Automate payments so you can get on with business. Invoice, approve, pay, get paid - all within a dedicated bank account.

Buyer and supplier shaking hands on business payments

Say goodbye to monthly payment runs

Move cash in real-time, get back to business

What if invoice payments were as simple, secure and convenient as card payments? Relay’s business payments network finally makes it possible.

No more tedious manual admin

Eliminate manual data entry and matching of invoices, POs and receipts. Only deal with exceptions.

Hello real-time visibility

No more back and forth at the end of the month to agree what’s actually payable. Stay aligned with customers and suppliers from order to payment.

Cash that works for everyone

Easily tailor payment terms to improve working capital together with your customers and suppliers. Think win-win.

Construction workers in New Zealand

For small businesses

Get paid on your terms. Quick low-cost access to cash.

You’re running your own business because you love what you do - healthy cashflow helps you make your passion a reality and take your business to the next level.

Business owner in a construction workshop

Improve cashflow

Get paid today. Access cash at a lower rate than borrowing or overdrafts. Invest in your business and be prepared for the unexpected.


For finance teams

Scale invoice processing and earn cashback on early payments

Your company is growing while adapting to dynamics like remote working and supply chain disruptions. Lead the way and future-proof your finance function.

Automate accounts payable

Do more with less. Paper and pdf invoices are a thing of the past. Move beyond tedious tasks so you can focus on value.

Earn cashback

Give suppliers access to affordable cashflow on demand, while generating bottom line savings for your business.

Finance leader in invoice automation workshop

Join the real-time payments revolution

Get started with cashflow automation today