Rho Bill Pay is accounts payable (AP) automation included with Rho business banking. It captures vendor invoices from a forwarded email, routes each bill for approval, pays approved bills by ACH, domestic wire, or check from Rho Checking, and syncs records to your accounting software. Rho charges $0 per domestic payment and $0 per month, with no per-user fee. It is built for startups and small businesses, and it does not include procurement or supply-chain management.
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, and by Lead Bank, Member FDIC.
What you get with Rho Bill Pay
¹ Published application-time claim for new Rho business banking applications; individual application times vary. 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, and by Lead Bank, Member FDIC.
- 01
Forward the invoice
Send a vendor invoice to your Rho Bill Pay inbox instead of entering it by hand.
- 02
Review the draft bill
Rho Bill Pay drafts the bill for review in a dedicated Rho inbox, no separate logins required.
- 03
Route for approval
Send the bill for approval within Rho Bill Pay.
- 04
Pay and sync
Once approved, pay by ACH, domestic wire, or check. The payment syncs to your accounting software.
Bill Pay, included. Not billed separately.
- Dedicated Rho inbox for incoming bills, no separate logins required
- Rho routes bills to the right approvers and flags potential duplicates before payment
- ACH, domestic wire, and check payments at no Rho per-payment fee
- No monthly, per-user, or minimum-balance fee across Rho banking, cards, expense management, and Bill Pay
Rho Bill Pay does not charge per user or per seat, and it does not include procurement or supply-chain management. It is accounts payable, included with your Rho business banking account. Bill Pay activates once your Rho business banking account is open.
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
Rho routes bills to the right approvers and flags potential duplicates before payment, then pays by ACH, domestic wire, or check. Rho charges no per-payment fee on domestic payments.
Close the books faster
Bills and payments sync with your accounting software, keeping your books up to date automatically.
| Rho | |
|---|---|
| Software cost | Included with Rho Banking at no extra subscription cost |
| ACH fee | $0 |
| Domestic wire fee | $0 Rho fee |
| Check fee | $0 |
| Automated invoice capture | Dedicated Rho inbox, no logins required, drafts the bill for review |
| Approval controls | Rho routes bills to the right approvers and flags potential duplicates before payment |
| Accounting sync | Included with Rho Bill Pay |
| 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 |
| ACH fee | $0 | $0.59 | “No software or transaction fees” on its free plan, per Ramp | “Additional transaction fees apply,” per Relay’s pricing page |
| Domestic wire fee | $0 Rho fee | Not listed on BILL’s pricing page | $15 per wire; free when paid from a Ramp Checking Account | $8 per wire on Starter; $5 on Grow and Scale |
| Check fee | $0 | $1.99 for a mailed check | “No software or transaction fees” on its free plan, per Ramp | “Additional transaction fees apply,” per Relay’s pricing page |
| Automated invoice capture | Dedicated Rho inbox, no logins required, drafts the bill for review | Yes | Yes | Yes |
| Approval controls | Rho routes bills to the right approvers and flags potential duplicates before payment | Automated approvals on all tiers; custom approval policies on higher tiers | Approval workflows | Multi-step bill approval rules |
| Accounting sync | Included with Rho Bill Pay | 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 2026-09-08 (domestic wire fees as of 2026-10-05), and may change.
Accounts payable automation is software that handles the accounts payable process, invoice intake, approval, and vendor payment, without manual data entry at every step. Rho Bill Pay is an accounts payable automation tool included with a Rho business banking account rather than sold as separate software. It captures invoices automatically, routes them for approval, and pays vendors by ACH, domestic wire, or check. It does not include procurement or supply-chain management.
- Captures incoming invoices and extracts vendor, amount, and due date
- Routes each bill for approval before payment
- Pays by ACH, domestic wire, or check and syncs to your accounting system
- No separate AP subscription, built into Rho Business Banking
The workflow has four parts. First, invoice intake: a vendor invoice is forwarded to a dedicated inbox instead of a person typing it into a spreadsheet. Second, automated invoice capture: the system pulls the vendor, amount, and due date into a draft bill and flags anything that looks like a duplicate. Third, approval routing: the bill goes to the right approver based on your rules, not a printed sign-off sheet. Fourth, payment and sync: once approved, the bill is paid and the record syncs to your accounting software. Rho Bill Pay runs all four steps from the same account you already bank with.
- 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, domestic wire, or check directly from Rho Checking, and charges no per-payment fee 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 a handful of bills a month, manual AP is often fine. Once invoice volume or approval headcount grows, the manual version is usually where late payments and duplicate payments start.
- Invoice entry: Typed in by hand from a paper or PDF invoice vs. captured automatically into a draft bill.
- Approvals: Routed by email or a printed sign-off sheet vs. sent to the right approver automatically.
- Duplicate payments: Caught after the fact, if at all vs. flagged before the bill is paid.
- Bookkeeping: Reconciled by hand at month-end vs. synced to your accounting software as bills are paid.
