# Relay: how AI models rank it, September 2026

Finance AI Recommendation Index, September 2026 Edition. Named in 32 judge labels across 3 categories by 12 of 12 models. Page: https://finance-ai-index.com/vendors/relay/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Contractor payments | 2% | 16 | 0% | 2 |
| Business banking | 0% | 14 | 14% | 29 |
| Cash flow forecasting | 0% | 66 | 0% | 1 |

## What the models said for it

- "Rise Works and Relay are excellent choices for very small teams or those just starting out" (Mistral Small, Contractor payments)
- "Relay for a more straightforward, no-frills experience that welcomes non-tech businesses" (Qwen 3.7 Flash, Business banking)
- "Built for organized money management with sub-accounts and accounting integrations" (Perplexity Sonar, Business banking)
- "Cash flow bucketing | Multi-accounts for B2B forecasting, integrations; $0 fees." (Grok 4.1 Fast, Business banking)

## And against it

- "Avoid or approach with extreme caution: RelayFi (especially for new accounts and large wires)." (GLM 4.7 FlashX, Business banking)
- "Account closures dominate complaints (51% of negatives)" (DeepSeek V4 Flash, Business banking)
- "Recent user reports and discussions advise extreme caution with this provider, particularly regarding wire transfers." (Qwen 3.7 Flash, Business banking)
- "Currently has BBB status "on hold" while investigating previously closed complaints" (Kimi K2, Business banking)

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, September 2026 Edition, finance-ai-index.com.