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Employee Card FAQs
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How do I activate my physical Rho Card?

After you order a physical Rho Card, you'll get an email when the card is on its way.

For security purposes, the card will ship as inactive. Once the card arrives, the package will include a QR Code. Scan the QR code with your mobile device, enter your card details (as printed on the actual card) and this will activate your card.

What do I do if my card has been lost or stolen?

If you've misplaced your Rho Card, you can temporarily lock or freeze your Rho Card from the My Cards page. Click on the card you want to lock, then click the Actions button. Select Lock Card, and then follow the instructions.

If you're worried your Rho Card is permanently lost or has been stolen, cancel the card immediately. From the My Cards page, click on the card you want to cancel, then click the Actions button. Select Cancel Card, and then follow the instructions.
If you're concerned your card has been stolen or used fraudulently, email clientservice@rho.co as soon as possible or call us at 1 (855) 7-GETRHO.

If you require a replacement Rho Card, Rho recommends creating a new card after you have canceled the existing one. For more information about creating a new Rho Card, see Create a new Rho Card.

Can Rho cards be used internationally?

By default, Rho Cards cannot be used internationally, so to enable international spend, navigate to the Advanced Controls section of your Card Settings and toggle on the International Spend function.

Without this, cards will only be approved for domestic transactions.

Note, there are no foreign transaction fees on Rho Cards, but international transactions are not eligible for cashback.

How many Rho cards can I create?

You may create an unlimited number of virtual and physical Rho cards. To create a card, see Create a new Rho Card.

Can I withdraw cash at an ATM?

No, Rho cards cannot be used to withdraw cash from a bank ATM. Cash advances or cash transfers are not supported on Rho corporate cards. Additionally, you cannot use Rho cards for push-to-debit transactions.

Can I change my name on my Rho card?

Yes. By default, the name associated with the Rho Card is the first and last name of the user who was assigned the card. To change the cardholder name, navigate to Cards > My Cards, then select your desired card, and edit the nickname field on the Card Settings page.

Do Rho cards have PINs?

No. Credit cards use codes embedded inside the chip, stripe, or CVV code rather than PINs, to verify the transaction. If you are paying at a merchant and they are telling you that they need a PIN to complete your charge, or if your card is denied at the point of sale due to not having a PIN, you can:

  • Ask the merchant to run the card as credit. When asked for a PIN on the keypad, do not enter one, and press "continue" or "enter" (usually the yellow or green key), and the charge should go through. 
  • If the above does not resolve the issue, please try adding your virtual or physical Rho card to your Apple Wallet for a quick, contactless, and secure way to pay, and reattempt the charge. Here is a helpful article on how to do so: How do I add my Rho Card to my Apple Wallet?

Note: If asked for a PIN multiple times, the point-of-sale (POS) will say “Enter PIN”; however, many will say "Press ENTER to continue” or “Bypass PIN” or have a green button to proceed. Any of these alternate actions to enter a PIN should complete your transaction.

If the issue persists after attempting all of the above steps, please reach out to Client Service.

Which merchant categories are restricted?

Certain merchant categories may be restricted or prohibited for legal and/or fraud prevention purposes. The following merchant categories contain restrictions or prohibitions:

  • Betting, casino gaming chips, etc.
  • Adult dating and/or escort services
  • Cannabis/paraphernalia
  • Stamp and coin stores
  • Quasi-cash, currency, money orders, travelers' checks
  • Pawnshops
  • Jewelry, precious stones, precious metals, Diamonds, etc
  • Bail and bond payments

Additionally, restricted Merchant Locations (charges made by merchants located in our restricted territories/countries) will be blocked.

Are Rho cards secure

Yes, Rho Cards are secure. Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.

Does Rho require a personal guarantee for cards?

No, Rho Cards do not require a personal guarantee. Rho will not conduct a hard or soft check on your credit score when you apply for credit with Rho.

Do Rho Cards support push-to-debit transactions?

No, you cannot use Rho cards for push-to-debit transactions, in which funds are transferred immediately to a consumer's bank account through their debit card. Additionally, you cannot use your Rho Card to withdraw cash from a bank ATM. Rho does not support cash advances or cash transfers using your Rho Card.

Can I create a virtual card?

Yes. Using the Rho application, you can instantly create a virtual Rho Card that can be used immediately after it is created. Note, this will not be a virtual version of your physical card, but rather a separate, new card.

For more information about creating a virtual card, see Create a new Rho Card.

What should I do if I suspect fraud on my card?

If you suspect fraud or misuse of your Rho Card, cancel your card immediately.

If you’re unable to access your Rho account to cancel your card, please contact Rho Client Service for assistance via email at clientservice@rho.co or phone +1 (855) 743-8746.

For live support, our team is available Monday through Friday from 8am ET to 8pm ET.

What happens after I report a transaction?

Once you have reported the transaction, our team will begin our investigation, which may take up to 90 days. Rho clients are protected against unauthorized transactions and are not liable for unauthorized use of Rho Cards once Rho is notified. Please see our Terms of Service for more information.

Please note: The dispute process for fraud triggers an automatic cancellation of the affected Rho Card.

Are Rho cards protected against fraud?

Rho and its banking partners take steps to detect and prevent fraud as part of our internal fraud and compliance policies and procedures. There are instances where the Client Service team may reach out to you to confirm certain transactions. Rho does not offer fraud prevention as a service and is unable to guarantee full fraud protection in connection with your account.

Rho clients are protected against unauthorized transactions and are not liable for unauthorized use of Rho Cards once Rho is notified. Please see Rho’s Terms of Service for more information.

Why Doesn't the CSV From My Expenses Tab Match My Credit Card Statement?

When Rho customers export a CSV file of Company Expenses from their Expenses tab, the file may not match your total spend amount for the given statement period for two reasons:

  • The CSV from your Expenses tab may include incomplete or pending charges
  • This CSV will not include any merchant refunds/adjustments you receive during the statement period (eg credits/rewards applied to your Rho balance from MasterCard)

How do I activate an inactive card?

To activate an inactive Rho card, log in to your Rho account and reach out to your client service team via our live chat.

A member of our team will then verify your identity before reactivating a card. You can also email clientservice@rho.co.

Does Rho Offer Paper Check Books?
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At this time Rho does not offer check books, printed checks, or cashier's checks for security and fraud prevention purposes. Additionally, Rho does not support third-party check issuance or printing, (including issuing checks from your Payroll providers (ADP, Gusto, etc). In order to complete Payroll checks for your employees we suggest creating them as Vendors and issuing checks through Rho.

The checks that are sent from the Rho platform are comparable to cashier's check in a couple ways:

  • The funds are pulled out of your account immediately, so there's no chance that the check will bounce.
  • The check is also drawn from an account that is separate from your Rho account, reducing the exposure of your account details.

However, it's important to note that Rho checks are only accepted at locations that accept corporate checks, not cashier's checks.

Here are instructions to send a physical check to a Vendor from your Rho account.

Adding an International Payment Type To a Vendor
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An international bank account allows you to directly send a payment to a foreign vendor's account, allowing them to receive the payment more quickly. When associating an international bank account with a vendor, you may require an IBAN and a SWIFT/BIC number for the account.

To add an International Payment Type To a Vendor, please follow the below-outlined steps:

  • Navigate to the Vendors page and select the vendor for which you wish to add an international payment type. If you do not have a vendor created, click on the + Add Vendor button.
  • Once selected, click the Add Account button next to the Payment Accounts title.
  • On the Payment Method page, select International, followed by International Wire or Bank Transfer.
  • From there, select the currency for which you wish your vendor to receive funds and choose the payment option.
  • The Account Details page will be displayed after selecting the currency and payment options.
  • Enter the requested information into the appropriate fields on the Account Details page, and review the information you've entered for accuracy.
  • Click Save to finalize adding the international payment type to your vendor's profile.

Please ensure all information is accurate and complete before saving to avoid any issues with international payments.

To view the list of Restricted Countries and International Payment Types that Rho does not support, please take a look at this article.

AP at Rho Overview
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Overview

Rho’s all-in-one financial platform allows you to easily configure payable workflows - managing invoices, bills, vendors, approvals, payments, optimize cash and automate compliance directly from Rho. We help you save time, money and in one click, run your financial operations centrally from anywhere.

Get Started

Read through our guides to understand how Rho leverages technology to eliminate manual data entry and expedite your month end reconciliation.

Setup

Get started by enabling seamless syncing with your accounting software system. With our AP solution, you can also configure custom approval settings to ensure a secure and streamlined approval process.

Vendors

Confidently manage all your vendors in the Rho dashboard with these walk-through guides, which will show you how to add, edit, and delete vendors, as well as track all your vendor details in one place.

Bill Lifecycle

With Rho’s market-leading two-way integration, there’s no duplicate work for your AP team. Follow our guides to understand how to easily move your bills through the billing and payment process.

Payments

There are multiple ways to pay with Rho. Read below to learn about our easy payments methods and when you can expect your payments to settle.

1Password Integration Overview & Setup
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Add your virtual and physical Rho card information to your 1Password browser keychain with two clicks in the Rho platform. Storing this card data in 1Password reduces friction and time spent in your online transactions– your card information is directly autofilled by 1Password at purchase.  

