Earn cash back rewards for prompt payment

Relay is the payments platform that good operators use to optimise working capital and save money by paying suppliers promptly.

Turn payables into income

Relay pays you instant cash back rewards when you pay suppliers promptly.

Decide your preferred rate of return and let your suppliers choose when they get paid.

You control supplier eligibility and how much cash is allocated to prompt payment.

Improve supplier relationships

Optimise working capital

Increase yield on surplus cash

How does it work?

1. Select supplier invoices

Import approved supplier invoices from your ERP or accounting software. Choose which invoices are eligible for prompt payment.

2. Offer prompt payment

3. Earn cash back rewards

Tell us how much you want to allocate to pay suppliers early and set your preferred rate of return. We generate a dynamic prompt payment offer to your suppliers.

We pay you cash back instantly if your offer is accepted. Your suppliers are paid immediately using the cash you reserved for prompt payment.

Why Relay?

Generate a higher rate of return on surplus cash

Increase earnings by deploying surplus cash to generate income from cash back rewards. Reduce costs, improve gross margin and increase yield without increasing risk.

Strengthen your supply chain

Give your suppliers access to a low cost source of funds. Improve relationships and support the financial stability of your suppliers.

Reduce costs and increase efficiency

Raise productivity by eliminating paperwork and manual processing. Automate your invoice approvals process and simplify your monthly payment run.

Relay is the cash management platform that pays for itself

Optimise your cash cycle and create a revenue stream from your finance team.

Troubleshoot invoice issues quickly and easily

Message suppliers within Relay to query invoices and resolve issues before they cause problems.

Optimise your approvals workflow

Track supplier invoices from receipt to payment and identify bottlenecks faster. Notify suppliers when invoices have been approved and scheduled for payment.

Simple setup process and supplier on-boarding

Get suppliers up and running seamlessly with support from our customer success team.

Everything you need to optimise your cash cycle

Secure bank account

Control cash flow with a dedicated bank account to manage working capital. Send and receive payments without sharing your bank details.

Supplier portal

A single place to view, manage and pay all your supplier invoices.

Fraud protection

Protect your business from invoice fraud and ensure that payments are sent to the correct legal entity.

Business directory

Search our directory of verified businesses to find and compare suppliers. Make enquiries, place orders and get the best price when you pay promptly.

Cloud integrations

Automatically reconcile payments to your ERP or accounting software.


Send and receive electronic invoices for free.

Start generating income from surplus cash

Minimal implementation effort, no setup cost and free to use.

Frequently asked questions

How does the Relay bank account work?

When you join Relay your business is given its own Relay bank account. This account is unique to your business and is where you keep funds reserved to pay your suppliers. If you receive payment from a customer it will be instantly available in this account. You can withdraw funds from Relay to your verified bank account at any time. All customer funds are held on bare trust in separate bank accounts at BNZ. This ensures that your funds are completely segregated from the business operations of Relay Ltd.

How much does it cost to make prompt payments using Relay?

It is free to offer prompt payment and to make payment to your suppliers via Relay. Suppliers will be charged a service fee when they accept prompt payment. The service fee is calculated on a daily basis according to the required rate of return you set. Service fees are shown clearly to suppliers directly as part of each prompt payment offer.

How do prompt payment rewards work?

Relay rewards you with instant cash back when you pay your suppliers promptly. Prompt payments help suppliers to improve their cash flow. When you create a prompt payment offer we combine it with other active offers in your supply chain and dynamically generate targeted prompt payment offers to downstream businesses who have requested prompt payment.

How long does it take to setup Relay?

Most businesses can be up and running in minutes. It's easy to import approved invoices by connecting your ERP or accounting software. You can also upload invoices manually or create them directly in Relay. If you are a larger business we offer a custom integration to your ERP at no charge if required (Conditions Apply). Please contact us to discuss your needs.

Why do I need to get verified?

To help the government fight the funding of terrorism and money laundering activities, the law requires us to obtain, verify, and record information that identifies each person who forms a business relationship or conducts an occasional transaction via Relay. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

125 St Georges Bay Road


Auckland 1052

New Zealand

Relay Limited is registered on the Financial Services Provider Register (FSP692591) and regulated by the DIA for AML/CFT purposes.

We are a member of the Insurance and Financial Services Ombudsman dispute resolution scheme.

©Relay Limited.