Relay

Relay is a business banking account built for small-business owners who want their cash split by purpose instead of sitting in one undifferentiated balance. Contractors, agencies, property managers, ecommerce sellers, trades businesses, and professional-services firms use Relay when payroll, taxes, vendor bills, savings, and day-to-day spending each need their own lane. The product is also popular with accountants and bookkeepers who teach clients cash-flow discipline because the account structure mirrors how many firms already plan tax, profit, and operating reserves. Relay is especially relevant for owners moving away from spreadsheet-based cash buckets.

Relay goes beyond a checking account by pairing up to 20 checking accounts with savings accounts, debit and credit cards, accounts payable, invoices, payment requests, and accounting syncs. A founder can separate sales deposits into tax, payroll, profit, and operating accounts; a bookkeeper can track client cash movement; and an owner can issue cards with spending controls while keeping receipts and categories close to the transaction. The value is practical visibility: owners can see which dollars are safe to spend before a bill, payroll run, or tax deadline arrives.

Relay invites small-business experts with an audience to apply from its affiliate page. The stated fit is formation companies, publications, content creators, bloggers, business consultants, and other people teaching small-business ownership or entrepreneurship. Applicants submit organization details, complete a 30-minute onboarding call if accepted, receive a unique referral link, and promote Relay in their own voice.

The public affiliate page confirms monthly payouts at the end of each month and says there are no minimum requirements, so the script stores the minimum as no minimum and the cadence as end-of-month. Relay does not publish a commission amount, cookie window, payout rail, approval timeline beyond onboarding, or named third-party network in the accessible public page. Those unsupported fields stay blank, and the row remains under review even though the affiliate program itself is active.