Navigate to the Cards Page in Rho

Sign into Rho’s platform and click the Cards tab from the left hand navigation bar.

Saving Rho Card Details in 1Password Keychain

Access the “Save in Password” button in the Rho Platform as follows:

  1. Select My Cards subtab or Team Cards subtab in the left hand navigation.
  2. Select the card you wish to link (linking to both virtual and physical cards is possible).
  3. Click “See Card Details” at the bottom of the card image.
  4. Your Card Details will appear as a popup.
  5. At the bottom of the popup, you will see a blue “Save in 1Password” button. Click this.
  6. You will be prompted to “Save” your card details. Click this button to save your details to your 1Password keychain.

Our team is here to help you, please reach out to your dedicated Rho Specialist or the Rho Client Service team via chat or email. Please note the button to save card info via 1Password is currently only available for users who have already installed the 1Password browser extension – supported browsers include Chrome, Brave, Firefox, Safari, Edge.

Purchasing With Rho Card Via 1Password

  1. When you go to make an online purchase, you will be prompted to enter your credit card information, including Card Number, Name on Card, Expiration Date, and CVV Code.
  2. When you click a card information field to fill out, you will be prompted by 1Password to autofill these fields with saved Rho card information.
  3. Simply click the Rho card you wish to use in the purchase, and all information will be populated automatically, allowing for speedy, seamless payment.
About Rho Treasury
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Rho Treasury, RBB Treasury LLC's (a Rho subsidiary) treasury management product, helps clients generate returns on idle cash while investing in treasury bills with the goals of safety, security & liquidity.

What is Rho Treasury?

Rho Treasury is a treasury management product that provides scaling businesses with access to certain cash management technology and services. Rho Treasury funds are invested in treasury bills, held directly in the customer’s name at our custodial partner (Apex Clearing Corp. post-July 2024, and Interactive Brokers LLC pre-July 2024). Rho Treasury is fully integrated into the Rho financial stack so customers can seamlessly manage business finances all in one place.

How does it work?

To get started with Rho Treasury, click Treasury in your Rho dashboard and follow the steps to apply and open your account.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC Insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk and past performance does not guarantee future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services provided through Apex Clearing Corp. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024; IBKR rates may vary from Apex rate shown above. Please see the ADV Wrap Fee Brochure for further information regarding fees and Rho Treasury.

Banking services provided and cards issued by Webster Bank, N.A., Member FDIC. International and foreign currency payments services provided by Wise US, LLC. All Rights reserved. © 2019-2024 Under Technologies, Inc. DBA Rho Technologies. Rho is a trademark of Under Technologies, Inc. Rho is not a bank. Rho partners with FDIC-insured banks to offer banking products and services.

By using Rho services, you agree to and are bound by the Rho Terms of Service. https://www.rho.co/terms-of-service

Applying to Rho FAQs
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Why do you need my banking and accounting data?

This information is necessary to facilitate financial services provided by Rho and our banking partner and to fulfill our legal obligations with respect to the federal identity verification mandates. You can learn more about how Rho collects, uses, and protects your personal information by reading our Privacy Policy.

Why do you need my Social Security number?

Your social security number is one of several data points required for Rho to fulfill mandatory customer identification requirements in support of your Rho application. For more information on how Rho collects, uses, and protects your personal information, please refer to our Privacy Policy.

How do I know that my banking and accounting information are secure?

In addition to Rho's protections, we work with trusted third-party integrations with companies like Plaid, Finicity, and Codat to securely handle your sensitive banking and accounting information, in line with industry best practices. Here is more information about each platform’s security standards and practices:

  • Plaid keeps your data safe and private with best-in-class encryption protocols like the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS)
  • Finicity implements best-in-class physical, technological and procedural security safeguards similar to those used by major financial institutions (banks, credit card companies, trading firms)
  • Codat’s Security Compliance program upholds SOC 2 Trust Service Principles and ISO 27001 standards  

For more information about how Rho collects, uses, and protects your personal information, please refer to our Privacy Policy.

Plaid or Codat does not support my account

Our third-party integration partners supports a variety of banks and accounting software. If you do not see your provider, you can opt to upload 6 months of accounting and banking statements for all your accounts by clicking Upload Statements Manually.

I’m stuck and can’t proceed through the application, what should I do?

If you receive an error message as you attempt to proceed through your application, please ensure that all mandatory fields have been completed.

In the event that you are prompted to provide information that is not readily available, you can revisit your application later by re-entering the same email address you used to start your application. You will then receive an email with a new link that will take you to your saved, in-progress application.

You can also invite a teammate to collaborate on the application by using the Invite Teammate button at the top-right of your screen.

If you encounter any issues during the application process, feel free to contact us by using the in-application chat feature, calling us at 1 (855) 7-GETRHO, or sending an email to clientservice@rho.co.

Which fields are mandatory and which are optional?

Most fields in the application are mandatory. Non-mandatory fields are labeled with (Optional) next to the field label.

How do I return to my application?

You can return to your application at any time by re-entering the same email address you used to start your application.

If you enter an email that is already used by Rho (i.e., you have an account), you will be taken to the login page. On the Business Login page, you will see a list of all active businesses and applications in progress, allowing you to continue from there. You can also start a new application by clicking on the Apply for a new business button.

I’m having trouble uploading documents

If you are having trouble uploading a file, please check the following:

  • If the file is zipped (compressed), please unzip (un-compress) the file before uploading
  • Please verify that the file type is one of the supported types for this section
  • There is a 10 MB maximum file size. If the file is larger than that, try reducing the file size if an image, or splitting the file into multiple portions if a PDF, CSV, DOC, XLS, or XLSX

Can multiple people work on the same application?

You can invite collaborators to help with adding a UBO (Ultimate Beneficial Owner) or Control Person. You can invite them directly from those steps in the application flow.

What documents do I need to apply for credit?

In order to provide credit, Rho needs bank and accounting statements for all active business accounts.

No person owns at least 25% of my business

In the event that no individual owns at least 25% of your business, you can add the person who exercises substantial control over the business instead (i.e. typically the CEO or financial officer).

What legal documents will I need?

To better understand your business, Rho will also ask for details about your company structure and request legal documents including: Articles of incorporation and your EIN number.

Business and Industry Eligibility at Rho
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Rho offers accounts to business owners worldwide. As a U.S. company, Rho and its affiliates must comply with federal law and regulations. For example, businesses that offer illegal services or products are not eligible to open a Rho account. In addition, certain high risk businesses may also be prohibited, such as the following industries:

Betting, casino gaming chips, etc.

Adult dating and/or escort services

Drug stores, pharmacies, and cannabis

Drugs, proprietaries and sundries

Stamp and coin stores

Quasi-cash, currency, money orders, travelers checks

Pawn shops

Bearer shares

Bail and bond payments

Currency exchange businesses

Nested MSBs/Nested money transmitters

Firework sales

Online dating services

To further reduce risk, fraud and illegal activities, Rho and its partners prohibit additional high-risk locations. For a full list of the prohibited or ineligible geographic locations, click here.

Are Cashback Rewards Taxable?
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Cashback from Rho is not considered taxable and we do not issue 1099s for cash back. We, of course, encourage our clients to consult their own tax adviser if they have any questions or concerns.

Can I Change My Business Address?
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Yes, just let us know.

Send an email to clientservice@rho.co from your registered email with your previous address, your desired new address, and a brief explanation for why your address is changing. We will contact you to verify the changes.

Can I Set Up Reverse FedWires From My Account?
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In some cases, Rho can support reverse FedWire as a vendor method for payroll providers. If you have a payroll provider that you wish to set up reverse FedWire capabilities for, please reach out to clientservice@rho.co.

An alternative option would be to have your vendor set up ACH pulls from your account.

To set this up with your vendor, you may provide them with your ACH instructions found here in your account. They can use your Rho account and routing number to pull funds from your account via ACH when your payments are due.

Can I Open a Rho Account if I Don't Live in the U.S.?
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Am I an eligible customer based on my location?

Rho partners with Banks to offer accounts to business owners worldwide. However, entities must be incorporated in the United States, hold a US Address, and have one business owner based in the United States with a valid tax identification number (SSN).

As a U.S. company, Rho and its affiliates must comply with U.S. law, including trade sanctions administered and enforced by the Office of Foreign Assets Control (OFAC). To further reduce risk, fraud and illegal activities, Rho and its partners prohibit additional high-risk locations. For a full list of the prohibited or ineligible geographic locations, see below:

INELIGIBLE LOCATIONS

  • Afghanistan
  • Albania
  • Angola
  • Belarus
  • Bosnia and Herzegovina
  • Burundi
  • Central African Republic
  • Chad
  • Congo, Dem. Rep.
  • Congo Republic
  • Cuba
  • Egypt
  • Equatorial Guinea
  • Eritrea
  • Ethiopia
  • Guinea
  • Guinea-Bissau
  • Haiti
  • Iran
  • Iraq
  • Kosovo
  • Laos
  • Lebanon
  • Libya
  • Mali
  • Mauritania
  • Montenegro
  • Myanmar
  • Nicaragua
  • Niger
  • Nigeria
  • North Korea
  • North Macedonia
  • Pakistan
  • Palestine
  • Russian Federation
  • Somalia
  • South Sudan
  • Sudan
  • Syria
  • Ukraine
  • Venezuela
  • Yemen
  • Zimbabwe
Can I Send a Wire to a Vendor with a PO Box Address?
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No, domestic and international wires cannot be sent to vendors with PO Box addresses. We suggest using a different address for the business or sending funds via ACH or check.

