: 15
- https://fitsmallbusiness.com/best-online-business-banks: 15
- https://rho.co/blog/best-business-bank-accounts: 12
- https://xero.com/us/guides/best-banks-for-small-businesses: 12
- https://rho.co/blog/best-online-business-bank-accounts: 11
- https://chase.com/business/banking/checking: 10
- https://fitsmallbusiness.com/best-banks-for-startups: 10

## In its own words

What Relay's own pages state, read 2026-09-28. Stated by the vendor, not checked by the index.

- Positioning: Online business banking and money management for small businesses. (https://relayfi.com/)
- For: small businesses and the accountants and bookkeepers who serve them (https://relayfi.com/)
- Price stated: Relay offers multiple plans, including Starter, Grow, and Scale. See relayfi.com/pricing for current plan details. (https://relayfi.com/)
- Starting price: 0 (https://relayfi.com/pricing)
- Free plan or trial: Starter has no monthly subscription; Grow and Scale include a 14-day trial (https://relayfi.com/pricing)
- Integrations claimed: 4 (https://relayfi.com/); 5 (https://relayfi.com/product/) (pages disagree)
- Customers named: A Wild Flowers Beauty, Grill Your Ass Off, Dance Motion Marketing, Everyday Explorers, Ambient Productions, Kyri's Kookie Co, Rebel Bread

## What it publishes

Every page relayfi.com exposes, read 2026-09-29: 1158 addresses. By kind, pages and the last 90 days:

- blog: 723 pages, 34 in the last 90 days, latest 2026-09-24
- case study: 25 pages, 6 in the last 90 days, latest 2026-09-16
- webinar or virtual event: 6 pages, 0 in the last 90 days, latest undated
- report or ebook: 14 pages, 0 in the last 90 days, latest 2026-05-20
- comparison: 72 pages, 11 in the last 90 days, latest 2026-08-25
- template or tool: 6 pages, 1 in the last 90 days, latest 2026-09-21
- glossary or explainer: 20 pages, 9 in the last 90 days, latest 2026-08-25
- podcast or video: 16 pages, 5 in the last 90 days, latest 2026-08-04
- Recent: 2026-09-24 blog: Fall cards enhanced merchant controls https://relayfi.com/blog/fall-cards-enhanced-merchant-controls
- Recent: 2026-09-23 blog: 179435020068 Relay Payroll what it is and who can use it https://relayfi.com/hc/en-us/articles/179435020068-Relay-Payroll-what-it-is-and-who-can-use-it
- Recent: 2026-09-21 blog: 059579483411 How to run your first payroll in Relay https://relayfi.com/hc/en-us/articles/059579483411-How-to-run-your-first-payroll-in-Relay
- Recent: 2026-09-21 blog: 167435741869 How to fund payroll from your Relay account https://relayfi.com/hc/en-us/articles/167435741869-How-to-fund-payroll-from-your-Relay-account
- Recent: 2026-09-21 blog: 198639918946 Payroll status and troubleshooting in Relay https://relayfi.com/hc/en-us/articles/198639918946-Payroll-status-and-troubleshooting-in-Relay
- Recent: 2026-09-21 blog: 242814110951 How to add and pay W 2 employees in Relay Payroll https://relayfi.com/hc/en-us/articles/242814110951-How-to-add-and-pay-W-2-employees-in-Relay-Payroll

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.