Product
BILL pieces cards, expenses, and AP together with add-ons and separate modules. Rho gives you cards, AP, expenses, and banking in one system with real-time automation built in.
Rho vs. BILL
Higher rewards, zero fees, and all-in-one automation. BILL makes you pay for every seat and every transaction. Rho doesn’t.
Why startups choose Rho over BILL
You get one unified platform, simple rewards, and zero surprise fees so you can scale without the bloat.
Rates
BILL's rewards are tied to confusing point rules, minimum spend, and repayment schedules. Rho gives you up to 2 percent cashback with no thresholds, no tiers, and no platform fees.
Service
BILL support is slow and ticket-driven. Rho gives you fast human support through chat, email, or phone so issues get resolved quickly.
Compare Rho vs. BILL
See how Rho and BILL (formerly Divvy) stack up on fees, support, and scale.
| Rho | BILL / Divvy | |
Cashback | Up to 2% cashback | Points with spend rules and delayed redemption |
Platform & seat fees | Free | $45–$89 per user per month for AP/AR; extra for procurement |
Transaction fees | Free ACH and free domestic wires | $0.59 per ACH, $1.99 per check, 2.9% card payment fee, 10% instant transfer fee |
Bill Pay automation | Integrated and free | AP billed separately, plus per-transaction fees for checks and faster payments |
Expense controls | Real-time policies, receipts, and coding | Budget-only controls, limited data, 1-way sync |
Credit limits | Higher, more stable limits | Rigid underwriting, $20K+ minimum cash often required |
Platform scope | Cards, AP, expenses, banking, and treasury | Cards + expenses only, no banking or treasury |
| Rho | BILL / Divvy |
Cashback | |
Up to 2% cashback | Points with spend rules and delayed redemption |
Platform & seat fees | |
Free | $45–$89 per user per month for AP/AR; extra for procurement |
Transaction fees | |
Free ACH and free domestic wires | $0.59 per ACH, $1.99 per check, 2.9% card payment fee, 10% instant transfer fee |
Bill Pay automation | |
Integrated and free | AP billed separately, plus per-transaction fees for checks and faster payments |
Expense controls | |
Real-time policies, receipts, and coding | Budget-only controls, limited data, 1-way sync |
Credit limits | |
Higher, more stable limits | Rigid underwriting, $20K+ minimum cash often required |
Platform scope | |
Cards, AP, expenses, banking, and treasury | Cards + expenses only, no banking or treasury |
Meet our customers
“It’s nice to feel so cared for.”
Atul Raghunathan, Founder & CRO
"Our accountants love them."
Landseer Enga & Anam Hira, Co-Founders
"They've scaled with us."
James Jiang, Co-founder & CEOStart here. Scale everywhere.
Rho is the startup banking platform that helps you earn more, move faster, and grow without switching tools.
Set up cards, AP & banking fast
Issue Rho Cards with up to 2 percent cashback, run AP and expenses in the same system, and move money without paying ACH or wire fees.
Dedicated support for founders
Every Rho customer gets fast, human support with real operators who can solve AP, card, and banking issues in minutes—not ticket queues.
Eliminate expense admin
Rho enforces spend policies in real time and auto-handles receipts, coding, and approvals so your team doesn’t get buried in Divvy-style manual cleanup.
Pay vendors without friction
Rho Bill Pay reads invoices with AI, routes approvals, and pays vendors directly with $0 ACH and wire fees—no $0.59 ACH charge or 2.9 percent card fee.
Close the books faster
Rho Accounting syncs enriched card and AP data straight into your ledger, giving you clean books without the 1-way sync limitations of BILL Spend & Expense.
Set up cards, AP & banking fast
Issue Rho Cards with up to 2 percent cashback, run AP and expenses in the same system, and move money without paying ACH or wire fees.
Dedicated support for founders
Every Rho customer gets fast, human support with real operators who can solve AP, card, and banking issues in minutes—not ticket queues.
Eliminate expense admin
Rho enforces spend policies in real time and auto-handles receipts, coding, and approvals so your team doesn’t get buried in Divvy-style manual cleanup.
Pay vendors without friction
Rho Bill Pay reads invoices with AI, routes approvals, and pays vendors directly with $0 ACH and wire fees—no $0.59 ACH charge or 2.9 percent card fee.
Close the books faster
Rho Accounting syncs enriched card and AP data straight into your ledger, giving you clean books without the 1-way sync limitations of BILL Spend & Expense.
Backed by our people, in your corner 24/7
We show up fast, solve what matters, and obsess over you winning.
We’re ready
when you are.
Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.