BSA (The Bank Secrecy Act) regulations require anyone sending a wire through their bank to provide a physical address for a beneficiary. It provides banks with one more piece of information in order to detect suspicious activity.

Can My Departments in Rho Transfer to Quickbooks?
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Yes! If you'd like your department tags to flow through Quickbooks, you can create a "rule" on the Quickbooks platform!

  1. In QuickBooks Online, go to: The left-hand side navigation bar > Transactions > Banking > top right click on the down arrow on File upload > Manage Rules.
  2. Click > New Rule.
  3. Rule Name: This is the name that will show up when a transaction is automatically filled out for you based on the rule.
Can My Vendors Pull Funds From My Rho Account via ACH?
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Yes, you can have your vendor set up ACH pulls from your account.

To set this up with your vendor, you may provide them with your ACH instructions found here in your account. They can use your Rho account and routing number to pull funds from your account via ACH when your payments are due.

Please use discretion before providing any banking information to your vendors. Please be sure your vendor is a trusted party.

Please note that in some cases, Rho can support reverse FedWire as a vendor method for payroll providers. If you have a payroll provider that you wish to set up reverse FedWire capabilities for, please reach out to clientservice@rho.co.

Cashback Rewards Terms & Conditions
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Please find Rho’s Cashback Rewards Terms & Conditions here: Cashback Rewards Terms & Conditions

Filling out 2023 Tax Year 1099-NEC and 1099-MISC
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Support filing 1099-NEC

For questions about reporting the correct box forms, please refer to the IRS General Instructions for Certain Information Returns (2023)

Support filing 1099-NEC

For questions about reporting the correct box forms, please refer to the IRS General Instructions for Certain Information Returns (2023)

Examples of Expense Rules
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Here are some examples of common rules that companies use in Rho’s expenses experience to monitor spend.

Receipt requirements

In this example, the company wants to require all employees to attach receipts to transactions over $20. There are also a few exceptions configured: 2 users are not required to add receipts, and 4 vendor-specific cards will also be exempt from this rule, meaning that they won't need a receipt to be approved.

Attendees needed for client entertainment spend

In this example, all transactions filed under the Entertainment budget require that the Attendees field be filled in, as well as a receipt.

Home office stipends

In this example, any transactions assigned to the Home Office Stipend budget that exceed $250 will be marked as “Out-of-Policy” and need review in the Company Expenses tab.

Job numbers required in notes

In this example, all transactions purchased in the Construction Materials budget must have a receipt attached and a note that contains a job number.

How Do I Cancel a Recurring Transfer?
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If you have a scheduled recurring payment, you can easily cancel the next upcoming payment before it is released.

From your Rho Banking tab, select the green View All button under Scheduled Payments. (Note, this option will not appear if you have already select a specific bank account under the All Accounts section).

Once on the Scheduled Payments tab, you should be able to locate the next upcoming payment of that recurring transfer, and simply click the red cancel button on the right side of your screen!

How Do I Contact Support?
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Reach out anytime over the phone at 1 (855) 7-GETRHO, through email at clientservice@rho.co, or through our chat function in the lower left corner of the screen. Dedicated Rho Specialists are available from 8:00AM to 8:00PM EST.

Fees For Recalls & Failed Wires
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Please be advised that a fee of around $20-$45 will be deducted from your Rho account for any domestic wire payments that fail and are returned to your Rho account. There will also be a $30 fee for any funds that require a recall to be performed in order for funds to be returned to your Rho account.

How Do I Download A Transaction Confirmation?
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To print a receipt or confirmation page of a transaction you've created:

  • Start by clicking on the Banking Tab from the toolbar on the left side of the screen and the All Accounts page will display.
  • From there, select the transaction you would like to print under the All Recent Activity page. (Note, by clicking "View All", you can view more transactions than what is displayed on the main page. By clicking on the top right-hand buttons you can view/sort transactions by Date, User, Budget, or Status or search for a specific transaction).
  • When you click on the transaction, a window to the right of your screen will open, displaying transaction details.
  • You will see the Download button in the top left corner.
  • Selecting this button will prompt a PDF download of your transaction confirmation. Once you save it to your computer you can email it to your recipient, or file it for later viewing.
How do I request my business' EIN?
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You'll need your EIN letter to join Rho.

If you don't have an EIN letter on hand, you can easily get one faxed or mailed by calling the IRS Business & Specialty Tax Line toll free at 1-800-829-4933 between 7:00 AM and 7:00 PM local time. When you reach them, request a 147c letter. The request is free and typically processed the same-day.

If you do not have a fax number, you can request that the IRS fax it directly to Rho at +1 646-455-3240. Please alert your business banker that it's on its way so we can look out for it.

How do I remove a team member from my Rho Account?
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To remove a team member from being able to access the Rho application, click the user's profile on the User Management page. On the left side of the screen click on the Edit button and then click on the Delete User button in the lower-left corner of the window.

For more about the User Management page, see Understanding the User Management page.

How do I set up A "Vendor Payment Type" for HSBC in Hong Kong
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In order to successfully enter in the information for HSBC in Hong Kong, please make sure you are following the steps:

  • For the zip code, when entering the bank address, please use 000000 for Hong Kong.
  • Use the SWIFT code HSBCHKHHXXX (instead of the one provided).
  • Delete any letter characters such as "HK" that may be in front of the beneficiary bank's account number.

How Rho Syncs AP Data in Your Accounting System
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When integrated with accounting direct integrations, there are a variety of workflows in AP that are enabled.

Current integrations supported:

  • Quickbooks Online
  • Netsuite
  • Sage Intacct
  • Microsoft Dynamics (Beta). Please reach out to the Rho Client Service team for more information.

For guides on how to integrate with each of these accounting softwares, see here.

Rho AP handles two objects, Bills and Bill Payments.

For Bill Records, Rho can either push bill records to OR pull bill records from your accounting platform.

For Bill Payment Records, Rho pushes these to your accounting platform & automatically updates the status of the corresponding Bill record (regardless of whether it was Pushed or Pulled to Rho).

Bill Records: Rho > Accounting Platform

For those looking for a solution to automate processing bills, Rho offers multiple ways to create bills in Rho 1) email inbox with your dedicated 2) directly uploading the file to the platform. Regardless of creation method, our OCR will parse the following key details from invoice files:

  1. Vendor (and payment details)
  2. Invoice Number
  3. Amount
  4. Due Date
  5. Invoice Date
  6. Payment Terms

Once created in Rho, key data points will need to be confirmed by a user before the bill is “Sent to Payments.” Any Accounting attributes assigned or automatically applied via mapping rules will also be passed on the Bill record.

  • A bill can also be split either manually or automatically (turn on automatic line level splitting in Accounts Payable > Settings > Automated Bill Splitting). These split lines will be represented on the bill record in the accounting platform.

When the bill is sent to payments, the Bill record with all Bill details will automatically be synced into the accounting platform as an “Open” or unpaid bill.

  • Users can re-sync the bill to update Accounting attributes all the way up until the related bill payment is in a settled state. (note: key data points like amount, vendor, due date, invoice # are not mutable after the first sync. Please either edit the details directly in the accounting platform or Void the bill & recreate if you have errors here.)

Bill Records: Accounting Platform > Rho

For those looking for a solution to leverage Rho for payments at scale & already create bills in their Accounting platform,

To enable Bill Record sync from Accounting Platform > Rho

  1. Ensure Vendors wishing to pay are created in Rho & mapped to Vendor record in Accounting (help articles)
  2. Enable Accounts Payable from Accounting (Accounts Payable> Settings > Accounts Payable from <Accounting>
  3. Select a start date (note this will pull bills with an Invoice date from this day forward
  4. Open Bills that are within date range that have mapped vendors will automatically be synced every 24hrs at ~12AM EST. Bills can be manually pulled by hitting the “Sync Bills” button at the top of the Accounts Payable tables
  5. Payment drafts ready for review & payment will show in Accounts Payable > Payments > Drafts

Once a Bill Record has been synced and created in Rho as a payment draft, all payment details will be pre-populated and payments can be sent for approval (if applicable) or scheduled.

For these Bill Records: Bill details are ready only and not editable from Rho (but can be edited from your accounting platform).

Bill Payment Records: Rho > Accounting Platform

Once a payment has been scheduled & paid (ie: the payment has settled) all bill payments will 1) automatically inherit attributes from the related Bill record 2) appear as ready to be synced in Accounting> Dashboard > Accounts Payable. Learn more about the accounting dashboard here.

Once bill payments are successfully synced to the accounting platform, the related Bill record’s status will automatically be updated to Paid.

How Does Coding in Rho Work?
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How we use coding

Rho enables you to code transactions efficiently, by combining mapping rules, manual coding and default settings to automate coding tasks, while still allowing for user intervention for customization and fine-tuning.

There are three ways that coding gets applied to transactions in Rho.

