BILL vs Rho (2026): which should you pick?

Pick BILL if

• Fits if you pay lots of supplier bills by ACH or check and want them approved before money goes out
• Works for accounting firms running bill pay for several clients

Look elsewhere if

• Pricey if you're a small team, as every Essentials user pays $49 a month and each ACH payment $0.59
• Skip it if you want automatic QuickBooks or Xero sync without paying $65 a user for Team
• Tight if you pay bills by card often, since that costs 2.9% a payment
• Watch out: mailed checks are $1.99 each and USD wires abroad $19.99, on every plan
• Watch out: the billing term isn't stated, the trial is offered only in most cases, and NetSuite needs Enterprise

Pick Rho if

• Fits if you already bank with Rho and want to approve and file on your iPhone
• Works for founders who handle receipts from their phone

Look elsewhere if

• Not for you if you use Android, as only an iPhone listing is on record
• Pricey if you can't see a price, as none could be read
• Watch out: Rho says it is not a bank, and banking and cards come from Webster Bank, N.A., Member FDIC
• Too light for full expense policies, as the listing shows card, receipt and approval screens only

BILL

• Payments carry fees on every plan: $0.59 per ACH payment, $1.99 per mailed check, $19.99 per USD wire abroad, and 2.9% to pay a bill by card.
• The Essentials plan exchanges data with QuickBooks and Xero only by CSV file; automatic two-way sync starts on Team, and NetSuite or Sage Intacct needs Enterprise.
• Spend & Expense is provided by Divvy Pay LLC, the Divvy Card is issued by its bank partners, and credit lines depend on approval.
• Every Essentials and Team user pays the full seat price; cheaper approver-only seats come with Corporate and Enterprise.

Rho

• No prices could be read: rho.co answered automated requests with a security check, so pricing is unverified.
• The App Store listing is for iPhone only; other platforms were not confirmed from a page we could read.
• Rho says it is not a bank; banking services and cards come from Webster Bank, N.A., Member FDIC.

BILL

Accounts payable

Bills arrive in one inbox, are routed through approval rules and are paid by ACH, check, virtual card or card, with W-9s collected by an agent.

Invoices and receivables

Send one-off or recurring invoices, chase them with automatic reminders, and get paid by ACH or card with auto-charge and auto-pay.

Spend & Expense with the Divvy Card

Corporate cards with budgets and spending rules. Receipts are captured by photo or text message and matched to transactions.

International payments

Pay suppliers in more than 130 countries, in their local currency with no BILL fee beyond the exchange rate, or by USD wire.

AI bill coding

From the Team plan, the Invoice Coding Agent fills in line-by-line accounting codes on incoming bills.

Procurement

Purchase requests, purchase orders, tolerance rules and 2-way matching, included on Corporate and an add-on below it.

Rho

Card management

The app lets users monitor, lock and create Rho cards, and add cards to a mobile wallet.

Receipts and expense details

Employees file receipts and expense details from the app, and a recent update lets them split one transaction into parts and categorize each.

Reimbursement requests

Staff can request reimbursement for mileage and out-of-pocket spend from the app.

Payment approvals

Approvers can approve or reject payments from the app.

Balances and check deposit

The app shows banking balances and supports depositing checks.

BILL

• Spend & Expense$0

  BILL Divvy Card, budgets, receipt capture, reimbursements and credit lines from $1,000 to $5M, subject to approval.

• Essentials$49

  per user / month, billing term not stated

  Bill entry and approvals, payments by ACH, card or check, invoicing, W-9 collection. Syncs with accounting software by CSV only.

• Team$65

  per user / month, billing term not stated

  Adds automatic two-way sync with QuickBooks and Xero, AI bill coding, custom user roles and cash flow forecasting.

• Corporate$89

  per user / month, billing term not stated

  Adds custom approval policies, purchase orders and requests, cheaper approver-only users, single sign-on and multi-entity books.

• EnterpriseCustom

  Adds sync with NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise, 2- and 3-way matching, dual control and premium phone support.

Rho

Pricing could not be confirmed. See rho.co.