Rho review

Rho is a fintech banking platform rather than a standalone AP tool, and that is what makes its bill pay free. Its fee summary lists $0 subscription fees, $0 per-user fees and $0 for connected AP, expense and accounting automation, plus $0 for same-day ACH, wires and checks. Rho says its accounts payable capabilities are free to customers who hold Rho accounts. The same platform covers business checking and savings, corporate cards with up to 2 percent cashback on Rho Platinum, expense management with receipts, approvals and coding, invoicing and a month-end close tool. International payments run through Wise US Inc., with a 1 percent foreign currency conversion fee and an optional $15 SWIFT fee. The catch is the banking switch: you only get the free AP if you move operating cash to Rho. Its public pages say less about OCR accuracy, PO matching and multi-step approval rules than the dedicated AP suites on this list.

Who it is for

Startups and tech companies willing to move banking to Rho in exchange for fee-free AP.

Price

AP automation $0 for Rho customers; no subscription or per-user fees.

Connected, in-platform capabilities: AP, Expense & Accounting Automation $0
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Bill pay with $0 same-day ACH, wires and checks
• AP, expense and accounting automation included in the platform
• Corporate cards with up to 2% cashback on Rho Platinum
• Business checking and savings in the same account
• International payments through Wise US Inc.

Strengths and weaknesses

• Strength: No subscription, per-user or platform fees
• Strength: Same-day ACH, wires and checks cost $0
• Strength: Banking, cards and bill pay share one ledger
• Weakness: Free AP requires holding a Rho account
• Weakness: Foreign currency transfers carry a 1% fee
• Weakness: Fewer documented AP controls than dedicated AP suites

Key facts

• Subscription fee: $0
• Same-day ACH, wires, checks: $0
• FX conversion fee: 1%

Where it ranks

Rho is No. 6 in our Best Accounts Payable Software verdict.