  • Mapping rules
  • Line-level coding (manually overriding)
  • Default settings (Only for some areas of the product, such as Default Income, Default Expense and Default Accounts Payable accounts)

Mapping rules

Rho applies mapping rules in a hierarchical fashion, checking for rules which exist in the following order.

Mapping hierarchy:

1. Label

2. Vendor

3. Merchant

4. MerchantCategory

5. Card

6. Budget

Here’s an example of how this functions. If there are 2 mapping rules:

  • When Vendor = Cindy’s Cookies -> assign GL = Meals and Entertainment
  • When Card = *1234 -> assign GL = Miscellaneous

A transaction on Card *1234 at Cindy’s Cookies would bear the coding Meals and Entertainment

Line-level coding

While Mapping rules automate coding tasks, users may opt to override those values. To change a mapping rule-determined coding in Rho, simply modify the assigned mapping on the transaction or via the drawer.

Rho respects user-selected codings and won't update them with new mapping rules or when the Apply Mappings feature is used.

Default settings

When using Rho, you need to choose default GL Income and Expense accounts. If a transaction doesn't have any mapping rules or manual codings, Rho will automatically assign the default GL accounts to the transaction.

How Long do Savings Account Transfers Take?
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Funds transferred from your Savings Account can take 1-2 business days to settle.

As transfers to/from Rho Savings Accounts are facilitated by our banking partner, American Deposit Management, we are unfortunately unable to expedite their settlement time. We always recommend allotting 2 business days for Savings transfers if those funds are needed to satisfy vendor payments.

Funds transferred from your Rho Checking Account to your Savings Account typically settle the same business day, if processed before the cutoff time of 1:00 PM ET.

How does FDIC Insurance Coverage Work?
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Are my deposits safe?

Rho checking accounts are FDIC-insured up to $250,000. Rho treasury management accounts are FDIC-insured up to $75mm via a network of banks. For more information on deposit insurance, please visit the FDIC website.

To open a treasury management account for deposits over $250,000, please see here.

How Do I Redeem My Cash Rewards?
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If you are an Account Owner or an Administrator, navigate to the Banking tab, then click into the Rewards Account. Click the Redeem Rewards button.

Any custom roles that can view the Banking tab and have permission Redeem Rewards enabled can also redeem rewards.

From there you can transfer a specified dollar amount, or the full reward balance, from your Rewards Account into your Primary Checking Account.

Accrued rewards for our extended card programs are automatically deposited into your Rewards Account, typically 6 business days following full repayment of the statement balance.

Rewards transfers settle within 24 hours.

Please note, any charges made outside of the United States will not receive cashback. For more information about our cashback program please click here.

Please also note that only users with an Account Owner or an Administrator role will have permission to perform this task. If you are a Budget Owner, Employee, Bookkeeper, or Investor, you will not be able to redeem rewards.

How to Add Your Rho Card to your Digital Wallet
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Your virtual & physical Rho cards can now be added to your Apple or Google Wallet for a quick, contactless, and secure way to pay.

Set up is simple - follow the steps below to get started:

Apple Wallet

  1. Go to your Wallet app and click the + button in the right-hand corner.
  2. Select the Card Type “Credit”.
  3. Position your Rho physical or virtual card in the frame using your camera to virtually add your card details. Alternatively, you may click “Enter Card Details Manually.”
  4. Verify your card details are correct and enter your 3-digit CVV security code.
  5. Review Rho’s Terms & Conditions and click “Agree.”
  6. For your added security, you may be asked to verify your Rho Card account via two-factor authentication by “Text Message”, “Email”, or "Authenticator App", if you have set it up.
  7. A six-digit code will be sent to your email address, phone number on file, or the Authenticator App, enter your code in the field provided.
  8. Your Rho Card is now active in your Apple Wallet and ready to use at contactless point-of-sale terminals that support Apple Pay.

For more information, see Apple’s support document.

How to use your Rho Card in Apple Pay at a contactless point-of-sale terminal

  1. Select your Rho Card via the Apple Wallet app.
  2. Double-click the right-hand button on the side of your iPhone when a near contactless point-of-sale terminal.
  3. Verify your identity using Face ID or your Passcode.
  4. You will now be prompted to hold your phone near the contactless reader.
  5. Hold near the reader until the purchase has been completed.

Google Wallet

Your virtual & physical Rho cards can now be added to your Google Wallet on your Android device for a quick, contactless, and secure way to pay.

Set up is simple - follow the steps below to get started:

  1. Open your Google Pay (GPay) app on your Android device and click the image of a card in the right-hand corner.
  2. This will open a screen that shows you all the cards you have linked to your wallet. Select “Add a Card” at the bottom of the screen.
  3. Select the Payment Method “Credit or debit card.”
  4. Take a picture of your Rho physical card or the virtual card in your Rho dashboard. Your phone will recognize your card details and then you must enter your 3-digit CVV security code. Alternatively, you may enter your card details manually.
  5. Make sure your address, ZIP code, and phone number match your settings in your Rho account. The address should be your organization’s billing address. Press Save.
  6. Review Rho’s Terms & Conditions and click “Accept & continue.”
  7. For your added security, you may be asked to verify your Rho Card account via two-factor authentication by “Text Message” or “Email.”
  8. After you receive your six-digit verification code by text or email, enter it and click Submit.
  9. Your Rho Card is now active in your Wallet and ready to use at contactless point-of-sale terminals that support Google Pay.

For more information visit the Google Pay Help Center

How Many Transfers Can I Send From My Savings Account?
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Due to federal regulations, you are limited to six (6) outbound transactions (transfers) from your Savings Account per calendar month, including to your other Rho accounts. However, there is no limit to the number of inbound transactions.

Typically, Rho clients often maintain a balance in their Rho Checking Account for their monthly expenditures, and they deposit additional funds into their Savings Account to take advantage of the higher levels of FDIC insurance.

If you require an emergency transfer that exceeds this limit, please contact Rho Client Service via in-app chat or at ClientService@rho.co.

How to Add an Invoice/Receipt to a Transaction
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Asking your employees to attach a receipt to purchases is a great way to stay organized. You can upload receipts to card and banking transactions whether they are existing transactions or new pending transfers.

To attach receipts on-the-go without logging into Rho, you can enable text and email receipt uploads. For more information about this feature, please see How to attach receipts to card transactions.

How to upload invoices or receipts for any transaction via the Rho desktop app:

To attach a receipt to an existing transaction in the Rho desktop app, locate and select the transaction from your Banking or Cards Tab. By selecting the line item, you will open the Transaction Details window to the right side of your screen.

At the top of that window, there is a section to upload a receipt or invoice. Simply drag and drop your file or click to select a file from your computer!

Note: Rho only allows you to upload your receipts as PDF, JPG, and PNG files.

You can see which transactions have receipts attached in the Banking or Cards pages. All transactions with a receipt attached (whether submitted by text, email, or desktop) will have a paperclip icon to the left of the transaction amount.

Note: If you have a Quickbooks integration, and you use Rho’s receipt capture feature, those receipt attachments will transfer over into your Quickbooks account.

You can also attach receipts via the following:

How to Approve and Disburse a Reimbursement Request
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Rho users with expense approval permissions can review reimbursement requests and approve or reject them, similarly to other expenses flowing from a Rho Card.

Approving reimbursement requests

All reimbursements that aren’t auto-approved once they meet the documentation rules require an approver to manually review and approve or reject the transaction.

To view reimbursements that require approval, click on Reimbursements in the Expenses tab, then use the Status filter to select Needs Approval and Needs My Approval. You can use other filters like Budget and User to narrow down which transactions you’d like to view.

To approve a reimbursement request, click on the transaction, which will open the transaction details on the right of the dashboard. Here, you can review all attributes of the transaction, and click Approve.

Disbursing reimbursement requests

To disburse reimbursement requests (send funds out to employees via ACH), users with disbursement permissions can navigate to the Expenses tab and click on the Reimbursements above the table or + Disburse.



From there, you’ll see all pending disbursements per each user, and can pay them all out in one payment per user by clicking Pay Total.

You then confirm which account the payment should come from, and click Create.

Disbursements submitted before 3pm ET should arrive in your employee’s account same-day. If submitted after 3pm ET, funds will arrive the next business day.

You can also manually flag a payment as being paid outside of the Rho platform (ex. Via Payroll). Click the 3-dot icon to see “Mark as Paid.” Reimbursements Marked as paid will no longer show up in the disbursement queue.

Reimbursement transactions that are paid out will show Disbursement status of “Queued” and then “Settled” in the original transaction drawer. You can see all details of the linked bank transaction by clicking the arrow on the Disbursement line.

How to add Bulk Payment Date from Payment Draft Table
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Rho allows clients to efficiently manage their payments by adding payment dates to multiple payments simultaneously through a bulk action. This feature is designed to streamline the payment scheduling process, making it more efficient and less time-consuming. Here’s how you can take advantage of this new functionality.

Steps to Bulk Add Payment Dates

  1. Navigate to the Payments tab on your Rho Dashboard.
  2. Go to the Draft table where your pending payments are listed.
  3. Select the payments you wish to add a payment date to by clicking on the checkboxes next to each payment.
  4. Once you have selected the desired payments, click on the Update Payment Date button at the top of the table.
  5. A calendar interface will appear. Select the desired payment date for the selected payments.
  6. Confirm your selection to apply the payment dates to the selected payments.

