Rho

B tier on Accounts Payable SoftwareScore 7.0 · #39 of 97

Android app: Yes
Free plan: Yes
Runs on: Android, api, iOS, Web

rho.co

Summary

Rho is a finance platform combining business banking, corporate cards, expense management, bill pay, treasury, and accounting automation. Its cards can be physical, virtual, or vendor cards, with controls for merchants, spending limits, and time. Expense management brings together card controls, approval rules, receipt capture, and automated reconciliation. Bill Pay lets customers upload, approve, and pay vendors with zero platform fees and audit trails. Rho lists accounting integrations including Xero, Campfire, Puzzle, Sage Intacct, NetSuite, and QuickBooks, as well as HR and travel integrations such as BambooHR, Workday, Gusto, Navan, Emburse, and SAP Concur. The Rho plan has no subscription, per-user, or platform fees, but it lists a 1% foreign-currency transfer fee. Rho Platinum offers up to 2% cashback, while the standard Daily Terms rate is 1.25%, subject to terms; cashback applies to up to $1,000,000 in eligible card spend per calendar year across tiers. Corporate card applicants need a U.S.-incorporated business and an EIN. Mobile apps are available through the Apple App Store and Google Play.

Who it is for

Rho suits companies looking to combine banking, cards, expense controls, bill pay, and accounting automation. Corporate card applicants must have a business incorporated in the United States and an EIN.

What is good

No subscription, per-user, or platform fees
Cards include merchant and time controls
Bill Pay includes audit trails
Lists accounting, HR, and travel integrations

What to know first

Foreign-currency transfers incur a 1% fee
Corporate card applicants need a U.S.-incorporated business
Corporate card applicants need an EIN

Verdict

Rho combines several company finance functions and lists no subscription, per-user, or platform fees. Businesses should note the foreign-currency transfer fee and the eligibility requirements for corporate card applicants.

Rho plans and pricing

All plans

Rho Free $0 subscription fees · $0 per-user fees · $0 platform fees · 1% foreign-currency transfer fee rho.co · 30 Sept 2026

Compared on accounts payable software

Free plan: Yesrho.co

Facts

Approval workflows: Yesrho.co · 19 Sept 2026
Product: Rho is a finance platform combining business banking, corporate cards, expense management, bill pay, treasury and accounting automation.rho.co · 30 Sept 2026
Card controls: Rho Corporate Cards support physical, virtual and vendor cards with merchant, spending-limit and time controls.rho.co · 30 Sept 2026
Card rewards: Rho Platinum offers up to 2% cashback, while the standard Daily Terms rate is 1.25%, subject to terms.rho.co · 30 Sept 2026
Card limit: Cashback applies to up to $1,000,000 in eligible card spend per calendar year across all tiers.rho.co · 30 Sept 2026
Expense management: Rho combines corporate cards, spend controls, approval rules, receipt capture and automated reconciliation in one platform.rho.co · 30 Sept 2026
Bill pay: Rho Bill Pay lets customers upload, approve and pay hundreds of vendors with zero platform fees and full audit trails.rho.co · 30 Sept 2026
Accounting integrations: Rho lists Xero, Campfire, Puzzle, Sage Intacct, NetSuite and QuickBooks under Accounting and ERP integrations.rho.co · 30 Sept 2026
HR and travel integrations: Rho lists BambooHR, Workday, Gusto, Navan, Emburse and SAP Concur as HR or travel integrations.rho.co · 30 Sept 2026
Security: Rho Checking deposits are held at Webster Bank, a division of Santander Bank, N.A., Member FDIC, with insurance up to $250,000 per depositor and ownership category.rho.co · 30 Sept 2026
Savings coverage: Rho Savings offers up to $75 million in FDIC insurance through a program distributing funds across FDIC-insured banks.rho.co · 30 Sept 2026
Support: Rho advertises 24/7 support from day one for enterprise customers.rho.co · 30 Sept 2026
Mobile apps: Rho provides download links for its app through the Apple App Store and Google Play.rho.co · 30 Sept 2026
Eligibility: A Rho Corporate Card applicant's business must be incorporated in the United States and have an EIN.rho.co · 30 Sept 2026
Company history: Rho states that it started in 2018 to build a financial services platform for companies.rho.co · 30 Sept 2026