How to use Rho's new vendor card
Kabele Cook
Streamlined Vendor Payments: Rho's vendor card simplifies vendor payments by providing reusable digital cards specifically linked to each vendor, eliminating the chaos of misnamed or single-use cards.
Quick Setup and Management: Setting up a vendor card takes under a minute, allowing for efficient management of vendor payments without complex approval processes.
Enhanced Visibility and Control: Each vendor card is clearly labeled, providing instant visibility into spending and simplifying expense reconciliation, which aids in budget management.
Unlimited Access with No Fees: Rho accounts include unlimited vendor cards at no additional cost, making it easy to scale as your business grows.
Your SaaS stack is growing. Your team is expanding. However, now vendor payments are scattered across personal cards, random team cards, and whatever virtual card you hastily created last month.
Sound familiar?
If you're tired of hunting down misnamed cards and explaining messy transactions to your accountant, Rho's new vendor card is here to save you from that chaos. No more hacks or confusion—just clean, organized vendor payments from day one.
What Rho's vendor card actually is
Rho's vendor card is a digital credit card designed specifically for paying vendors, managing subscriptions, and keeping your finances organized.
Unlike the previous system, where you had to create single-use virtual cards and rename them (then hunt for them later), Rho's vendor card is a proper reusable digital card tied directly to specific vendors.
Think of it as giving each of your vendors its own payment method:
Your AWS account gets its own card
Your Google ad spend gets its own card
Your design software gets its own card
You get the gist.
Each vendor card is clearly labeled, easy to find, and built for ongoing payments—not one-off transactions.
How Rho's vendor card is different from your regular expense card
Built for vendors, not employees
Regular expense cards are designed for your team's day-to-day spending—coffee runs, client dinners, office supplies. Employee cards come with approval workflows, spending limits, and all the controls you need for employee expenses.
Vendor cards skip all that complexity. They're purpose-built for paying vendors, which means cleaner setup, fewer steps, and no unnecessary approval processes that slow down bill payments.
Clean ownership structure
Here's something most founders learn the hard way: when you create expense cards for team members and those team members leave, those cards (and their transaction history) can become a mess. Vendor cards default to the card creator as the cardholder, so they don't disappear when team members churn.
Integrated with your vendor management
Instead of generic card names like "Virtual Card #47," vendor cards tie directly to vendors. You see vendor logos, names, and spend visibility all in one place and your dedicated vendor card flow in the cards tab. No more guessing which card pays for which service.
How Rho's vendor card works
Rho's vendor card is included with every Rho account.
Setup process
Setting up a vendor card takes seconds, not minutes. Here's the streamlined flow:
Navigate to the dedicated vendor cards section—no more hunting through general card menus
Select your vendor—choose from your existing vendor list or add a new one
Generate the card—Rho creates a dedicated card tied to that specific vendor
Share details with one click—send card information directly to your vendor
That's it. No complex approval workflows, no unnecessary spending controls, no manual renaming.
How much time it takes
From clicking "create vendor card" to having card details ready to share: under a minute. Compare that to the old process of creating a virtual card, manually renaming it, setting it up for recurring payments, and then remembering where you put it.
Subscription switching made simple
When you're ready to move a subscription from your personal card or another provider to Rho, the vendor card integrates directly into the subscription switch flow. No more dropping off mid-process because you realized you didn't have a clean card to add.
Advantages of Rho's vendor card
Instant clarity for your finance team
When your accountant (or you) needs to reconcile expenses, there's no guessing game about which transaction belongs where.
No more card inventory chaos
Instead of managing a growing collection of renamed virtual cards, you have a clean, organized system where each vendor relationship has its own dedicated payment method.
Built-in spend visibility
Track spending by vendor without complex reporting tools or manual categorization. See exactly how much you're spending on each service, making budget planning and cost optimization much easier.
Seamless subscription management
When you need to update payment methods for recurring services, you can handle that within Rho's platform. No more juggling between different services.
Scales with your growth
Whether you're managing five vendors or 50, the system stays organized. Each new vendor gets its own card, maintaining clarity as your stack grows.
Disadvantages of Rho's vendor card
One more system to learn
If you're already comfortable with your current vendor payment process (even if it's messy), there's a small learning curve to adopting any new system. However, the quick time investment upfront saves significant time on ongoing management.
Requires vendor cooperation
Some vendors may be slow to update payment methods. This isn't unique to Rho, but it's worth planning for when making the switch.
May surface spending you forgot about
When all your vendor payments are clearly organized and visible, you might discover subscriptions you forgot you were paying for. While this is ultimately beneficial for budget management, it can be surprising at first.
Integration dependencies
Like any finance tool, you'll get the most value when Rho integrates well with your existing accounting software and workflows. If you're heavily invested in a different ecosystem, integration planning becomes important. The upside is that if you want to migrate to Rho's ecosystem, you can speak with Rho's live human support team to make the process seamless.
Rho's vendor card is included with every Rho account. So if you don't want to migrate your entire ecosystem, you can still get access as long as you have a Rho account.
Frequently asked questions
How many vendor cards can I create?
Unlimited. Every Rho account includes unlimited vendor cards with instant setup.
What if my vendor requires specific payment terms?
Rho's live human support team can help you handle complex vendor requirements and set up payment arrangements that work for both parties.
How does this integrate with my accounting software?
Vendor cards work with Rho's existing accounting integrations, which automatically categorize transactions by vendor for cleaner books and easier reconciliation.
Can I set spending limits on vendor cards?
Yes, though the process is streamlined compared to expense cards. You can set appropriate limits without the complex approval workflows designed for employee spending.
What happens if I need to change vendors?
You can easily create new vendor cards and retire old ones. The transaction history remains tied to the appropriate vendor for accounting purposes.
What happens if team members leave?
Vendor cards are tied to the card creator. Therefore, when a team member leaves, the card doesn't disappear.
Is there a fee for vendor cards?
Vendor cards are included with every Rho account at no additional cost. You get unlimited cards with no setup fees or monthly charges per card.
Wrap up
Rho's vendor card turns vendor payment chaos into an organized, trackable, scalable system. Set it up once and never hunt for misnamed cards again. Your future self and your accountant will thank you. Check out Rho's vendor card here.