This feature is particularly useful for businesses that handle a large volume of transactions and need to schedule multiple payments efficiently. By using the bulk add payment date functionality, you can ensure that your payments are organized and scheduled according to your business needs, all from a single interface.

This feature is available for all payment types listed in the Draft table, including checks, ACH, wires, and single-use virtual Rho cards.

How to Archive a Reimbursement Request
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Rho users can cancel and archive their reimbursement requests with ease. This guide provides a step-by-step approach to archiving a reimbursement request.

  1. Navigate to Expenses: Start by going to the Expenses section of your Rho dashboard.
  2. Select Personal Expenses: Within the Expenses section, click on Personal, followed by Reimbursements. This will take you to the list of your personal reimbursement requests.
  1. Choose the Reimbursement to Archive: Find the reimbursement request you wish to archive. You can do this by browsing through the list or using the search function to quickly locate a specific request.
  2. Access More Options: Click on the reimbursement request you want to archive to view more details. Then, click on the ellipses (three dots) to reveal additional options.
  3. Archive the Reimbursement: From the options presented, select Archive Reimbursement. You will be prompted to confirm your action.

If you are an Admin or Account Owner, you can archive reimbursements for all users within your organization and your own.

Please note that archiving is permanent and cannot be undone. Once archived, the reimbursement request will no longer be visible in the queue for approval.

How to Assign Banking Transactions to a Department
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Users with Account Owner, Administrator, and Bookkeeper user roles can assign banking transactions to a specific department in two different ways.

Assign a Department from Transaction Details

First, log into your Rho dashboard and in the Banking tab, navigate to your desired account and select the relevant transaction.

Clicking on a transaction opens the Transaction Details slide-out window, where you can expand the Rho Attributes section, then click Add Department. This will prompt a dropdown list of all of your created departments form which you can select.

You can also click on the specific transaction and assigned a department to it:

Assign a Department from Transactions Table

Alternately, you can edit the department of a transaction directly from the All Recent Activity transactions table by clicking the department variable dropdown icon 'v' in the Department column and assigning the relevant value.

To learn how to assign card transactions to a budget, see here.

To assign an expense to multiple budgets, you must split the transaction. For more information, see How do I split a transaction between multiple departments?

How to Assign Card Transactions to a Department
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To assign any of your cards or individual charges to a department that you have been assigned to, start by navigating to the Cards tab in your Rho dashboard.

While only users with Account Owner, Administrator, and Bookkeeper user roles can assign Departments to banking transactions, users with Budget Owner and Employee user roles can assign card transactions, to a specific department in their Cards Tab.

Assigning Individual Card Charges to Departments

To assign a department to a specific transaction, simply click the "Not Assigned" section of a transaction's line item (under the department column). This will prompt a dropdown list of all of your created departments.

You can also click on the transaction to open the Transaction Details window of that charge, scroll down to the Rho Attributes section and select your department from there.

You can only assign one department to each charge.

Assigning Full Cards to Departments

If you are an Account Owner or Administrator, you can assign any card to a specific department at any time, upon card creation or after.

If you are a Budget Owner, Bookkeeper or Employee you can assign any card to a department that you belong to upon card creation.

Once a card is assigned to a department, every charge that card has will be auto-assigned to that Department.

How to Attach Receipts to Card Transactions
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Attaching invoices and receipts to your Rho banking and card transactions is a great way to stay organized and increase visibility. Avoid the month-end scramble and close your books faster by attaching receipts as you spend.

Every Rho cardholder can attach receipts to transactions in three ways:

  1. Attach a receipt to your most recent card transaction via text message
  2. Attach a receipt for any card transaction via email notifications
  3. Upload multiple receipts for any card transaction via the Rho mobile app
  4. Upload multiple receipts for any card transaction via the Rho desktop app

Remember to add any applicable tip amount to your receipt

Read on to learn how to set up your receipt capture options.

How to enable text and email receipt capture for card transactions

For uploading receipts on-the-go, you can turn on text and/or email receipt capture in your Card Settings.

In your Rho dashboard, navigate to the Cards tab > Team Cards and click on the desired card to expand its details. Once in the pull-out window, click the Actions button in the upper right corner of the screen and select Card Settings from the drop-down list.

Enable text (SMS) and/or email notifications by checking the relevant boxes at the bottom of the Card Settings window.

Once enabled, you’ll receive a text and/or email for every approved card transaction.

How to upload a receipt via text (SMS)

When your card transaction is approved, you will receive a text confirming the transaction amount, merchant, time, and last four digits of your card.

Simply reply with a photo of your receipt to file your expense, and Rho will automatically attach the receipt directly to that transaction.

You will receive a text confirming that the receipt has been submitted.

A receipt submitted via text (SMS) will automatically attach to the most recent card transaction. A Canada or US-based phone number is required for SMS receipt uploads.

How to upload receipts via email

You can attach receipts to specific transactions by submitting them via the related email notification.

When you have email notifications enabled, you’ll receive a separate email for every approved card transaction. The subject of the email will include the transaction amount, merchant, and last four digits of your card. In the body of the email you’ll find further details including the transaction time and Rho transaction ID.

Reply directly to the relevant email to attach a photo or PDF of your receipt. You’ll receive a confirmation email once the receipt has been received.

You can enable both SMS and email notifications for the most flexibility when it comes to when you submit your receipts – whether you prefer to do so immediately after your purchase or in your own time.

How to upload receipts in the Rho desktop app

You can also attach receipts to card transactions by uploading them in the Rho desktop app.

To attach a receipt to an existing transaction, locate and select the transaction from your Cards Tab.

By selecting a transaction, you will open the Transaction Details window to the right side of your screen. At the top of that window, there is a section to upload a receipt or invoice. Simply drag and drop your file or click to select a file from your computer.

Rho only allows you to upload your receipts as PDF, JPG, and PNG files.

Viewing your receipts in the Rho desktop app

You can see which transactions have receipts attached in the My Cards page.

All transactions with a receipt attached (whether submitted by text, email, or desktop) will have a paperclip icon to the left of the transaction amount. To view specific receipts, click on a transaction to find it in the Transaction Details window on the right of your screen.

Troubleshooting receipt uploads

If you upload a receipt via email or text message to a transaction that already has a receipt attached, you’ll receive an error message.

To add a different receipt, log into the Rho desktop app, click on the transaction, and replace the receipt shown in the Transaction Details window on the right side of your screen.

How to Assign a Card to a Department
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Account Owner and Admin users have the ability to assign a department or change an assigned department for an existing Rho Card. You can assign a card to the desired Department in two ways:

Through the Cards Tab

This can be modified by navigating to Cards > Team Cards, selecting the desired charge from the table and updating the Department field.

Through the Reporting Tab

You can assign a card to a department by navigating to Reporting > Departments, selecting the desired department and clicking on the Settings tab.

To learn how to create departments, see Create a New Department.

How to Bulk Upload Vendors
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Along with adding individual vendors into Rho, clients can opt to upload multiple vendors in bulk. This functionality is performed by the Rho Client Service team on your behalf.

What is supported:

  • Adding vendors for domestic payments
  • Only adding one payment method for 1 vendor at a time,
    • If you wish to add more payment methods you can do so after the bulk upload with the 1st payment method by selecting “Add account” on the vendor profile.

To take advantage of this service, please reach out to your success associate for the upload CSV template, which you'll need to fill out.

  • Please carefully follow our instructions for each column header
  • Columns with (*) are required for all vendors, we have different requirements for columns based on 1) if the vendor is an individual or a business or 2) what payment method you will be paying this vendor

Fill out the formatted CSV with your desired vendors then email the completed form to your Rho support team. You can expect to see your submitted vendors appear in your Rho dashboard under Vendors > Active within the next 1-2 business days.

Any errors or issues with the CSV data may result in a processing delay. In this event, the Client Service team will reach out to you to resolve the issue.

How to Assign or Tag a Transaction to a Label
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While Rho Budgets can be used to categorize expenses and card spend based on company departments, projects, vendors, seasons, etc, labels can be used to track revenue in addition to expenses. Labels are also a helpful tool in sub-categorization.

You can only assign one Budget to a transaction at a time, however you can assign as many Labels as you would like to one transaction.

Users with Account Owner, Administrator, and Bookkeeper user roles can assign banking transactions, to a specific Label in the Banking Tab and assign card transactions to a specific Label in their Cards Tab.

Users with Budget Owner and Employee user roles can only assign card transactions, to a specific Label in their Cards Tab.

To Assign a Banking Transaction:

Click the Banking Tab and select the transaction you wish to assign from your recent transactions list. (To view older transfers, select the View All button to the right of Recent Activity.)

Once you click on the transaction you'd like to assign, it will open a Transaction Details window to the right side of your screen!

Scroll down on the Transaction Details window until you see the Rho Attributes section. There, you can select a Label to tag this transaction to

Note: You can only assign one Budget to a charge, but you can assign as many Labels as you would like.

To Assign a Card Transaction:

To assign a Card charge to a Label, first navigate to the Cards tab and click the desired transaction under Recent Activity (to see additional charges, click View All in grey on the right side).

