Rho AP Automation

Process your invoices in seconds – without fees.

Streamline invoice management, eliminate manual data entry, and strengthen vendor relationships. Automate accounts payable with Rho today.

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Rho is a fintech company, not a bank. Rho partners with FDIC-insured banks to offer banking products and services. Applying will not impact your personal credit score.
“Rho simplified our expense, procurement, and payables processes, making it easy for our brands to manage invoices and saving us hours of reconciliation time every week.”
Brian Willet, Co-Founder & CEO

Scale your AP processes and reduce operational costs

Process invoices faster, send fee-free payments at scale, and streamline accounting with Rho.
Automate Accounts Payable today with Rho.
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*International wires in USD can be subject to additional fees set by recipient, correspondent, or intermediary banks, in addition to the SWIFT network. FX Fee is charged
at 1% for global currencies. For full pricing visit pricing.

Automate your Accounts Payable process today with Rho.

Meet the simplest, most powerful AP automation experience.

Process your invoices in seconds.

Send your invoices to a dedicated inbox and watch Rho’s invoice automation slash processing costs and mitigate human errors.

Keep spend controlled with approval rules.

Automate your invoice approval process with smart controls and notifications when invoices need attention.

Eliminate payment delays and late fees.

Track real-time company spending and earn up to 1.25% cashback.

Enjoy easy bill reconciliation.

Simplify reconciliation and sync bill payment status data between Rho and your accounting software.
Make AP management easier with Rho today.
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Multiple capabilities – one powerful online banking platform

Experience the benefits of a Rho business bank account today.

Track advertising spend. 


Running advertising campaigns on Facebook or TikTok? Create virtual Rho corporate card that can only be spent with those merchants and understand spending in real-time.

Execute procurement spending with ease.

Assign individual Rho corporate cards to specific vendors or categories of company expenses, simplifying your procurement and accounts payable processes.

Pay for employee travel-related business expenses.

Book your flights and pay for team and client meals with Rho corporate cards to specific budgets or teams.

Distribute employee cards with full control.

Give your employees cards with strict spend limits and controls that help them pay for needed materials and office supplies while maintaining expense policy compliance.

Manage client budgets.


From construction companies to advertising agencies, Rho corporate cards can help track granular spending by client or job code, making budgeting easier.

Limit cardholder access to the C-Suite.

Some businesses prefer to limit corporate card access to senior executives or owners.
Rho corporate cards can easily be assigned just to senior level employees.

Track advertising spend. 


Running advertising campaigns on Facebook or TikTok? Create virtual Rho corporate card that can only be spent with those merchants and understand spending in real-time.

Execute procurement spending with ease.

Assign individual Rho corporate cards to specific vendors or categories of company expenses, simplifying your procurement and accounts payable processes.

Pay for employee travel-related business expenses.

Book your flights and pay for team and client meals with Rho corporate cards to specific budgets or teams.

Distribute employee cards with full control.

Give your employees cards with strict spend limits and controls that help them pay for needed materials and office supplies while maintaining expense policy compliance.

Manage client budgets.


From construction companies to advertising agencies, Rho corporate cards can help track granular spending by client or job code, making budgeting easier.

Limit cardholder access to the C-Suite.

Some businesses prefer to limit corporate card access to senior executives or owners.
Rho corporate cards can easily be assigned just to senior level employees.

It all starts by opening your Rho account.

Our unique underwriting method works to help businesses access higher, more stable limits.
1.

Apply for a Rho Card in minutes.

Tell us more about your business and upload important documents needed to start the underwriting process.
2.

Experience holistic underwriting.

We use comprehensive data that helps businesses access higher, more stable limits.
3.

Set up your team in just a few clicks.

In seconds, generate your first Rho Card with configured spend controls and start automating invoices today.
“With Rho, I can set and enforce a single standard for the entire finance organization that our teams love – and all without adding any new people.”
Kathleen Lloyd, Corporate Controller

Ditch manual tasks for a world-class AP process.

See why one-person finance teams and seasoned accounts payable departments trust Rho AP Automation.

From manual finance

Your old corporate card can’t stop non-compliant spending and slows down your accounting team.

To frictionless finance

Your Rho Corporate Card keeps spend controlled and boosts the productivity of your finance team.
Streamline your invoice management process today.
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How Rho AP Automation compares to AP solutions

Experience modern AP Automation – without annoying fees, late payments, or paywalls.
 
Dedicated AP inbox
No platform fees
Integrated checking account ($0 ACH fees)
Same Day free ACH
Check payments
Card payments
Built-in Banking
Customer support
2-way accounting sync
Free, paid within 7 business days
Free
Live support, 7 days a week
BILL
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1.69+/check
2.9% transaction fee/payment (fees apply to payer)
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Requires Bill.com Essentials
Yes, with requires paid enterprise contract
QuickBooks Bill Pay
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15$/month
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$1.50 each
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QuickBooks only
Ramp
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Adds 2-5 
business days to debit account
Free
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Requires 
Ramp Plus
Yes, with paid
Ramp Plus plan ($15/seat)
Ditch platform fees, late payments, and paywalls for Rho.
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Competitive data was collected from the BILL, QuickBooks, and Ramp websites  as of March 1, 2024, and is subject to change or update.

FAQs

See answers to common questions we get from customers about Rho AP automation software.

Why do businesses use accounts payable automation software?

The AP process is time-consuming, so it’s common for CFOs to hire AP staff on their finance teams. The manual, paper-based tasks of managing invoices can become overwhelming and, depending on transaction fees charged by their business bank, costly for small business owners and startups.

AP automation software can streamline the process – from invoice management to payment and reconciliation – drive cost savings, improve cash flow, and remove time-killing bottlenecks.

The right automation system helps you spend less time on manual data entry, go paperless, and more time on higher-value work – without needing a full-blown AP department.

What is OCR?

OCR is “optical character recognition,” a tool that leverages artificial intelligence and machine learning to recognize text within a digital document, such as a scanned paper invoice.


Rho’s OCR functionality is powered by OpenAI. When a Rho customer sends an invoice file to their dedicated Rho AP Inbox, we convert the picture into an electronic file.

How does Rho AP automation help businesses?

After scanning an invoice, Rho then pulls invoice data like vendor and payment details, runs duplicate invoices and duplicate payment checks, executes invoice approval workflow routing, and auto-syncs with ERP systems, creating a corresponding liability with corresponding payment due dates.


Users then easily authorize bill payments, and Rho will track detailed payment processing statuses and automatically mark liabilities as paid in your ERP.

How much is Rho’s AP automation solution?

Rho’s accounts payable automation capabilities are free to Rho customers who bank with Rho. While Rho does not charge for ACH or wires, clients may experience fees with international wires charged by receiving institutions not controlled by Rho. Check out our pricing page for more information.

How does Rho compare to other AP automation software?

Great question! We wrote an entire guide to the best AP automation software on the market to help answer this question, including how Rho AP automation works.


In summary: Rho integrates banking and AP automation in one platform, helping to mitigate issues commonly caused by AP automation process point-solutions. 


Examples include late payments, limited financial visibility, increased risk of human error, time-consuming business processes, problematic vendor relations due to delayed payments, and complex reconciliation process. 


Plus, we don’t have platform or transaction fees that many competing AP automation systems on the market charge clients.

Does Rho have procurement capabilities?

We do not currently offer procurement, procure-to-pay, or supply chain management capabilities beyond in-platform vendor management and onboarding tools.

Does Rho offer three-way match?

No, not at this time. However, Rho’s electronic invoicing (e-invoicing) automation capabilities include two-way match between invoices and purchase orders.

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