How does Rho make money?

Rho makes money primarily through interchange fees on our corporate cards and interest income on deposits. There are no hidden fees or additional charges through our bank partnership.

The only fees we charge are on FX transfers and treasury management (15-60bps annually, based on our cost to provide those services). You can see full details on our [pricing page](https://www.rho.co/pricing) and [treasury page](https://www.rho.co/product/treasury).

When should a founder open a bank account?

A founder should open a bank account when the startup is legally organized as a business entity. The sooner a founder opens a bank account, the faster they can build a banking relationship and a business credit history.

Should a startup split deposits between different banks?

Yes. Many financial institutions now have systems that transfer bank balances to other FDIC-insured banks when the total balance in one bank is higher than the $250, 000 FDIC insurance limit.

Companies that spread deposits between multiple accounts are less risky if one bank has financial trouble.

Is Silicon Valley Bank still good for startups?

The [Washington Post](https://www.washingtonpost.com/technology/2024/03/14/silicon-valley-bank-collapse-acquisition-svb/) explains that Silicon Valley Bank (SVB) is now owned by First Citizens Bank, which bought the deposits and branches out of bankruptcy after the March 2023 SVB collapse. Eighty-one percent of customers still have accounts at SVB.Most SVB customers now have multiple bank accounts and do not rely completely on SVBs management team. Many startup founders are spreading deposits between various banks to protect company assets.

What are the best banks and fintechs for tech startups?

This article points out that some banking options offer low-cost banking services and platforms, and others offer a limited number of integrations. Fees vary widely depending on the services offered.

Rho is the modern banking platform built for startups who need to move fast. Open banking, issue cards instantly, and start earning industry-leading yield on idle cash—all in minutes, not days. While other banks force you to patch together multiple tools or switch platforms as you scale, Rho gives you everything from day one: checking, cards, treasury, bill pay, and accounting automation in one connected system. You get the competitive rates and enterprise-grade infrastructure of a platform built for scale, with the responsive service of a team that actually cares. Set it up once, trust it as you grow, and never outgrow your banking stack.

How do I set up ACH or wire payments with Rho, and how long do they typically take?

Standard [ACH transactions typically take 1-3 business days](https://www.rho.co/blog/how-long-does-an-ach-transfer-take) to process, while wire transfers are usually completed within the same day or the next business day.

To send an ACH or wire payment from your Rho account, you initiate the transfer through the Payments or Banking tab in your Rho dashboard. Settlement times vary by payment type and cut-off times. ACH transfers generally take same day if created before 2 pm ET for amounts under $1 million and otherwise 1–3 business days to complete. Standard ACH transactions are processed through the ACH network and timing reflects batch settlement. Domestic wire transfers initiated before 4:45 pm ET are typically received by the beneficiary the same business day; wires sent after that cut-off are usually delivered the next business day.

Settlement timing depends on the receiving bank’s policies and external network processing schedules. For more details on payment timing, see Rho’s [payment settlement times](https://www.rho.co/help-center/payments/payment-settlement-times) documentation in the Help Center.

If you’re ready to get started, open a [Rho account](https://signup.rho.co/) today.

Why do banks charge $15-$50 for wire transfers while Rho charges $0?

Traditional banks charge wire transfer fees to cover operational costs and generate revenue from transaction processing. These fees typically range from $15-$50 per outgoing wire and $10-$15 for incoming wires. Banks also charge $0.20-$1.50 per ACH transfer or monthly service fees for ACH processing.

Rho eliminates these fees entirely. As a modern financial platform built on streamlined technology, Rho offers $0 domestic wire transfers and $0 ACH payments with no monthly minimums or hidden charges.

For businesses processing 100+ payments monthly, switching to Rho typically saves $5,000-$15,000 annually on transfer fees alone. You also gain automated vendor payment workflows, direct accounting integrations, and real-time payment visibility—all in one platform. Open a [Rho account](https://signup.rho.co/) or [explore pricing](https://www.rho.co/pricing) today.