Scroll down on the Transaction Details window until you see the Rho Attributes section. There, you can select a Label to tag this transaction to.

Note: You can only assign one Budget to a charge, but you can assign as many Labels as you would like

How to Connect Rho to Your Amazon Seller Account
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If you are an Amazon Seller, you can connect to your Rho business checking account for seamless fund transfers.

1. Locate your Rho bank account and routing numbers.

Once logged in to your Rho dashboard, select the Banking tab in the left navigation menu. Select your desired Account under the All Accounts section, then click on Account Details.

Selecting Account Details will prompt a small pop up window. Click Show to expand both your account number and routing information.

2. Log into your Amazon Seller Account

In a separate tab, navigate to the Amazon Seller Central homepage and log into your seller account using your Amazon credentials.

3. Update your bank account information in your settings

If this is your first time adding bank account information to your Seller account:

  • Go to Settings, and click Account Info
  • On the Seller Account Information page, under Payment Information, click Deposit Methods
  • Click Add New Deposit Method
  • Select the appropriate store
  • Use the drop-down list to select your Bank Location Country
  • Enter the information requested in Where You Will Be Paid
  • If you selected a country with a currency other than the store you are selling in, go to Currency Conversion Payment Agreement, click Agreement, and read the agreement
  • Check the Currency Conversion Payment Agreement box to accept the terms of the agreement
  • Click Submit

If you have previously added a different bank account and need to update your Seller account with your Rho banking information:

  • Go to Settings, and click Account Info
  • On the Seller Account Information page, under Payment Information, click Deposit Methods
  • Click Replace Deposit Method. If you need to edit other bank account information, click Manage Deposit Methods

Confirm that your bank account information has been updated by viewing the Deposit Methods page in Seller Central. Note that it may take up to two business days for information to be updated.

For more information, visit the Amazon Seller Central Help Hub.

How to Bulk Assign Departments and Managers
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Rho offers a streamlined way to manage your team more efficiently by allowing you to bulk assign departments and managers to multiple users from the User Management page. This feature enhances the flexibility and efficiency of managing user roles and budget allocations within your organization. Below are the steps to utilize these features effectively.

Bulk Assigning Users to a Department

  1. Log in to your Rho Dashboard and navigate to the User Management page.
  2. Select the users you wish to assign to a department by clicking on their names. You can select multiple users at once.
  3. After selecting the users, the 'Assign Department' option will appear. Click on it.
  4. A list of available departments will be displayed. Select the department you wish to assign the users to.
  5. Confirm your selection to complete the process.

This feature is only accessible to users with the 'Manage Users' and 'View Own/Team Department' permissions.

Bulk Assigning Managers to Users

  1. Navigate to the User Management page on your Rho Dashboard.
  2. Select the users for whom you want to assign a manager.
  3. Click on the 'Assign Manager' option that appears after selection.
  4. Choose the manager you wish to assign to the selected users.
  5. Confirm your selection to finalize the assignment.

Only users with the 'Manage Users' permission can perform this action.

By utilizing these features, you can significantly reduce the time and effort required to manage user assignments within your organization, ensuring that everyone has the appropriate access and oversight needed for their roles.

How to Cancel a Rho Card
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In the Rho desktop app, you can cancel your Rho Card or your employees cards from the My Cards page. Click on the card you want to cancel, then click on the Actions button on the right side of your screen. Select Cancel Card.

You'll see a confirmation window. Here you'll see the Spend Summary in the past 30 days and the List of Recurring Subscriptions. You can opt-in to have a new card created for you and transfer the recurring subscriptions to it.

Click the Cancel Card button. The card will be deleted and no longer display on the My Cards page.

How to Cancel, Reverse or Dispute a Bank Transfer
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In the event that you have made an error on an outgoing payment  (for example, sent funds to the wrong vendor or initiated a transfer for the wrong amount), you have a 30-minute window to cancel the transfer before it is released.

Domestic Wires: Unfortunately Rho does not have the ability to cancel a domestic wire transfer once it enters "Pending" status. Additionally, domestic wires are typically unable to be reversed or recalled. Please exerise caution when initiating domestic wires to vendors by ensuring all details are correct.

International Wires: Cancelations on International Wires can attempted. Cancelations are most effective if the request comes within the same business day the funds are initiated. The more time passes, the cancelation becomes less likley to be successful. Additionally, wires are typically unable to be reversed or recalled, but Rho is happy to attempt to do so. If you wish to attempt a recall, please reach out to clientservice@rho.co.

ACH: While ACHs transfers are unable to be canceled once in Pending status, they can generally be reversed/recalled once they settle, within 2 business days. If you wish to recall an ACH, please reach out to clientservice@rho.co.

Check: Printed checks can be canceled up until a recipient deposits the check and the funds are cleared by the recipient bank. A check reversal can be attempted post-deposit as well, but it is not guaranteed. To request a reversal, please reach out to clientservice@rho.co. Please note, Rho is always happy to request a bank transfer recall, reversal or dispute, however, these actions depend on the cooperation of the recipient bank and may or may not be honored.

Note that outgoing printed checks can be voided until a recipient deposits the funds, however, past the 30-minute cancelation window, the recipient may still receive the voided physical check in the mail.

Any transaction that displays a ‘settled’ status in your account can no longer be canceled. In the event you would like to attempt a transaction reversal, return, or dispute, please reach out to our Rho Client Service Team. Our team can always attempt one of these actions, but they are not guaranteed to be successful. Recalls for ACH transfers are free, recalls for wires may incur a small fee and, if successful, could take up to 4 weeks to be returned.  

To cancel a transfer, please reach out to our Client Service team by sending an email to clientservice@rho.co, reaching out to the Live Chat Support on our website, or giving us a call at +1 (855) 743-8746.

How to Close or Archive a Department
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Closing a department

If you need to make a department budget permanently inactive, you must close it.

First, go to your Reporting page and find the one you wish to close. Once you open the department you wish to close, click on the three dots and select Close. Finally, click Yes, Close Department on the confirmation window. The department is deleted from your Rho Account, and can no longer be assigned to transactions.

Note: If you need to temporarily inactive a department budget, select Archive.

Archiving a department

You can archive a department through the same process detailed above, but click Archive rather than Close in the dropdown menu. Archived departments can be reactivated and repurposed for later use.

How to configure AP notifications
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You can configure the email notifications you receive for Accounts Payable from your Rho dashboard so you can stay on top of recent activity.

To begin, log in to Rho and click the dropdown ‘v’ next to your name in the upper right corner, then click User Settings.

Once in User Settings, switch to the Notifications tab and choose your desired settings in the Accounts Payable section by clicking the applicable checkboxes.

  • Daily Digest emails send at 5pm EST everyday if there are 1 or more updates about bills in the system.
  • Weekly Digest emails send at 10 am EST Friday if there are 1 or more updates about bills in the system.

Digest emails will summarize recent activity across Bills and Payments. Emails will not be sent in the event that there is no Accounts Payable activity.

Daily digest view:

How to Collect W-9s with Rho
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Rho’s Vendor management solution now allows you to collect & store Vendor’s W-9 forms on the Rho Vendor profile. In Q1 of 2024 Rho will also offer filing 1099-NEC and 1099-MISC forms leveraging W-9 information to speed up 2023 tax year filing!

How to collect Vendor’s W-9 forms

You first need to have an active vendor profile. Then select the Vendors profile > navigate to “Tax Files” > Select “New W-9 Form”

If you already have a W-9 form on file for this vendor and simply wish to relate it to their profile, select “Upload & Verify”. If you do not have the W-9 on file for this vendor select “Send form to Vendor,” and see article section “How to collect W-9 from Vendor”

After selecting “Upload & Verify,” upload the W-9 form file to the “Select File” section. Note: file must be a PDF and max file size is 15mb. Read & select the attestation to upload the W-9 form.

Once the W-9 form has been uploaded, please verify all fields parsed from the W-9 form, read and attest.

The vendor profile will be updated with a status that the W-9 form is “On file”.

How to collect W-9 Form from Vendor

After selecting “Send form to Vendor” you will be prompted to confirm or enter their email address, read, attest & confirm before sending the request

The vendor profile will show a status that the W-9 form is “Pending from Vendor.” Once received the status will change to “On file”

The vendor will receive the following email. The portal will be live for 10 days for the Vendor to upload their W-9 form, review and attest to the information’s accuracy & complete submission.

Requests that are not completed will expire & can be resent by the Rho user.

How to export information

You will be able to export this information collected via the Vendor CSV export in Q1 2024.

How to Configure Expense Notifications
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Rho enables users to configure SMS, email, and mobile notifications related to outstanding expenses.

To modify your notification preferences, click on your name in the top right corner of the Rho dashboard, then click User Settings.

Click Notifications and scroll to the Expenses section.

From here, you can toggle on and off these notifications at any time.

Note: To receive mobile push notifications, you must download the Rho App and enable push notifications via your phone settings. If enabled, you can then toggle on/off available mobile notifications in the Rho desktop (you cannot turn notifications on/off via the Rho App).

You can also set notifications for specific people when you define a rule, by adding users directly in the rule configuration in Payment Settings.

