Small business▲+2Since September 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
8%from 6% in September 2026
Inside the floor by 8 pointsRank 4 of 76, unchanged
2 categories · RankedRelay
88Judge labels
8First choices
15Negative labels
14 / 14Models named it
2Categories
October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.
Best standing
9% in Business banking for small business buyers
Rank 8 of 86 in the mid-market standingcriticized challenger
0 of 14 models made it the first choice on the direct prompt; 27% of its 26 labels there were negative.
What the models named instead of Relay →By buyer segmentRead the same way at every buyer size.
Small business4 of 87
9%39 labels
accepted challenger
Mid-market8 of 86
4%26 labels
criticized challenger
Enterprise10 of 106
2%12 labels
criticized challenger
In business banking · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading
Standing by category
Every category where a model named Relay for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
| Category | Function | Share | Rank | Negative rate | Labels | Quadrant | Since September 2026 |
|---|---|---|---|---|---|---|---|
| Business banking | Treasury and cash | 4% | 8 of 86 | 27% | 26 | criticized challenger | ▲+5Since September 2026: 0% → 5%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Treasury management systems | Treasury and cash | 0% | 43 of 124 | 0% | 3 | under 10 labels · led by Trovata at 28% | newNew since September 2026: not ranked then, 0% now. |
Movement
Since September 2026, Relay held within the floor in all two categories: no change cleared 10 points.
Best category · Business banking · by segment
Mid-market▲+5Since September 2026: 0% → 5%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
5%from 0% in September 2026
Inside the floor by 5 pointsRank 14 → 7 of 82
Enterprise▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
2%from 0% in September 2026
Inside the floor by 8 pointsRank 18 → 8 of 99
All categories · Mid-market
| Category | September 2026 | Now | Change | Reading | Rank |
|---|---|---|---|---|---|
| Business banking | 0% | 5% | ▲+5Since September 2026: 0% → 5%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 14 → 8 of 86 |
| Treasury management syst | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 43 of 124, unchanged |
Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.
The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions
By model
How each model treated Relay across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.ShowHide
By model
How each model treated Relay across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ShowHide| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 1 | 0 | 0 | 1 |
| GPT-5.4 mini | 0 | 0 | 1 | 0 | 1 |
| Gemini 3.5 Flash | 0 | 2 | 0 | 0 | 2 |
| Perplexity Sonar | 0 | 0 | 1 | 0 | 1 |
| Grok 4.1 Fast | 0 | 1 | 1 | 1 | 3 |
| Mistral Small | 1 | 1 | 1 | 1 | 4 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 2 | 2 |
| Llama 4 Maverick | 0 | 0 | 1 | 0 | 1 |
| Qwen 3.7 Flash | 0 | 1 | 0 | 1 | 2 |
| Kimi K2 | 1 | 2 | 0 | 1 | 4 |
| GLM 4.7 FlashX | 0 | 1 | 2 | 0 | 3 |
| MiniMax M2.5 | 0 | 0 | 1 | 1 | 2 |
| GPT-6 Luna | 0 | 2 | 0 | 0 | 2 |
| Muse Glimmer 30B | 0 | 0 | 1 | 0 | 1 |
By framing
Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct9 labels1
Paraphrase13 labelsNone
Comparative21 labels7not counted in share
Budget-constrained24 labels6
Scale-constrained6 labels1
Negative15 labels1not counted in share
First choiceAlternativeMentionNegative88 labels in all, every segment counted; 8 of the 16 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.
What the models said for it
Verbatim evidence the judge attached to positive labels.
“For most companies with limited budgets, Mercury or Relay are excellent choices” Kimi K2 · Business banking · budget prompt · first choice
“Mercury and Relay are standout choices for businesses with limited budgets” Mistral Small · Business banking · budget prompt · first choice
“Relay has features that benefit midsize businesses and fast-growing startups, with no monthly fees and strong expense management tools.” Claude Haiku 4.5 · Business banking · direct prompt · alternative
“Relay is highly popular for business owners who practice "Profit First" or strict envelope budgeting.” Gemini 3.5 Flash · Business banking · comparative prompt · alternative
And against it
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“51% of negatives related to account closures — the highest closure complaint ratio of any provider studied” DeepSeek V4 Flash · Business banking · negative prompt · hard negative
“Elevated issues (13.3 negatives/month), 51% involving closures/freezes—tops the list for this problem.” Grok 4.1 Fast · Business banking · negative prompt · hard negative
“Relay | 13.3 negative reviews/month | Account closures (51% of complaints)” Kimi K2 · Business banking · negative prompt · hard negative
“Relay - 13.3 negative reviews/month; 51% involve account closures” MiniMax M2.5 · Business banking · negative prompt · hard negative
Named alongside
The products named in the same answers as Relay, over the 88 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Relay was named but was not.ShowHide
Named alongside
The products named in the same answers as Relay, over the 88 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Relay was named but was not.
ShowHideProductSame answerTook the first choice insteadHead to head
A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.
What carried it into the answer
The sites and pages cited by the answers that named Relay. A fact about retrieval, not a lever on the model.
Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 86 of the 88 answers that named Relay and are not a share of its labels.
Domains cited
nerdwallet.com44
forbes.com34
relayfi.comYour site34
rho.co31
airwallex.com30
techrepublic.com29
bluevine.com26
brex.com26
wise.com20
business.bankofamerica.com19
259 of the 293 domain citations in answers naming Relay came from somebody else's page.
Pages cited
Pages are listed as the models cited them.
Search and answers
relayfi.com is not in Google's top ten for any of the category's searches. In the answers, Relay takes 4% of first choices and Mercury takes 23%.ShowHide
Search and answers
relayfi.com is not in Google's top ten for any of the category's searches. In the answers, Relay takes 4% of first choices and Mercury takes 23%.
ShowHideIn search
Google, US estimatesPosition for “business banking providers”
–
not in the top ten
Position for “business bank account for a company”
–
not in the top ten
- Searches for its name, Google
- 90,500 a month (“relay”)
- AI search demand for its name, est.
- 68,685 a month
- Organic visits to its site
- about 96,775 a month
- Searches its site ranks for
- 11,889 · 664 in the top three
- Sites linking to it
- 3,500
- Paid Google search
- No ads found in the estimate; that does not mean it runs none
In answers
This editionShare of first choices
4%
rank 8 of 86 in business banking
Segment leader
23%
Mercury
- First choices
- 8 across its categories
- Named in
- 88 answers
- Its own site cited
- in 86 of the answers that named it
Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.
What it publishes
ShowHide
What it publishes
ShowHideAddresses on relayfi.com
1,158
subdomains included
Content
882
counted in the table below
Documentation
2
Product · Integration
0 · 4
| Kind | Pages | Last 90 days | 2025-10 to 2026-09 | Latest | Categories named |
|---|---|---|---|---|---|
| Blog | 723 | 34 | 2026-09-24 | Expense management, Business banking | |
| Comparison | 72 | 11 | 2026-08-25 | Business banking | |
| Case study | 25 | 6 | 2026-09-16 | ||
| Glossary or explainer | 20 | 9 | 2026-08-25 | Account reconciliation | |
| Podcast or video | 16 | 5 | 2026-08-04 | ||
| Report or ebook | 14 | 0 | 2026-05-20 | ||
| Webinar or virtual event | 6 | undated | |||
| Template or tool | 6 | 1 | 2026-09-21 |
Most recent
- 2026-09-24Fall cards enhanced merchant controls blog
- 2026-09-23179435020068 Relay Payroll what it is and who can use it blog
- 2026-09-21059579483411 How to run your first payroll in Relay blog
- 2026-09-21167435741869 How to fund payroll from your Relay account blog
- 2026-09-21198639918946 Payroll status and troubleshooting in Relay blog
- 2026-09-21242814110951 How to add and pay W 2 employees in Relay Payroll blog
How it is countedHide how it is counted
Every page relayfi.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. An event counts as online when its address or title says so (webinar, on demand, virtual or online summit); a conference, summit, trade show, expo or roadshow that does not say so is counted as a conference or event, which on a vendor's site is mostly in person. Read September 29, 2026.
Names read as Relay
What the judge wrote, as written, with how often. The vendor table decides that these count as Relay; a claim can dispute any of them.
Relay Financial 1Relay Starter 1
Follow Relay
An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.
Already following? Everything you follow, with a stop for each.
The company
Relay is its own company.ShowHide
The company
Relay is its own company.
ShowHideIn its own words
Stated by the vendor, not checked- Positioning
- Online business banking and money management for small businesses.
- For
- small businesses and the accountants and bookkeepers who serve them
- Price stated
- Relay offers multiple plans, including Starter, Grow, and Scale. See relayfi.com/pricing for current plan details. relayfi.com
- Starting price
- 0 relayfi.com/pricing
- Free plan or trial
- Starter has no monthly subscription; Grow and Scale include a 14-day trial relayfi.com/pricing
- Integrations claimed
- 4 relayfi.com · 5 relayfi.com/product pages disagree
- Certifications
- Member FDICFDICVisa
- Customers named
- Julia SkwarloA Wild Flowers BeautyGrill Your Ass OffDance Motion MarketingEveryday ExplorersAmbient ProductionsKyri's Kookie CoRebel Bread
- Not stated on the pages read
- Hosting
What Relay's own pages state, read September 28, 2026: relayfi.com, relayfi.com/pricing, trust.relayfi.com, relayfi.com/product, relayfi.com/customers. A claimed page can correct any of them.
Is this your product?
Claim this page
Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Relay's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Relay, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.
What a new claim receivesHide what a new claim receives
A new claim receives the current edition's vendor brief for Relay by email, built from the raw record of the edition. It shows:
- where Relay is named, by buyer and by framing, and which cells hold its first choices;
- the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
- its vocabulary against the segment leader's, and the pages the models cited;
- who was chosen in the answers that did not name Relay, and every reason the record gives;
- a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
- one page of published figures cleared to show a buyer.