Why are there different routing numbers for ACH payments and wire transfers?

[ACH payments and wire transfers](https://www.rho.co/blog/ach-payment-vs-wire-transfer) are processed through different payment networks, and banks may assign separate routing numbers to each to ensure transactions are handled correctly. Using the wrong routing number for a specific transaction type can result in delays or failed payments.

Is an ABA number, bank transit number, and routing number the same?

Yes. An ABA number, bank transit number, and routing number all refer to the same nine-digit identifier originally established by the American Bankers Association. These terms are often used interchangeably and are used to route payments such as direct deposits, ACH transfers, and bill payments to the correct financial institution.

What kind of customer support do Rho and SVB provide for startups?

Rho provides dedicated support for every client, while SVB support tiers vary by relationship size. Every Rho customer has a direct point of contact accessible via chat, email, or phone. SVB’s service model for smaller or early-stage accounts often relies on ticket-based systems and general support queues, which can lead to delays for growing teams that need speed.

How much FDIC coverage does Rho offer compared to SVB?

Rho offers up to $75M in FDIC coverage through its network of over 400 FDIC-insured banks, while SVB offers the standard $250K FDIC coverage.

What are the ACH and Bill Pay fee differences between Rho and SVB?

Rho offers $0 same-day ACH and bill pay, while SVB charges $5 per same-day ACH and a $10 monthly bill pay fee. Additionally, SVB charges $0.40 per bill pay item after the first 15 transactions. By eliminating these per-item costs, Rho allows scaling startups to automate vendor payments without the mounting transaction fees often associated with SVB’s legacy fee structure.

Do Rho and SVB offer similar cashback on corporate cards?

No, Rho provides up to 1.5% flat cashback on all spend, while SVB primarily offers points-based rewards through its Innovator Card. Rho’s rewards are liquid and credited directly to your account, whereas SVB’s points may require specific redemption categories or thresholds to achieve maximum value. Rho's model ensures a straightforward return without the need to manage complex portals or redemption tiers.

How does Rho's platform differ from SVB?

Rho provides banking, cards, bill pay, and expenses in one unified platform with no fees, whereas SVB relies on legacy tools and adds fees for basic services. While SVB often charges for essentials like same-day ACH, wires, and bill pay as separate add-ons, Rho integrates these capabilities into all-in-one dashboard with $0 platform or account fees.

How quickly can I set up an account with Rho compared to HSBC?

You can open a Rho account and issue corporate cards in minutes, while HSBC’s onboarding process can take days or weeks due to rigid underwriting. Rho is built for the pace of the innovation economy, offering a digital-first application process that prioritizes speed and modern security, allowing founders to continue building and move money quickly.

Do Rho and HSBC include built-in accounts payable and expense management?

Rho includes integrated Bill Pay and expense management at no extra cost, while HSBC requires third-party tools for these functions. Rho’s platform scans invoices, routes approvals, and syncs receipts directly to your ledger (NetSuite, QuickBooks, or Sage Intacct). HSBC is a traditional banking layer that lacks native, real-time expense automation, often requiring founders to pay for external software like Expensify or BILL.

How does customer support differ for startups with Rho versus HSBC?

Rho provides a dedicated account manager to every client at no additional cost, while HSBC reserves dedicated relationship managers for certain stages and balance tiers. Every Rho customer has a direct human point of contact from day one. HSBC’s service model for smaller or early-stage accounts often relies on general call centers and automated phone trees, which can lead to resolution delays.

Does Rho offer higher FDIC insurance than HSBC?

Yes, Rho offers up to $75M in FDIC coverage through its network of over 400 FDIC-insured banks, while HSBC offers the standard $250K FDIC coverage.

What are the main fee differences between Rho and HSBC?

Rho charges $0 monthly fees with no balance requirements, while HSBC charges $50 per month unless you maintain $75K–$100K+ in balances. Unlike HSBC, which requires high minimums or $5,000 in monthly direct deposits to waive maintenance fees, Rho provides its full suite of banking, cards, and automation to every client regardless of their current stage or cash position.