How to Connect Rho to your QuickBooks Bank Feed
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You can link your Rho account to your QuickBooks Online instance via the QuickBooks Bank Feed.

The following data will be sent from Rho to QuickBooks for both banking and card transactions.

Name‍ Example ValueDescription
id “8fe55f65-b5f0-42bb-b049-02aca4ba12f0” ID that refers to a particular transaction at Rho
date “2023-07-01” Date that corresponds to what the Rho customer sees on his/her bank statement
description “Google, INV AY2304832 HWV230928-2388” Corresponds to the sender or recipient in a transaction, appended with the memo/reference that appears within a Rho bank statement
amount_cents “11115” Amount of the transaction in cents, e.g. 11115 for $111.15
type “credit” Money flow direction as the transaction appears in Rho’s banking statements
status “posted” “Posted” refers to “settled” within Rho

How to generate a token

In your Rho dashboard, navigate to User Settings, by clicking on your name in the top right corner.

In the User Settings page, scroll down to the Access Tokens section and click Generate New Token.

In the integration dropdown, select Quickbooks and then click Generate.

In the following pop-up window, you’ll see your new token. Copy the token to use in Quickbooks.

Note: Tokens are associated with a particular user. Once token is generated, copy and store in safe place; cannot be re-accessed

Connecting in QBO

As an Admin, navigate to Bookkeeping > Transactions > Bank Transactions, then click Link Account.

To watch a walk through of how to connect your bank account, click here.

First, search “Rho” in the first window. (Note: you will need to scroll down a bit)

Select Rho and then add the token you generated above.

After successful connection you will be required to select from which Rho checking account you would like bank transaction information to originate from.
Then select an existing or create a new account in QBO where the transactions will post.

Choose the date start range you would like transactions to come in from.

You will now see your transactions from Rho ready for you to Confirm & Review.

How to revoke a token

You can revoke a token by navigating to the User Settings page > Access Tokens and clicking the three dots next to your active token, then select Revoke.

Revoking a token will stop the flow of transactions into Quickbooks Online.

How to connect to an external bank account
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Connecting External Bank Accounts

Rho partners with Plaid and Finicity to allow you to securely connect an external bank account. If your bank supports this functionality, linking a business checking account will allow you to initiate a linked-account transfer to fund your Rho account.

Before you begin, please ensure you are linking your business bank account, not a personal account, to your Rho account.

  1. Click your Business in the top left of your Rho dashboard, then click Organization Settings.
  2. Click External Bank Accounts in the left navigation, then click Instant Connect.
  3. Follow the instructions to access your external financial institution and connect.

Once connected, you can fund your Rho account and set up automatic card payments from your linked account.

Troubleshooting

Below are some of the errors you may encounter when connecting to your external bank account.

Incorrect Credentials

The username and password you used to log into your external bank account were not accepted by your bank. Ensure you are using the same username and password you normally use to login to your third party bank.

If there were multiple institutional selections available for your bank (e.g. SVB Go vs SVB Online Banking), please ensure you selected the correct institution. If you are logging into the incorrect institution you will receive an “Incorrect Credentials” error even if your username and password are correct.

Additionally, some banks use a special "third party application password" or "allow third party access" setting for additional security. In this case, you will need to ensure you use this special password instead of the password you use to log into your financial institution directly on their website.

Please reach out to Rho Client Service if you’ve verified your username and password but the error persists.

Incorrect Institution

Some institutions have different websites for their business and personal accounts. Always make sure you are choosing the institution you use for business banking.

If you don’t see your bank when you attempt to connect, try the second connection provider (Rho works with both Plaid and Finicity) or reach out to Rho Client Service.

Temporary Connection Issue

There may be temporary connection issues with our providers (Plaid and Finicity). Please wait a few minutes and try again.

Authentication or Permission Issue

These types of issues might arise when there is an authentication or permission problem with your account or user credentials which prevents a connection.

Common causes:

  • An incorrect answer to a security question presented by your institution
  • Your Multi-factor authentication (MFA) device is inactive
  • Your institution failed to send the one-time code for MFA authentication
  • Your institution requires special security configuration before third party account connections can be established
  • Your account is not fully set up at your institution
  • Your institution is blocking access due to an administrative task that requires completion
  • You or another user for your bank account did not agree to share, or has revoked, access to the data required for connection
  • Your user credentials or permissions do not allow you to connect your account in external platforms

Verify your institution account settings to ensure third-party providers are able to connect, and that you have active access to your account. Additionally, you may need to verify with your bank account admin to ensure you have sufficient credentials to create a connection. Alternatively, try connecting to a different account and institution. If the issue persists, try with a different connection provider (we support Plaid and Finicity) or submit a support ticket.

How to Contact Rho Support in the Mobile App
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To contact Rho Support on the go, visit the Settings tab in your Rho app. There, you’ll find contact details for getting in touch via phone or email.

As always, you can also log into Rho online to chat with the Rho Client Service team live.

How to export CSVs for reconciliation
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If you're not taking advantage of Rho's direct integrations, you can use Rho's custom CSV exports to add Rho transaction data to your accounting software.  

  1. Navigate to the relevant tab you want to export (Banking, Accounts Payable, Expenses, etc.).
  2. Click Export.
  1. Select the date range & the fields you want included in your export.
  2. Download CSV.

Note: For QuickBooks Desktop, you can use their batch import transaction process or convert the CSV into a Quickbooks-compatible file.

How to Create a Department
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To create a new department, navigate to the Reporting tab in your Rho dashboard, and click the Create Department button in the right corner. From the dropdown, you will be able to choose whether you wish to:

  • Create a manual Department 
  • Add Departments from the ERP (ex. Netsuite Attributes) 

Create a manual Department: 

From there fill in your desired information regarding your new department. These include:

Department Name: Enter a unique name for the department.

Department Color: Click the drop-down list to select the department color to be used for identification in graphs. Other departments should not already use the assigned color for your organization.

Department Budget: Enter the amount of money in US Dollars budgeted for the account.

Department Budget Reset Cadence: Click the drop-down list to select the time period when the department is reset. For example, if the Reset Cadence for your $10,000 Sales department is monthly, then on the first of the next month, the Remaining Department Budget returns to $10,000, regardless of the current monthly expenditures.

When you are finished, click Continue.

From there, you can add the desired users, cards, and vendors to that department which will then be automatically coded. Please note that these steps are optional. 

Add Departments from the ERP

You can now add a Department from your ERP account. First, select the desired attributes and values. 

Once you’ve set up the desired attributes and values, click on the Continue button. On the next page, you will be directed to Configure departments. The departments shown will be created based on your selections. 

How to Create a Card in the Mobile App
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To create a card in the Rho mobile app, open the app and navigate to the Cards tab seen at the bottom of your screen.

Click the + icon in the top right corner to begin creating a new card.

Just like creating a new card in the Rho desktop application, in the card details section, you can opt to create a virtual or physical card and assign the card to yourself or another person.

Once the card has been created, we recommend adding it to your digital wallet for easy, instant use. Both physical and virtual cards can be added to Apple or Google Wallet. Cards added to digital wallets are a digital copy of your physical card, with the same card number and details.

If you created a card for a team member (if you have permissions to do so, you can do it in the User field when creating the card), they will receive an email notifying them and inviting them to view the card details.

How to Create a New Label
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While Rho Budgets can be used to categorize expenses and card spend based on company departments, projects, vendors, seasons, etc, labels can be used to track revenue in addition to expenses. Labels are also a helpful tool in sub-categorization.

You can only assign one Budget to a transaction at a time, however you can assign as many Labels as you would like to one transaction.

First navigate to Budgets > Labels in your Rho dashboard.

Click the + New Label button in the right corner to create a new label.

Select a name and a color for your new label in the pop-up window, then click Save Changes.

How to Create Rules for Expenses
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When you have Expenses enabled, you can set up custom rules that will apply to any and all Rho Card transactions, reimbursements, and credits.

How to create rules

To create a rule, navigate to the Expenses tab in your Rho dashboard, then scroll to the Rules section and click the + Add Rule button.

Here's what each field means:

  • Rule Name
    • The name and description will be visible to your organization in the Policies tab
  • Expense Type
    • This is the type of expense the rule will apply to. You can apply to Rho Card, Reimbursement, and Credit expenses.
  • Conditions
    • You set conditions that will enable the rule, by amount, user, merchant, and more
    • Examples: Amount is greater than $25; Merchant Name equals Home Depot
  • Set requirements
    • If a transaction meets the above conditions, the cardholder will be required to provide these pieces of information
  • Penalties
    • Mark an expense as Out of Policy if it meets the conditions
  • Exceptions
    • Exclude specific users and cards from the rule

How rules impact the expense flow

When a rule is enabled, it will apply to all relevant transactions. Please note, these are post-spend controls, meaning Expense rules will not cause Rho Cards to get declined.

For more information about Rho Card settings & spend controls, see here.

For examples of expense rules, please see here.

How to Create a New Rho Card
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Create a card

You can create a new Rho Card with a few simple steps, by navigating to your Cards Tab > Team Cards, and clicking the black and green + Create Card button in the top right-hand corner. From the dropdown, select if you'd like to create a card for yourself or someone else, or bulk create cards.

