Rho Bill Pay is accounts payable software included with Rho Business Banking at no extra subscription cost. Rho scans each invoice automatically, bills route to the right approvers, and vendors get paid by ACH, wire, or mailed check directly from Rho Checking.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
What you get with Rho Bill Pay
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
- 01
Forward the invoice
Send vendor invoices to your dedicated Rho inbox, no logins required. Rho scans each invoice and extracts the vendor, amount, and due date into a draft bill.
- 02
Review the draft bill
Confirm the details Rho captured. Potential duplicate invoices are flagged before any bill is paid.
- 03
Route for approval
Bills go to the right approvers before any payment goes out. Approvers can review bills from the Rho mobile app.
- 04
Pay vendors from Rho Checking
Pay approved bills by ACH, wire, or check straight from your Rho Checking account, then keep bill and payment details in sync with your accounting.
No software cost. Included with banking.
- Automated invoice capture through a dedicated bill pay inbox
- Approval routing before any payment goes out
- Duplicate-invoice flagging before bills are paid
- Payments by ACH, wire, or check from Rho Checking
- Checks printed and mailed by Rho on your behalf
- Bill review in the Rho mobile app
Domestic ACH, wire, and check payments are $0.
Skip the manual entry
Forward invoices to your Rho Bill Pay Inbox, no login required; OCR drafts the bill for you to review.
Pay bills with confidence
Approval rules and duplicate detection catch issues; pay by ACH, check, card, or wire, with zero Rho fees on ACH.
Close the books faster
Bills and payments sync to QuickBooks, NetSuite, and Sage in real time; Native Strategies cut reconciliation to 15 minutes.
| Rho | |
|---|---|
| Software cost | Included with Rho Banking at no extra subscription cost |
| Domestic per-payment fees | $0 on ACH, wires, and checks |
| Automated invoice capture | Forward invoices to a dedicated Rho inbox, no logins required; Rho drafts the bill for review |
| Approval workflows | Route bills to the right approvers; flag potential duplicates before payment |
| Accounting sync | Keep bill and payment details in sync with your accounting |
| Rho | BILL | Ramp | Relay | |
|---|---|---|---|---|
| Software cost | Included with Rho Banking at no extra subscription cost | $49 to $89 per user per month; Enterprise custom | Free plan available; Ramp Plus $15 per user per month | Plans from $0 to $120 per month |
| Domestic per-payment fees | $0 on ACH, wires, and checks | ACH $0.59; mailed check $1.99 | “No software or transaction fees” on its free plan, per Ramp | “Additional transaction fees apply,” per Relay’s pricing page |
| Automated invoice capture | Forward invoices to a dedicated Rho inbox, no logins required; Rho drafts the bill for review | Yes | Yes | Yes |
| Approval workflows | Route bills to the right approvers; flag potential duplicates before payment | Automated approvals on all tiers; custom approval policies on higher tiers | Approval workflows | Multi-step bill approval rules |
| Accounting sync | Keep bill and payment details in sync with your accounting | Tiered: CSV import and export on the entry tier; two-way QuickBooks and Xero sync on Team and up | Syncs with 10 ERPs including NetSuite, Sage Intacct, and QuickBooks | QuickBooks Online and Xero |
Competitive data collected from BILL, Ramp, and Relay websites as of 2026-08-20, and may change.
AP automation software digitizes the invoice-to-pay process. It captures incoming invoices, extracts the details, routes each bill for approval, executes the payment, and syncs the result to your accounting system, replacing manual data entry at every step.
Rho Bill Pay builds that entire workflow into Rho Business Banking: invoices arrive in a dedicated inbox, Rho drafts the bill, approvals happen in Rho, and the payment leaves directly from Rho Checking. There is no separate AP subscription to buy and no third-party tool to connect to your bank account.
- Captures incoming invoices and extracts vendor, amount, and due date
- Routes each bill for approval before payment
- Executes payment and syncs to your accounting system
- No separate AP subscription, built into Rho Business Banking
Every AP automation platform runs the same core loop: capture, approve, pay, reconcile. Here is what each stage looks like in Rho.
- Invoice capture: Vendors or teammates forward invoices to your Rho inbox, with no logins required. Rho scans the invoice and extracts the vendor, amount, and due date into a draft bill, and potential duplicates are flagged before anything is paid.
- Invoice approval workflows: Rho routes each bill to the right approvers before any payment goes out, so controls live in the workflow instead of in email threads. Approvers can review bills from the Rho mobile app.
- Vendor payments: Rho pays approved bills by ACH, wire, or check directly from Rho Checking, with no fees on domestic payments. When a vendor needs a paper check, Rho prints and mails it on your behalf; you never order checkbooks or write checks yourself.
For most small businesses the honest answer is neither alone. A bank's bill pay is free but basic, dedicated AP software adds workflow but charges per user, and a business banking platform with built-in accounts payable, like Rho, combines both in one system.
Most advice frames this as a two-way choice. A bank's built-in bill pay is usually free but basic: payments without invoice capture or approval controls. Dedicated AP software adds the workflow but typically charges per-user subscriptions, and every payment still has to be funded from a bank account the software does not control. BILL, the category incumbent, runs $49 to $89 per user per month as of August 20, 2026.
There is a third option: a business banking platform with accounts payable built in. Rho Bill Pay gives you automated invoice capture, approval routing, and payments in the same platform as your checking account, and none of it is billed separately. The money moves directly from Rho Checking, so there is no separate software bill and no syncing a third-party AP tool to your bank.
- Bank bill pay (typical): Usually included with the account. Rare invoice capture. Rare approval workflows. Payments from your bank account.
- Dedicated AP software (typical): Per-user subscription is common. Standard invoice capture. Standard approval workflows. Payments from a connected external account.
- Rho: Included with Rho Banking, no extra subscription. Automated capture through a dedicated inbox. Bills route to approvers before payment. Payments directly from Rho Checking.
Rho's answer to choosing AP software starts with total cost: the subscription plus per-payment fees, not the headline price alone. Then check the payment rails: you want ACH, wires, and checks handled in one place so no bill needs a workaround. Look at controls next. Bills should route to approvers before money moves, and platforms like Rho flag duplicates before payment, not after. Small teams without a full finance function should weight automation heaviest, since invoice capture and approval routing are what replace manual AP work. Finally, decide whether you want AP software connected to your bank account or built into it. Rho takes the built-in path: accounts payable included with business banking, paid directly from Rho Checking.
- Start with total cost: subscription plus per-payment fees, not the headline price alone
- Check the payment rails: ACH, wires, and checks handled in one place so no bill needs a workaround
- Bills should route to approvers before money moves; platforms like Rho flag duplicates before payment
- Decide whether you want AP software connected to your bank account or built into it
Apply in less than 10 minutes. Banking, invoicing, cards, and bill pay, all live the moment your account is approved.
Frequently asked questions
AP automation software digitizes the invoice-to-pay process: it captures invoices, extracts the details, routes bills for approval, pays vendors, and syncs the results to accounting. Rho Bill Pay builds that workflow directly into Rho Business Banking, so bills are paid from Rho Checking without a separate AP subscription.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC. Competitive data collected from BILL, Ramp, and Relay websites as of 2026-08-20, and may change. Product claims current as of August 2026.