Do Rho and Chase offer built-in expense management and AP automation?

Chase is a traditional bank that requires third-party software for automation, while Rho includes AI-powered Bill Pay and expense management for free. Rho’s platform automatically scans invoices, routes approvals, and syncs receipts directly to your ledger. Chase users must manually reconcile statements or pay for external tools like BILL or Expensify to achieve the same level of automation.

How do yields on idle cash differ between Rho and Chase?

Rho Treasury offers automated, competitive yield on idle cash with next-day liquidity, while Chase pays near-zero interest on most standard business checking accounts. Rho integrates treasury management directly into your operating flow, ensuring your cash earns a market-leading rate automatically.

What are the differences in support for startups using Rho versus Chase?

Rho provides a dedicated human account manager to every client, while Chase does not include dedicated account managers and relies on phone trees and branch visits. Rho ensures that every business, regardless of size, has a direct point of contact for urgent wires and account issues.

How does FDIC protection at Rho compare to Chase?

Rho offers up to $75M in FDIC coverage through its network of over 400 FDIC-insured banks, whereas Chase provides the standard $250K limit.

What are the main fee differences between Rho and Chase?

Rho charges $0 in monthly platform fees and $0 for ACH and domestic wires, whereas Chase charges monthly service fees and transaction-based fees. While Chase offers ways to waive its $15-$95 monthly service fees through high minimum balances, Rho includes its entire suite of AP automation, expense management, and banking features with no account minimums or hidden transaction costs.

How do Rho and BILL platforms differ?

Rho provides integrated banking, treasury, cards, and AP all in one system, while BILL is a standalone software tool without native banking or treasury services. This allows Rho to offer automated yield on idle cash and free ACH and domestic wire fees.

How does customer support differ between Rho and BILL?

Rho provides dedicated, 24/7 human support via chat, email, or phone, whereas BILL support is largely ticket-driven and notoriously slow. Every Rho client has a direct line to a human account manager to resolve urgent wire or card issues in minutes, avoiding the multi-day wait times often associated with BILL’s automated support queues.

How do Rho’s expense controls and accounting sync differ from BILL?

Rho provides real-time policy enforcement and two-way accounting sync, while BILL often relies on one-way sync and budget-only controls. Rho’s native integrations for QuickBooks, NetSuite, and Sage Intacct capture enriched data, including receipts and GL codes, instantly. This prevents the manual data cleanup and reconciliation often required with BILL’s more limited accounting exports.

Does Rho charge platform or per-user fees like BILL?

No, Rho has $0 platform and seat fees, whereas BILL charges between $45-$89 per user, per month for AP/AR features. Unlike BILL, which adds extra costs for procurement and per-seat access, Rho includes its entire suite of expense management, automated accounts payable, and banking tools at no additional cost to the client.

How do Rho rewards compare to BILL?

Rho offers up to 1.5% flat cashback on all spend, whereas BILL uses a points-based system with complex spend rules and delayed redemption. While BILL requires specific spending patterns and repayment schedules to maximize point value, Rho provides predictable, liquid capital that is credited directly to your account monthly without the need to manage rewards tiers or expiration dates.

Why do businesses switch from Amex to Rho?

Most businesses switch to Rho to eliminate manual accounting work and gain real-time visibility into their total cash position. While Amex is a powerful travel tool, Rho acts as a unified financial platform that connects your cards, banking, and AP directly to your books. This integrated approach can cut the time required for month-end close by up to 90%.

How does customer support for startups differ between Rho and Amex?

Rho provides a dedicated human account manager to every client, while Amex reserves its highest-tier support for large corporate or premium accounts. Every Rho customer can access 24/7 support via chat, email, or phone with average response times under one minute. Startups on standard Amex plans typically rely on general call centers and automated phone trees.

How does Rho handle accounting integrations versus Amex?

Rho provides direct-to-GL integrations with enriched data including receipts, tags, and vendors, while Amex is limited to bank feed only with less detailed data. Rho’s native integration features eliminate the need for manual data stitching that’s required to reconcile Amex statements at month-end.