Start with cost structure. Dedicated AP tools often charge per user or per seat; Rho Bill Pay is included with a Rho business banking account, with no per-user fee. Check payment methods next. Rho Bill Pay supports ACH, domestic wires, and checks, and Rho charges no per-payment fee on domestic payments. Confirm approval controls fit your team, not the vendor's largest customer. And decide whether you want AP bundled with the bank account or bought as separate software. For a small business or startup with a lean finance team, Rho Bill Pay keeps banking, cards, and accounts payable in one login instead of stitching software together.
- Start with total cost: subscription plus per-payment fees, not the headline price alone
- Check payment methods next: confirm that ACH, wire, and check payments are covered, and compare the per-payment fee for each
- Confirm approval controls fit your team, not the vendor's largest customer
- Decide whether you want AP bundled with the bank account or bought as separate software
Open a Rho business banking account and Bill Pay is included. No extra software, no per-user fee.
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.
It replaces manual invoice entry and paper approval chains with automated invoice capture, approval routing, and payment scheduling. Rho Bill Pay captures invoice details automatically, flags potential duplicates before you pay, and syncs bill and payment records with your accounting software.
You can automate accounts payable by forwarding vendor invoices to a dedicated inbox instead of entering them by hand, routing bills to approvers automatically, and paying by ACH, domestic wire, or check from the same platform. With Rho Bill Pay, that workflow is included with your Rho business banking account, so there is no separate software to buy or set up.
The right fit depends on your invoice volume, existing accounting software, and whether you want AP bundled with banking or bought separately. Rho Bill Pay is one option built directly into Rho business banking, with no per-user software fee. BILL, Ramp, and Relay are dedicated AP or banking-plus-AP alternatives worth comparing (see the table above).
Dedicated AP software commonly charges $15 to $89 per user per month, depending on the vendor and tier. Rho Bill Pay carries no separate software, per-user, or platform fee. It is included with a Rho business banking account, and Rho charges $0 per payment on ACH, domestic wires, and checks.
Small businesses and startups generally do best with AP software that has no per-user fee and no minimum invoice volume, since finance teams are often one or two people. Rho Bill Pay is built for that profile. It is included with Rho business banking at no extra cost, with automated invoice capture and approval routing from day one.
Software can automate much of the accounts payable process today, invoice capture, approval routing, duplicate checks, and payment scheduling, but a person still approves each bill. Rho Bill Pay uses automated invoice capture (optical character recognition) to turn a forwarded invoice into a draft bill for your team to review, not an AI system that approves payments on its own.
BILL, Ramp, and Relay are widely used AP or banking-plus-AP platforms (see the comparison table above). Rho Bill Pay is an accounts payable option built directly into Rho business banking, for businesses that would rather manage bills and banking from one account than run separate software.
Rho Bill Pay is not sold as standalone software. It ships with a Rho business banking account, so bills, approvals, and payments run from one login instead of a separate AP tool bolted onto whatever bank you use today. That is the tradeoff by design: one account for banking, cards, and accounts payable, instead of stitching a dedicated AP tool onto a bank account you keep elsewhere. Talk to us if you want specifics on how opening a Rho account works alongside, or in place of, a bank you already use.
Bill Pay runs on your Rho checking account. Funds are FDIC insured up to $250,000 per entity, not per account, through Rho's partner bank, Webster Bank, a division of Santander Bank, N.A., member FDIC. FDIC deposit insurance protects against the failure of the insured bank; it does not protect you against the failure of Rho or any other third party. Rho itself is a fintech company, not a bank or an FDIC-insured depository institution.
If your team wants banking, cards, and accounts payable in one login, Rho Bill Pay is accounts payable automation built directly into your Rho business banking account, with no separate software to buy. A dedicated AP tool can make sense if your team needs deeper approval-policy customization than a banking-included tool offers.
Rho Bill Pay charges no per-payment fee on domestic ACH, domestic wires, or checks, and no monthly or per-user software fee. It is the accounts payable automation feature included with Rho business banking. It includes automated invoice capture, approval routing, and accounting sync, all for $0 platform fees, because it ships with a Rho business banking account instead of being sold as separate software.
No, Rho Bill Pay does not charge for ACH payments. ACH is $0 and included with Rho business banking, with no per-user fee and no separate Bill Pay subscription.
Yes, Rho Bill Pay can pay vendors by domestic wire, and Rho does not charge a per-payment fee for domestic wires. If a wire fails and is returned, the receiving bank may deduct a fee of around $20 to $45, which is not a Rho fee. You can pay an individual bill by wire directly in Bill Pay, along with ACH and check, with no per-user fee and no separate Bill Pay subscription.
Bill pay sends a payment you have already decided to make. AP software covers the full path before it: invoice capture, approval routing, duplicate checks, payment, and accounting sync. Rho Bill Pay includes all of those steps and is part of Rho business banking at $0 per month.
Rho routes each bill to the right approvers before any payment goes out, and flags potential duplicates before payment. Approvers can review bills from the Rho mobile app.
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, and by Lead Bank, Member FDIC. Any third-party links are provided for informational purposes only. The third-party sites and content are not endorsed or controlled by Rho. Competitive data collected from BILL, Ramp, and Relay websites as of 2026-09-08 (domestic wire fees as of 2026-10-05), and may change. Product claims current as of September 2026.