Relay vs GoCardless

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Relay compared with GoCardless
Detail	Relay	GoCardless
What it does	Online business banking and money management for small businesses	The easy way to get paid
Stage	Not given	Established
Founded	Not given	Not given
Based in	Not given	GB
Pricing model	Not given	Not given
Pricing	Not given	Per-transaction pricing with no setup or monthly fees. Standard plan: 1% + 20p per domestic transaction; Advanced: 1.25% + 20p; Pro: 1.4% + 20p. Add-ons available at £50-£150 per month. Custom plans for high-revenue businesses.
Key features	Up to 20 checking accounts per business Visa debit and credit cards with spend controls High-yield savings accounts Automated bill pay and invoice management Expense tracking and receipt capture QuickBooks and Xero integrations Role-based team access with audit trails	One-off and invoice payment collection Recurring billing for subscriptions and instalments Outbound payments to customers and suppliers Failed payment recovery with Success+ Advanced fraud protection with Protect+ International payments from 30+ countries Customisable checkout with branding options 350+ integrations with business software Revenue-based financing via Pipe partnership 24/7 customer support
What makes it different	No hidden fees or monthly charges on basic plan Purpose-built for small businesses with clear financial organization FDIC-insured deposits through partner Thread Bank	49% cheaper than card payments on average 97.3% first-time success rate on recurring payments Same or next day settlement for instant payments Recover up to 70% of failed payments automatically Access to open banking data from 2,300+ banks
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	73 no change since last check	88 no change since last check
Trust Flow (Majestic)	30	49
Citation Flow (Majestic)	49	61
Referring domains (Majestic)	3401	12925

3 details filled in for both companies.

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