How do Rho’s spend controls compare to Amex?

Rho provides advanced, real-time spend controls like merchant-specific limits, whereas Amex offers basic controls that often rely on manual post-purchase review. With Rho, you can issue unlimited virtual cards with preset rules that decline non-compliant transactions instantly. Amex is primarily a standalone card where policy enforcement typically happens manually during the accounting close.

How do rewards compare between Rho and Amex?

Rho offers up to 1.5% flat cashback with no redemption restrictions, while Amex uses a points system where value varies significantly based on redemption. Rho’s flat-rate cashback provides predictable, liquid capital that can be reinvested directly into business operations.

What are the main fee differences between Rho and Amex?

Rho charges $0 in annual fees or per-user seat fees, whereas the Amex Business Platinum card charges $895 per year. While Amex provides travel-heavy statement credits to offset its cost, Rho provides institutional-grade corporate cards and banking with no subscription or platform fees for any client, allowing startups to scale without managing complex reward systems or hidden costs.

How do Rho and Ramp differ for earning yield on idle cash?

Rho Treasury provides automated, competitive yield with next-day liquidity, while Ramp’s cash management features are often gated behind paid tiers. Rho integrates treasury management directly into the operating account, allowing idle cash to earn yield automatically. Ramp users often need to upgrade to Plus or Enterprise plans to unlock similar high-value cash management tools.

What is the difference between Rho and Ramp customer support?

Rho provides 24/7 live human support to every client, while Ramp restricts premium support to its higher-paid tiers. Rho ensures that every business, regardless of size, has access to a real human point of contact for urgent banking and card issues. Ramp users on the free plan often rely on automated help centers or general support queues.

Does Rho include ERP integrations at no extra cost?

Yes, Rho includes ERP integrations like QuickBooks, NetSuite, and Sage Intacct at no cost. Ramp includes basic accounting integrations in its free tier but requires users to upgrade to paid tiers in order to access more advanced features.

What are the main pricing differences between Rho and Ramp?

Rho charges $0 in platform fees and includes all automation features for every client, while Ramp charges $15 per user per month for Ramp Plus and custom pricing for Enterprise tiers. Unlike Ramp, which gates advanced features like multi-entity support and global capabilities behind a per-user paywall, Rho includes all expense management, AP automation, and integration features at no additional platform or per-seat cost.

How does Rho’s cashback compare to Ramp?

Rho offers up to 1.5% flat cashback on all spend, whereas Ramp offers a maximum of 1.5%. While Ramp provides a competitive rate, Rho’s higher cashback tier allows businesses to capture significantly more value on every dollar spent without the need for complex spending category restrictions.

How does Rho Treasury yield compare to Brex?

Rho offers automated, competitive yield with daily liquidity, while Brex treasury often requires manual transfers. Rho’s treasury management is built directly into the operating account, ensuring idle cash earns a competitive rate automatically. Brex users often have to manually move funds between Vault and Checking to capture yield.

How does customer support for startups differ between Rho and Brex?

Rho provides a dedicated account manager to every client, whereas Brex reserves dedicated support for Enterprise-tier customers. This means Rho clients have a direct human point of contact for urgent wires and account issues, while standard Brex users primarily utilize automated help centers and general support queues, which can result in slower resolution times for growing businesses.

Does Rho charge fees for expense management?

No, Rho includes expense management and ERP integrations for free, while Brex often requires a paid plan. To access advanced expense policies and integrations with NetSuite or Sage Intacct, Brex users typically must pay for a Premium ($12/user) or Enterprise plan. Rho provides these features at no additional platform or per-user cost.

Is Rho or Brex safer for large cash balances?

Rho offers significantly higher security with up to $75M in FDIC coverage, compared to Brex’s $6M limit. Rho achieves this by partnering with a network of over 400 FDIC-insured banks and distributing funds across this network of banks. Brex partners with Column N.A., a smaller institution with under $1B in assets.

