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No. 20 of 97 ·Accounts Payable Software

Rho

Web · Android · iPhone · API

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Freedom report

Three barsScore 6.5

  • Free tierA free tier is on its own pricing page
  • Open codeNo open-source code on record
  • Runs widely3 of 6 device platforms
  • DocumentedPlans, terms and facts published

Rho is a finance platform that brings together business banking, corporate cards, expense management, bill pay, treasury and accounting automation. Its physical, virtual and vendor cards can have merchant, spending-limit and time controls. Expense tools combine card controls, approval rules, receipt capture and automated reconciliation. Rho Bill Pay lets customers upload, approve and pay hundreds of vendors with no platform fees and full audit trails. Listed accounting and ERP integrations include Xero, Campfire, Puzzle, Sage Intacct, NetSuite and QuickBooks; HR and travel integrations include BambooHR, Workday, Gusto, Navan, Emburse and SAP Concur. 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. The plan lists no subscription, per-user or platform fees, but includes a 1% foreign-currency transfer fee. Corporate card applicants need a US-incorporated business and an EIN. Mobile app links are provided for iOS and Android.

Who it is for

Rho suits businesses looking to combine banking, card spending, bill payment and expense workflows in one finance platform. Corporate card applicants must have a business incorporated in the United States and an EIN.

What is good

  • Combines cards, expense management, bill pay and banking.
  • Cards support merchant, limit and time controls.
  • Bill Pay has zero platform fees and audit trails.
  • Lists accounting, ERP, HR and travel integrations.
  • Provides mobile apps for iOS and Android.

What to know first

  • Foreign-currency transfers carry a 1% fee.
  • Corporate card applicants need a US-incorporated business and EIN.
  • Cashback is capped at $1,000,000 eligible annual card spend.
  • 24/7 support is advertised for enterprise customers.

Verdict

Rho combines financial operations and offers card controls, expense workflows and a range of integrations. Businesses considering it should account for the foreign-currency transfer fee and the eligibility requirements for corporate cards.

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
Yes

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