Relay is an online US business bank account (not a payment gateway) — offering a free checking account plus multiple free sub-accounts for allocating budget across different spending purposes.
Because it’s a real, FDIC-insured banking relationship, Relay requires a valid US legal entity (LLC/Corporation) and an EIN — it can’t be opened under an individual’s name the way some e-wallets or payment platforms can.
Why use this service at AWE Global?
A real bank account, FDIC-insured
Not an e-wallet — a genuine banking relationship in the US.
No monthly maintenance fee
The US business account has no monthly maintenance cost.
Multiple sub-accounts for budgeting
Separate marketing, payroll, and operations budgets within one system.
Process
01Confirm your business already has (or we help complete) a valid US entity and EIN
02Prepare business documents and representative ID as required by the bank
03Register and verify the Relay account
04Hand-off, with guidance on setting up sub-accounts and linking to Stripe/Shopify Payments for payouts
Documents / information needed
- Certificate of formation (LLC/Corporation) in the US
- EIN
- Representative’s identification documents (SSN/ITIN may be required depending on the case)
- A US business address (a virtual mail service can be used)
Common mistakes to avoid
- Confusing Relay with a payment gateway that receives money from customers — Relay is a bank account for holding/managing funds, not for processing online checkout.
- Registering before the business has a complete EIN/legal record, which leaves the account application stuck.
Frequently asked questions
Does Relay charge a monthly maintenance fee?
No — Relay’s business checking account currently has no monthly maintenance fee; only certain add-on services (if used) may carry a cost.
How is Relay different from payment platforms like Stripe/PingPong?
Relay is a bank account for holding and managing funds, while Stripe/PingPong are where you receive money from customers/marketplaces — the two are typically used together, with payouts flowing from the gateway into Relay.
Do you need an SSN to open a Relay account?
Not necessarily in every case — a representative without an SSN may be guided to use an ITIN or an alternative document, depending on verification policy at the time of application.