How do Rho’s cashback rewards compare to Brex?

Rho provides up to 1.5% flat cashback on all spend, whereas Brex utilizes a points-based system worth approximately 0.6% to 1.2% in cash value. While Brex requires spending in specific categories (like travel or dining) to maximize points, Rho offers a simplified flat rate that ensures a predictable, high yield on every dollar spent without the need to manage complex rewards portals or point conversions.

What are the differences in accounting integrations between Rho and Mercury?

Rho includes full, two-way accounting automation for all clients, while Mercury gates advanced NetSuite and recurring invoicing features behind its $35/month plan. Rho’s native integrations with NetSuite, QuickBooks, and Sage Intacct are designed to reduce month-end close time by up to 90% through automated receipt matching and GL coding, all provided at no additional platform cost.

How do expense reimbursement costs compare between Rho and Mercury?

Rho offers free expense reimbursements for an unlimited number of users, while Mercury requires a paid plan to reimburse more than five users. For growing teams, Mercury’s per-user restrictions create a growth tax, whereas Rho allows you to scale your team and your expense policies without increasing your software costs.

How do Rho and Mercury differ in customer support for startups?

Rho provides a dedicated human account manager to every client at no cost, while Mercury charges $350/month for dedicated relationship support. Every Rho customer has a direct human point of contact available via chat, email, or phone. Standard Mercury users primarily rely on email-based support, which can lead to slower resolution times for urgent financial issues.

How much FDIC coverage does Rho offer compared to Mercury?

Rho offers up to $75M in FDIC coverage through its network of over 400 FDIC-insured banks, whereas Mercury provides up to $5M in coverage.

Does Rho charge platform fees like Mercury?

No, Rho has $0 platform fees for all features, while Mercury charges $35/month for Plus and $350/month for Pro tiers. Mercury’s paid plans are required to unlock advanced features like recurring invoices, dedicated support, and automated reimbursements for more than five users. Rho includes its entire suite of AP, expense management, and treasury tools for free for every client.

How do Rho rewards compare to Mercury?

Rho offers up to 1.5% flat cashback on all card spend, while Mercury offers a maximum of 1.5% cashback. Unlike Mercury, which requires users to navigate specific spend rules to maximize points, Rho provides a predictable, liquid cash return that is credited directly to your account with no redemption thresholds or complex tiers.

Can I customize or specify the types of deal flow opportunities or founder introductions we receive from Rho?

Absolutely. Contact the Rho VC Partnerships team to customize these opportunities and introductions.

How much FDIC insurance does the Rho Business Savings Account provide?

Up to $75M in FDIC insurance per entity. Your deposits are automatically spread across a network of more than 400 FDIC-insured banks, so each portion stays within the $250K limit. You get expanded protection without managing dozens of accounts yourself.

Do I need a Rho Checking Account to open Savings?

Yes. Savings works alongside Rho Checking so you can move funds instantly, maintain clean cash visibility, and use one platform for banking, spending, bill pay, treasury, and accounting.

How does Rho give me access to that level of coverage?

Rho expands your FDIC coverage by partnering with The American Deposit Management Company (ADM). ADM places and manages your funds across a wide network of more than 400 FDIC and NCUA-insured institutions. Your balance is automatically distributed so no single allocation exceeds the $250K insurance limit at any institution.

You see one unified balance in Rho, while ADM handles the diversification in the background. This gives you seamless access to up to $75M in federal deposit insurance without opening or managing multiple accounts yourself.

What type of exclusive events or networking opportunities will our fund gain access to through Rho?

Your fund gains exclusive invitations to premium, invite-only events specifically designed for VCs, LPs, and influential founders in the startup ecosystem. These carefully curated gatherings focus on facilitating meaningful discussion, networking with top-tier peers, and access to exclusive industry insights and opportunities. We host over 200 of these private events every year.

How does Rho facilitate connections and introductions between VCs, LPs, and high-potential startup founders?

