What people complain about in Relay
5 reported problems name Relay as what the person is currently using. Below is what they said was missing, and what they resorted to instead.
- Complaints
- 5
- Avg severity
- 3.2/5
- Would pay to fix
- 0
- Industries
- 1
What they wish it did
Capabilities people described needing that Relay does not give them, taken from the highest-scoring problems first. These are individual accounts written in each person’s own terms, so two entries may describe the same underlying gap in different words.
- Automated notification system that proactively informs user when a hold is placed and when it's resolved
- Phone support option for urgent banking issues
- Ability to temporarily escrow critical payments to prevent delays
- Business bank account with automatic tax savings allocation
- Business bank account with free checks for sole proprietors
- Simple comparison tool for small business bank accounts
What they do instead
The manual processes people built around the gap. A long workaround list is the strongest evidence a problem is real: someone is already paying for it in time. Where several people described the same workaround, it is marked.
- Considered transferring money from personal account to cover contractor payment
- Made excuses to contractor while waiting for account clearance
- Emailed support repeatedly to check status
- Uses personal bank account for business transactions
- Manually separates taxes without automated tool
- Researches banks for weeks to find one that fits
Industries
The problems themselves
Highest opportunity score first.
A business owner has $15,000+ in business funds frozen by Relay, which is refusing to release the money via ACH and will only send a physical check to a virtual mailing address that cannot be cashed internationally.
5CriticalGeneral Business ServicesPayment ProcessingComplianceClear BridgeBank account holds or flags cause multi-day delays in accessing funds, with slow email-only support and no proactive communication, leading to anxiety and payment delays.
3MediumGeneral Business ServicesCash Flow ManagementHoldAlert ProSmall business owner needs a business checking account with no fees, no minimum balance, free transfers, good mobile app, and integration with payment platforms.
3MediumGeneral Business ServicesFinancial ManagementBizBank OneSole proprietor needs a free small business bank account with automatic tax savings segregation and no monthly fees.
3MediumGeneral Business ServicesFinancial ManagementTaxSaver Business CheckingSole proprietor needs a no-monthly-fee business bank account to centralize multiple small online revenue streams before transferring to personal account.
2MildGeneral Business ServicesFinancial ManagementSoloRevenue Hub
Read this fairly
These are complaints, and only complaints — nobody posts to say their software worked. A high count mostly reflects how many people use Relay at all, so this page is not a quality judgement and should not be read as one. What it is good for is the shape of the gaps: the specific jobs people could not get done, which are the same whether the tool is popular or not.