Short answer
Amazon doesn't publish any rules on factoring Relay invoices. Relay pays weekly on its own: loads completed before 23:59 Saturday are paid the following Friday, and Amazon calls this "7-day payment with no factoring fees."
Do you need factoring on Amazon Relay?
That's your call, but know how Relay pays first. The Relay FAQ says: "Payment cycle runs weekly from Sunday-Saturday. Everything completed before 23:59 Saturday will be paid out the following week on Friday."
Two more lines from the FAQ:
- "Amazon Relay will generate invoices automatically."
- You can dispute pay "within 30 days of reviewing your weekly invoice."
Amazon's free freight search post adds that on Relay you "don't have to waste time verifying the legitimacy of loads on Relay or talking to factoring companies to ensure credit worthiness."
Our payments guide covers payday, invoices and pending payments. Disputes are in our disputes guide.
What does Amazon say about factoring?
Amazon uses it as a selling point. Its email scams post lists "7-day payment with no factoring fees." Its RelayCon 2026 post says: "And with 7-day payment terms and no factoring fees, cash flow stays steady too."
Its brokers comparison says: "Say goodbye to 30-60 day waits for payouts from logistics brokers. With Relay, you typically get paid within 7 days." That's Amazon's claim about brokers in general.
Carriers on Amazon's blog say similar things. One told Amazon: "Relay pays carriers every week, which eliminates the need for us to sign up with a factoring company." That's one carrier's experience, not a rule.
Can you factor Amazon Relay invoices?
Amazon doesn't say. It publishes nothing on:
- Whether you may factor Relay invoices
- How to send a Notice of Assignment
- How to name a factoring company as payee
- The payment method (ACH or check)
If you already work with a factor, ask Relay support from your account before you change anything.
Is there an Amazon Relay quick pay option?
Not that Amazon describes. The only quick pay wording we found on Amazon's public Relay pages is in its spot work post: "Upon completion of hauls, carriers receive quick payment."
Amazon doesn't describe a separate quick pay product. The only pay schedule it publishes is the weekly cycle in the FAQ. It publishes no same-day pay and no early-pay fee.
Why do bank detail changes matter?
Payment details come early. The last application step is "Payment information," most likely where you tell Amazon how to pay you. After that, treat any bank change with care.
Amazon lists a "bank account change" among signs of unauthorized access, to report "through the Support Center when logged into your Relay account." Its scams post tells carriers to check: "Bank account details: Has it changed without your approval?"
Our Relay login guide covers what to do if someone else got into your account.
What about Amazon's business loan?
Amazon refers some carriers to Lendistry for revenue-based financing. It's a loan, not factoring. From Amazon's loan post:
- Who: "small- or medium-sized Relay carriers that consistently book Amazon freight and have a performance grade of C+ and above," active on Relay "for at least a year."
- Size: "amounts up to $150,000, with flexible payment terms up to two years."
- Repayment: Amazon says the monthly payment depends on how much the carrier brings in.
There's a revenue rule too, and Lendistry makes the credit decision. Onboarded carriers can check eligibility "in the Rewards tab of the Relay portal." Our Relay rewards guide lists Amazon's other carrier programs.
How does Relay compare with broker boards?
Amazon's comparison table says traditional load boards and brokers have "Payment delays common" and a "Need to verify broker creditworthiness." That's Amazon's view. On DAT, for one, factoring is a product: DAT sells it as DAT Outgo, per DAT's own site. Our Amazon Relay vs DAT guide compares pay on both.
Whatever you decide, know each load's net before you book. Our free Relay load calculator shows a load's net, net per loaded mile and break-even rate from its pay, miles and your costs.
What doesn't Amazon publish about factoring?
- Whether a carrier may factor Relay invoices
- How to send a Notice of Assignment or name a factor as payee
- A quick pay, same-day pay or early-pay fee
- The payment method (ACH or check)
- Whether Lendistry repayments come out of Relay payouts
Where does NudoIQ fit?
NudoIQ is a Chrome extension for the Relay load board. It shows net profit and $/mile on each load from costs you set once, so you see what a load leaves you before you book it. It's independent, not affiliated with Amazon, and it never asks for your Amazon password. Try it 7 days free, no card needed to start, then $49.99 a month. See how the NudoIQ extension works.