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Relay Payments

Relay Payments

Trucking Digital Payments

VS

Paychex

SMB Payroll Processing

Paychex
Fees from
Transaction-based vs Custom
Features

0 shared

1 unique to Relay Payments · 1 unique to Paychex
Regions

1 shared

Pay methods

4 shared

1 unique to Relay Payments · 1 unique to Paychex
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 6 payment methods · 1 regions. We don't rank these — they're here for reference.
Relay Payments Relay Payments
Paychex Paychex
Quick Facts
Fees
Standard transaction rate
Transaction-based
Custom
Settlement
Time to receive funds
2–3 business days
—
Founded
2019
1971
Headquarters
Atlanta, Georgia
Rochester, New York
Sandbox / Test Mode
—
—
Webhook Support
✓
✓
Features
Instant Payout Unique
✓
—
Recurring Payments Unique
—
✓
Payment Methods
Ach
✓
✓
Check
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Direct Deposit Unique
—
✓
Wire Transfer Unique
✓
—
Regions
North America
✓
✓

Relay Payments is best when you...

Trucking Digital Payments
Need Instant Payout
Not available with Paychex
View Relay Payments

Paychex is best when you...

SMB Payroll Processing
Need Recurring Payments
Not available with Relay Payments
View Paychex

Frequently Asked Questions

What is the difference between Relay Payments and Paychex?
They share 4 payment methods and 1 region. Relay Payments adds Wire Transfer that Paychex does not list; Paychex adds Direct Deposit that Relay Payments does not list; only Relay Payments offers Instant Payout; only Paychex offers Recurring Payments.
Which is cheaper, Relay Payments or Paychex?
Relay Payments has published rates from Transaction-based; Paychex has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Relay Payments and Paychex?
Relay Payments lists 1 region and 5 payment methods; Paychex lists 1 and 5. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Relay Payments and Paychex compare on integration and settlement?
both support webhooks; Relay Payments publishes a settlement time of 2–3 business days.

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