Why We Use Relay Financial—And Why You Might Want to, Too

Estimated Reading Time: 2 minutes 45 seconds

At GP CPA, we’re always on the lookout for tools that help small business owners save time, stay organized, and keep cash flow running smoothly. One of those tools? Relay Financial—and we don’t just recommend it, we use it ourselves.

We made the switch to Relay because it solves real problems we used to bump into with traditional banks. If you’ve ever had a transaction fail because the wrong account didn’t have enough funds, or if you’re tired of chasing receipts and reconciling books manually, you’ll want to take a closer look.

Here’s what’s new—and why we’re big fans:

1. Say Goodbye to Declined Debit Cards

Managing multiple checking accounts is smart—but sometimes it means a purchase can fail if the account tied to your debit card is a little low. Relay now lets you set a backup account for each debit card. If the primary account doesn’t have enough funds, Relay automatically pulls from the backup.

It’s a small change that prevents a big headache.

2. Get Paid Faster With Fewer Tools

Relay recently launched Payment Requests. It lets you request payments via card, ACH, or wire, and the money goes straight into your Relay account—no third-party invoicing or merchant tools required.

It’s a clean, simple way to speed up cash collection.

3. Receipt Tracking Without the Headache

If you’re still manually gathering and matching receipts at the end of the month, Relay’s Expenses feature will feel like a dream. Every purchase is automatically captured, categorized, matched to a receipt, and synced with your accounting software.

As a firm that closes a lot of books, we can tell you—this has seriously improved our internal workflow.

4. Built With Security in Mind

Relay is now SOC 2 Type II certified, which means they meet the gold standard for data security. We trust them with our business’s financial data—and that’s not something we say lightly.

5. Recognized for Innovation

Relay was recently named to the 2025 Forbes Fintech 50—and for good reason. Their platform is built to help small businesses tackle the cash flow issues that derail so many otherwise successful companies.

We’ve watched the features improve month after month, and we’re excited about where they’re headed next.

Ready to Try Relay?

We’re happy customers—and we think many of our clients could benefit from Relay’s banking platform, too. If you’d like to check it out, you can use our link to get started:

👉 Open a Relay account         https://app.relayfi.com/v3/register?referralcode=GPCPA

Have questions about how Relay could fit into your current banking and bookkeeping setup? Contact us, admin@pruscpa.com—we’re always happy to help you find the right solution for your business.