Rho

aid: rho-co
name: Rho
description: Rho is an all-in-one finance platform for businesses that combines business banking, treasury, corporate cards,
  expense management, bill pay, invoicing, and automated month-end close. Customers get a business checking account with high
  FDIC sweep insurance, a yield-bearing treasury product, corporate cards with cash back, and zero-fee bill pay, all reconciled
  against connected accounting systems. Rho serves startups, small businesses, enterprises, accountants, banks, and consumer
  brands, with no per-seat fees. The platform exposes APIs for use cases such as vendor onboarding and virtual card issuance
  so partners can embed Rho capabilities into their own portals. Native integrations exist for QuickBooks Online, NetSuite,
  Sage Intacct, and Microsoft Dynamics 365 Business Central.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/rho-co.png
tags:
- Rho
- Business Banking
- Treasury
- Corporate Cards
- Expense Management
- Bill Pay
- Invoicing
- AP Automation
- Accounting
- Finance
- Virtual Cards
- Vendor Onboarding
url: https://raw.githubusercontent.com/api-evangelist/rho-co/refs/heads/main/apis.yml
created: '2026-05-23'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: rho-co:rho-platform-api
  name: Rho Platform API
  description: Rho exposes APIs for partners and customers to embed Rho banking and payments capabilities, including a Virtual
    Card API for programmatically issuing cards and a Vendor Onboarding API for embedding payment and tax form collection
    in supplier portals. Rho also leverages open banking APIs to aggregate external accounts into a unified liquidity view.
    API details are typically provisioned through Rho's partnerships and customer success teams.
  humanURL: https://www.rho.co/
  tags:
  - Banking
  - Cards
  - Vendors
  - Onboarding
  - Open Banking
  - Treasury
  properties:
  - type: Website
    url: https://www.rho.co/
  - type: VirtualCardAPI
    url: https://moreinfo.rho.co/corporate-card-issuer-virtual-card-api-custom-payment-flows
  - type: VendorOnboardingAPI
    url: https://moreinfo.rho.co/solution-vendor-onboarding-api-custom-supplier-portals
  - type: OpenBanking
    url: https://moreinfo.rho.co/financial-solution-consolidated-view-banking-open-apis
  - type: Integrations
    url: https://www.rho.co/integrations
  - type: Pricing
    url: https://www.rho.co/pricing
  - type: Signup
    url: https://signup.rho.co
  features:
  - name: Business Checking and Savings
    description: Operating accounts with high FDIC sweep insurance and zero ACH fees.
  - name: Treasury
    description: Yield-bearing cash management product for idle balances.
  - name: Corporate Cards
    description: Issue physical and virtual cards with cash back, spend controls, and real-time visibility.
  - name: Virtual Card API
    description: Programmatically issue virtual cards, set limits, and retrieve transaction data for embedded payment flows.
  - name: Bill Pay
    description: Zero-fee AP with AI invoice scanning, approval workflows, and direct payment from Rho balances.
  - name: Expense Management
    description: Capture receipts, code transactions, and eliminate manual expense reports.
  - name: Invoicing
    description: Send invoices and collect customer payments alongside banking and AP.
  - name: Vendor Onboarding API
    description: Embed secure payment and tax form collection into supplier portals and internal apps.
  - name: Open Banking Aggregation
    description: Pull real-time balances from external institutions for a consolidated liquidity view.
  - name: Automated Close
    description: Automate monthly book close with reconciliation across banking, cards, treasury, and AP.
  useCases:
  - name: Startup Banking
    description: Replace a traditional business bank account with operating, treasury, cards, and AP in a single platform.
  - name: Multi-Entity Finance Operations
    description: Manage cash, cards, and AP across multiple legal entities from one dashboard.
  - name: Embedded Vendor Onboarding
    description: Use the Vendor Onboarding API to collect payee details directly inside your own supplier portal.
  - name: Embedded Virtual Card Issuance
    description: Issue virtual cards through your own software for custom payment flows.
  - name: Accountant Workflows
    description: Give accounting firms a Partner Portal for managing client books across Rho accounts.
  integrations:
  - name: QuickBooks Online
  - name: NetSuite
  - name: Sage Intacct
  - name: Microsoft Dynamics 365 Business Central
  - name: Xero
  - name: Plaid
  - name: ACH
  - name: Wire
  - name: SAFE Note Generator
  authentication:
  - type: API Key
    description: API key authentication for partner and customer integrations, provisioned through Rho.
common:
- type: Plans
  url: plans/rho-co-plans-pricing.yml
- type: RateLimits
  url: rate-limits/rho-co-rate-limits.yml
- type: FinOps
  url: finops/rho-co-finops.yml
- url: https://www.rho.co/blog
  type: Blog
- type: DomainSecurity
  url: security/rho-co-domain-security.yml
- type: Website
  url: https://www.rho.co/
- type: Pricing
  url: https://www.rho.co/pricing
- type: Integrations
  url: https://www.rho.co/integrations
- type: Signup
  url: https://signup.rho.co
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com