Rho’s VC partnerships team actively curates strategic introductions between investors, LPs, and high-caliber startup founders within our network. By thoroughly vetting and aligning opportunities based on investment criteria and mutual fit, we create targeted, value-driven connections that fuel successful partnerships.

Do portfolio companies have a dedicated account representative or customer success contact at Rho?

Yes. Portfolio companies that qualify for our premium Rho Platinum tier benefit from dedicated account representatives and customer success personnel. These specialists proactively support companies, helping address specific needs and ensure frictionless banking experiences.

What kind of personalized support (human vs. automated) do Rho’s account holders receive?

Rho provides highly personalized, human-centric support with 24/7 availability. Account holders receive direct, live assistance from experienced account specialists via phone, text, and email, in addition to powerful self-service tools and resources.

Are there special offers, incentives, or discounted pricing available for our portfolio companies or fund as a Rho partner?

We can provide special promotions for portfolio companies and funds based on the fund size, focus, and location. Contact our team for more information.

How does partnering with Rho simplify or streamline our capital deployment process to portfolio companies?

Rho’s platform allows VCs to seamlessly manage and securely deploy funds directly to portfolio companies, centralizing transactions and providing transparent tracking from one intuitive dashboard.

How quickly can a portfolio company onboard and begin using Rho’s banking solutions?

Users can often onboard and begin using Rho’s banking solutions same-day.

What are the criteria and benefits of achieving RHO PLATINUM® status?

The typical criteria for is to set up Rho as the central bank account used for processing payroll payments, and ensure business revenue flows through your Rho Checking account. This includes depositing and retaining at least 50% of your company’s assets at Rho.

What fraud prevention and cybersecurity measures does Rho have in place?

Rho utilizes advanced cybersecurity and fraud protection strategies, which include multi-factor authentication, data encryption, secure transaction vetting procedures, ongoing monitoring for fraudulent activity, and regular security audits and assessments. Additionally, our team continuously monitors for security threats and deploys stringent measures to ensure financial data protection.

Are deposits FDIC-insured, and if so, up to what limits?

Yes, funds deposited with Rho are FDIC-insured up to $250,000 per depositor, per insured bank, for each account ownership category. Rho ensures customer deposits receive FDIC coverage through partnerships with reputable, fully insured banking institutions.

How does Rho ensure the security and compliance of funds and transactions?

Rho employs bank-level security protocols and rigorous risk management practices to safeguard your funds and transactions. Our platform adheres to industry best practices and regulations, including strict compliance standards, continuous monitoring, robust encryption, two-factor authentication, and proactive fraud detection measures.

Is Rho Treasury covered by SIPC?

Securities in your Rho Treasury accounts custodied at Apex Clearing Corporation are covered by SIPC, up to $500,000 per customer, including up to $250,000 for cash. Visit the [SIPC website](https://www.sipc.org/for-investors/what-sipc-protects) for complete details.

Why should my startup bank with Rho?

Designed specifically for scaling startups, Rho offers strong cashback rates (1.5%), better yields, and dedicated support from day one—all without the subscription fees or minimum balances that eat into your runway.

Unlike starter banking solutions that you'll eventually outgrow, Rho provides enterprise-grade security through Webster Bank ($70B AUM) and advanced accounting automation that scale with your business from seed funding through Series A and beyond.

How much does Clerky cost?

Clerky has two pricing plans, Pay Per Use and Company Lifetime Package. For the latest pricing and information, please see [Clerky’s pricing information](https://www.clerky.com/pricing).

Is Clerky a law firm?

No, Clerky is a software company, not an attorney or a law firm. They provide software and self-help instructions at your specific direction.

What types of business entities does Clerky support?

Clerky specializes in Delaware C corporations, the standard for high-growth startups. Clerky has support for both regular Delaware C corporations as well as Delaware Public Benefit C corporations, for mission-oriented startups.

How long does it take to form a company on Clerky?

