Rho provides business banking, corporate cards, and bill pay for startups and scale-ups.
Rho is a business banking and finance platform for growing dtc brands, bundling corporate cards, bill pay, and expense management at $0 subscription. Best fit for Shopify brands tired of stitching together separate banking, AP, and expense tools, and ready to automate reconciliation into their accounting stack.
What Rho does for Shopify brands
- 1.5% cashback on all corporate card spend
- $0 domestic wires & ACH transfers replace per-transfer fees
- Replaces paid expense & AP tools (Concur, Expensify, Brex) at $0
- Auto-syncs every transaction to QuickBooks, NetSuite, Xero, or Sage in real time
- Reconciliation that took a full business day now finishes in minutes
Overview
Rho is a business banking and finance platform that combines checking, savings, corporate cards, expense management, bill pay, invoicing and treasury in one place. It is a fintech company, not a bank; banking services are provided by partner banks. It is meant to replace several separate finance tools for startups, small businesses and consumer brands.
For Shopify brands
- Banking, corporate cards and expense management sit in one platform, so a brand does not need separate tools for each.
- Bill Pay takes in invoices from suppliers such as co-packers, freight and brokers, with rules and bulk approval.
- Rho syncs with QuickBooks, Sage Intacct and NetSuite so transactions can be reconciled in the accounting system.
How it works
A business applies online with its formation documents, business and industry information, tax ID and beneficial owner details; companies applying for a credit card also provide financial information for underwriting. Rho then provides the account, cards and finance tools, with live chat, phone and email support available 24/7.
- Built for
- Startups, small businesses, enterprises with multiple entities and consumer brands incorporated in the United States, excluding sole proprietorships and some high-risk industries.
- Pricing
- Rho charges no subscription, per-user or minimum-balance fees on business checking, and $0 for domestic ACH and wires. Foreign currency transfers carry a 1% fee, and international wire recall is $30. Rho Treasury charges a management fee.
Products
- Business Checking Checking account with domestic ACH, wires and checks, deposit insurance up to $250K through partner banks.
- Business Savings Savings account that sweeps deposits across partner banks for up to $75M in FDIC insurance.
- Corporate Cards Cards with per-card spending limits, merchant restrictions and automatic receipt matching; up to 2% cashback with Rho Platinum.
- Expense Management Receipts, approvals and transaction coding for team spending.
- Bill Pay Scan, approve and pay vendor invoices, with accounts payable automation.
- Rho Treasury Investment account holding U.S. Treasury bills and money market funds, offered through an SEC-registered adviser.
Integrations
Buyer notes
- Business must be incorporated in the US, with a US operating address or a US-based owner with a valid tax ID.
- Support is available 24/7 by live chat, phone at 1 (855) 743-8746 or email at clientservice@rho.co.
- Rho Treasury is an investment account, not a bank account, and is not FDIC-insured.
- The Rho API is read-only and available to every Rho customer.
From Rho's own site and Shopify App Store listings, as of 2026-10-30.
How much does Rho cost?
Rho charges no subscription, per-user or minimum-balance fees on business checking, and $0 for domestic ACH and wires. Foreign currency transfers carry a 1% fee, and international wire recall is $30. Rho Treasury charges a management fee.