Clerky provides the fastest way to get startup legal paperwork done. When you use Clerky, you automatically receive expedited processing from Delaware. With this, incorporation typically takes 1 to 3 business days. After incorporating, there is additional legal paperwork that can be completed as quickly as you finalize the paperwork.  You’ll also need an EIN for your startup. Most founders with US taxpayer IDs will be able to get an EIN almost instantly online, while applying by fax [takes longer](https://help.clerky.com/article/2927-how-long-to-get-ein).

To learn more about the formation timeline at Clerky, check out [Clerky’s help center](https://help.clerky.com/article/2820-formation-timeline).

What is Clerky?

Clerky is an online legal service that has served tens of thousands of top-tier startups, including DoorDash, Coinbase, Instacart, and more. Clerky is run by former startup attorneys from a top Silicon Valley law firm and focuses on helping startup founders complete their legal paperwork safely and correctly.

Rho Referral Program Terms & Conditions

This offer is available to individuals or entities referring new customers to Rho and to new customers who are referred, subject to Rho's Terms of Service.

The referral incentive for the referrer will be processed upon successful qualification of the referred new Rho customer.

Referrers must submit an invoice to Rho to claim their reward.

The referral incentive for both the referrer and the referred client will be considered taxable income.Participants are advised to consult with a tax professional regarding the tax treatment of these benefits.

Rho reserves the right to modify or terminate this offer at any time without prior notice. This promotion cannot be combined with any other offer and is not transferable.

Rho reserves the right to revoke a promotional award and/or disqualify future eligibility for promotions if any abusive, fraudulent, or terms-violating activities are detected.

Is my business eligible for Rho Treasury?

[Rho Treasury](https://www.rho.co/product/treasury) is available for Rho clients that invest $100K or more (subject to compliance and partner review). Reach out to your Client Service representative to learn more.

What type of card fees does the Rho Card program have?

Unlike many common types of small business cards or personal credit cards on the market today, Rho Cards have no annual fee, subscription fees, or per-card fees. Read about our [pricing](https://www.rho.co/pricing) for more information. Rho reserves the right to charge a 3% late fee on a delinquent balance for up to six months, unless prohibited by law.

Why does Rho offer cashback vs a points-based rewards program?

We prefer to give clients cash rewards via statement credits on qualifying business purchases that they can then use to run their business, improve cashflow, and avoid complicated point-based systems that often come with redemption restrictions and blackout dates.

‍

Some businesses prefer points-based rewards and travel benefits (think: airport lounge access) – and that’s okay! There are many great small business credit card options out there for intro card offers, business travel rewards, points, and other perks. We do offer a variety of perks through our partnerships, which you can read more about [here.](https://www.rho.co/partners)

Can reimbursements be issued to non-US bank accounts?

No, that is not something we support right now.

Can users code expenses?

Users with admin-level or custom permissions can code expenses with direct accounting attributes. Various Rho attributes can be customized for more controlled employee coding.

Does Rho have a mobile app?

Yes, Rho has a highly rated mobile app that covers all employee expense management needs. The mobile app allows approvers to review and approve expenses on the go. Admins can view bank account statuses and balances.

How much does Rho’s expense management capability cost for Rho customers?

Rho's expense management platform is free, with no user or platform usage fees.

How can you reconcile expenses?

For directly integrated businesses, expenses can be automatically coded with attributes pulled directly from the accounting platform. Syncs can be automatically scheduled to eliminate manual bookkeeping in the accounting platform. For those not supported by a direct integration, expenses offers extensive CSV reports & bulk receipt file export to ensure quick reconciliation expenses.

Can I export Rho transactions via a CSV?

Yes. You can easily tailor CSV exports to your needs. Just choose your date range, and select all of the attributes you would like included—such as Amount, Type, User, Status, Balance, and more.

Can I split transactions across fields in my accounting system?

Yes, if you use [QuickBooks Online](https://www.rho.co/integrations/quickbooks), [NetSuite](https://www.rho.co/integrations/netsuite) or [Sage Intacct](https://www.rho.co/integrations/sage-intacct) you can seamlessly split bank or AP transactions into many—across departments, locations, jobs, project codes, or any other designated field.

Does Rho connect via the Bank Feed?

Today, Rho offers a bank feed integration with QuickBooks Online. We also have native integrations with [Oracle NetSuite](https://www.rho.co/integrations/netsuite), [Sage Intacct](https://www.rho.co/integrations/sage-intacct), and [QuickBooks Online.](https://www.rho.co/integrations/quickbooks)

How does Rho automatically categorize expenses?

Rho allows you to tailor exactly how transactions appear in your [NetSuite](https://www.rho.co/integrations/netsuite),  [QuickBooks Online](https://www.rho.co/integrations/quickbooks) or [Sage Intacct](https://www.rho.co/integrations/sage-intacct) GL with custom mapping rules for merchants, categories, budgets, labels, and cardholders.

Our native integration imports your accounting fields and Chart of Accounts into Rho, so you can create smart rules that automatically map transactions to the right GL codes, every time.

Does Rho integrate with my accounting software?

Rho has direct integrations with [QuickBooks Online](https://www.rho.co/integrations/quickbooks), [Sage Intacct](https://www.rho.co/integrations/sage-intacct), [Oracle NetSuite](https://www.rho.co/integrations/netsuite), [Campfire](https://www.rho.co/integrations/campfire), and [Puzzle](https://www.rho.co/integrations/puzzle).

We also make it easy to use CSV exports if you choose not to connect Rho with your accounting software.

What if I only send a few invoices a month?

That's the sweet spot. Rho Invoicing is built for founders who need to send professional invoices without setting up a dedicated invoicing tool.

Can I use this alongside QuickBooks or another accounting tool?

Yes. You can send invoices from Rho and continue using your existing accounting software for bookkeeping.

What happens when a customer pays me?

When the payment lands in your Rho account, it gets matched to the right invoice automatically. No manual reconciliation.

Will my customers see Rho's branding on the invoice?

No. Invoices are fully white-labeled with your logo and colors. Your customer sees your business, not ours.

What payment methods can my customers use?

ACH, domestic wire, international wire, or check. Pay-by-card is coming soon.

Do I need to bank with Rho to use it?

Yes. Invoicing is built into the Rho platform. If you don't bank with Rho yet, you can open an account in minutes and start invoicing the same day.

Is Rho Invoicing free?

Yes. Invoicing is included for all Rho customers at no extra cost.

Does this work with multi-entity setups?

Puzzle doesn't currently support multi-entity natively. If you're consolidating across entities, Puzzle recommends using their "Join" feature. The Rho integration works within Puzzle's current entity structure.

When is this available?

Early access is available now through the waitlist. Full availability rolls out in April 2026.

How does onboarding work if I'm already connected through Plaid?

We guide the transition so there are no duplicate transactions or disruptions. The onboarding process includes managing your existing Plaid connection and migrating you to the direct integration cleanly.

I already use Puzzle with Mercury/Brex/Ramp. Why switch to Rho?

Mercury's integration is read-only. Brex covers cards and reimbursements but doesn't manage the full bill lifecycle. Ramp is a spend platform, not a bank, so you still need a separate banking integration for complete books. Rho covers banking, corporate cards, bill pay, treasury, and reimbursements in a single platform with a single integration. One connection, complete books.

What transaction types sync to Puzzle?

Everything. ACH, wires, internal and external transfers, card expenses, bill payments, reimbursements, treasury activity (interest, dividends, unrealized gains/losses, fees), and refunds and reversals. Accrual events like reimbursement creation post as journal entries. Cash events like disbursements post as transactions.

What makes this different from connecting Rho to Puzzle through Plaid?

Plaid strips out transaction metadata, limits which transaction types sync, and disables Rho's accounting automations. The direct integration fixes all three. You get full metadata (vendor names, memos, classes, projects, COA mappings), every transaction type (banking, cards, bill pay, treasury, reimbursements, refunds), and Rho's auto-categorization and sync rules working natively with Puzzle.