In the pop-up window, select whether you want to create a physical or virtual Rho Card.

Rho will send the physical card by mail. Virtual cards can be used instantly upon creation, both online and via Apple Pay or Google Pay.

Set up your physical card

If you select Physical Card, you can set up your card in the below screen:

  • Card Limit (optional): Specify the maximum amount of money that can be spent monthly using the Rho Card, if desired. By default, the amount is in United States Dollars.
  • Budget (optional): If desired, assign all transactions made with the Rho Card to the budget selected from the drop-down list. Note: Only Admins and Account Owners can assign budgets to cards.
  • Assign Rho attributes (optional): If desired, you can assign attribute values for specific cards, so transactions from these cards are automatically mapped to these specific values without further manual mapping required.
  • Merchant Controls (optional): If desired, restrict Rho Card transactions to only select merchants or the categories selected from the drop-down list. For example, you can select Airlines, Air Carriers and Airports, Flying Fields, if you want the card to only be used for air travel expenses.
  • International Spend (optional): If desired, you can enable the the card to be used outside the U.S.

Once you've filled in these details, click Continue and you'll be prompted to enter the Billing and Shipping Address. Once completed, you'll see a confirmation that your physical card has been ordered.

Notes:

  • We cannot ship physical Rho cards to P.O. Boxes. Physical card shipping addresses must be physical addresses.
  • Physical cards and virtual cards cannot share numbers, CVV codes, or expiration dates. Each created card is its own unique card, therefore two cards, one virtual, and one physical cannot have the same number or be used as the same card.
  • If you order a physical Rho Card, you will receive an email when the card has been mailed to your address. Typically Rho Cards arrive via FedEx within 5 business days. In case it takes longer, please reach out to our Client Service to request the tracking number
  • To activate your physical card please follow the pamphlet of instructions you were sent in the envelope with your new card. This will include a QR code and a special activation website. Attempting to activate this card by "unlocking it" in your Rho account under the Cards Tab will not work.

Set up your virtual card

If you select virtual card, you can add additional controls. For more information about these card controls, see here.

Once you've filled in these details, click Continue and you'll see a confirmation that your virtual card has been created.

How to Create Mapping Rules in Rho
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Rho offers a powerful feature for automating your accounting processes: Advanced Mapping Rules. This functionality allows you to streamline your accounting by setting up rules that automatically assign multiple attributes to transactions based on specific conditions.

This guide will walk you through how to configure your account and attribute mapping so that you can save time closing your books as we automatically map attributes to your records.

Here is a video walkthrough:

Before you can set up mapping rules, you have to enable direct integration between Rho and your accounting software. See full instructions below:

IMPORTANT: Ensure all necessary accounts (e.g., credit, checking, and other accounts) are created in your accounting software.

Once all the required accounts are created, click Refresh in the top right corner of the Accounting tab for the new data to appear in Rho. This can sometimes take a few minutes.

Understanding Advanced Mapping Rules

Advanced Mapping Rules enable you to define conditions under which multiple transaction attributes, such as location, department, class, and customer, are automatically assigned. This eliminates the need for creating multiple individual rules for each attribute, significantly reducing manual effort and enhancing automation. For example, with one rule, you can define that if the vendor is Starbucks, then the location is New York, the department is Marketing, the class is Social, and the customer is Jack.

Account Mapping connects any Rho account (Card, Checking, Treasury, or Accounts Payable) to an existing or newly created Chart of Accounts (CoA) in any accounting software. As a result, all transactions associated with that Rho account are automatically transferred to the corresponding CoA in the accounting software.

Getting Started with Mapping Rules

To create mapping rules in Rho, follow these steps:

  • Sign in to your Rho account in the desktop app, navigate to and select the Accounting tab in the left-hand menu in Rho.
  • Select Mapping Rules: then select the Entity from the list to create mapping rules. Note that all changes are saved automatically.
  • You will now see the Ledger tab, where you set your default rules. These default rules direct all unmapped transactions to a specific Income and Expense ledger in your accounting software.
  • Define the Rules: In the rule configuration interface, specify the Condition that triggers the rule. For example, if the transaction involves a specific vendor like Starbucks.
  • Add or Edit Rules: Click Create Rule + to create a new rule. To edit an existing rule, click on the pencil icon.
  • Create Advanced Rules: You can create advanced rules from two places
    • Selecting a rule, clicking the three dots, and selecting turn into the advanced rule.
    • Navigate to the Advanced Rules tab, and click on Create Rule +.
  • Define Advanced Rule: You can add conditions that have to be met for something to be input, or a single condition has to be met for many inputs
    • Under Mapping and Conditions, list the multiple attributes that should be automatically assigned when the condition is met. For instance, you can set the location to New York, the department to Marketing, the class to Social, and the customer to Jack, all within a single rule.
    • Complex Rule Priority: Remember, in scenarios where multiple rules could apply to a transaction, Rho prioritizes the more complex rule. This ensures that the most detailed and relevant data is captured for your accounting needs.
    • Once you've defined your rule, click on Continue.
  • Specify the Timeframe: If necessary, define the Timeframe during which the rule should be active. This ensures that the rule only applies to transactions within a specific period.
  • Save the Rule: After configuring the condition(s) and action(s), click Create & Apply Mappings. The rule will now automatically apply the specified attributes to transactions that meet the condition(s) within the defined timeframe.

Mapping Rules for your Attributes

Here is a list of the various Rho Attributes you can map to your Accounting Software. See the descriptions below.

  • Budgets: Budgets in Rho are used to classify transactions across your cost centers. You can create budgets by department, project, and more (e.g. assign cards, transactions, or people to budgets to help you manage your organization's expenses).
  • Labels: Labels are the equivalent of classes in your accounting system. You can create custom labels to help categorize your spending and assign labels to any budget, transaction, or bill directly in Rho.
  • Cards: Virtual or physical Rho cards created in your Rho account can be assigned to transactions (e.g., John Smith Card, Google Ads Card, IT SaaS Card, etc.).
  • Merchants: The payee or recipient of the goods/services (e.g., Google, Uber, Smith Supplies) can be assigned to transactions.
  • Merchant Categories: The classification of the payee's business by the type of goods or services provided (e.g., Taxis/Limousines, Courier Services, Electronics Store) can be assigned to transactions.
  • Payees: A payee is any person or business you want to directly send money to (via ACH, Wire, or check). You can create and save payees in your Rho account.

Best Practices for Using Complex Mapping Rules

  • Prioritize clarity: Ensure that the conditions and actions in your rules are clearly defined to avoid confusion.
  • Review regularly: Periodically review your mapping rules to ensure they remain relevant and update them as necessary.
  • Utilize the most complex rule: In cases where multiple rules could apply, Rho will prioritize the more complex rule to ensure the most detailed and relevant data is captured.

How to Create Cards in Bulk
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In a few easy steps, you can create multiple Rho cards in bulk for a group of employees.

After logging in to Rho, select the Cards tab in the left navigation menu, followed by Team Cards.

On the right-hand side of the screen, click the black Create Card button, followed by the Bulk Create Cards option in the drop-down menu.

This will prompt an “Upload CSV” pop-up window. To ensure a smooth upload process, we recommend using the CSV file template you can access by clicking download the template.

Inputs for CSV file:

Input name Optional? Examples

User Email

No

test@rho.co

Card Type

No

Virtual, Physical

Card Limit Amount

Yes

Example: 1000

Card Limit Type

Yes

Fixed, Monthly, Single User

Budget Name

Yes

Test

Shipping Address

Yes

Example: 100 Crosby Street

Once you are finished adding your data, proceed to upload the file and click Import & Review.

This will bring you to the Review and Create Cards screen, where you should see your uploaded CSV information and any errors that have been flagged. Take a moment to review the listed information and make any corrections as needed as you can edit any of the values listed.

For convenience, you have the option to set bulk settings by selecting the checkmark next to the desired individuals and choosing the applicable setting to apply from the row of buttons found in the top-right corner.

Once you have finalized the information, save your changes and create the cards by clicking the Submit button.

These cards will now appear in the Cards section of your Rho dashboard.

How to Create an Internal Transfer
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From the Banking page, you can send money from one Rho account to another within one entity's account. This includes Treasury to Checking account transfers and checking-to-secondary checking account transfers.

We do not offer the option to transfer funds from one company's Rho account to another company's account at Rho, even if both companies are owned by the same user. Internal Transfers are meant for transfers with one company's account. If you would like to send a transfer from Company A to Company B, you can create a payee profile for Company B under the Company A account, set up a Domestic Wire Payment Type using Company B's domestic wire instructions, and send a domestic wire. Please note that while checking to checking transfers under the same business settle within an hour of initiating, business to business internal transfers take 25 hours to settle.

You can initiate a transfer immediately or schedule it for at a later time, as well as schedule the transfer to be a recurring transaction. Settlement times for Treasury Account transfers are 1-3 business days.

Click the Banking tab from the Rho toolbar to open the Banking Dashboard. Click Internal Transfer:

Note: Please make sure you are not selecting a specific account on the left side of the page.

From here you will be redirected to the Internal Transfer Details Page:

Specify the transfer information, and then click Continue:

Transfer From: Click the drop-down list to select the Rho account that the money is transferred from.

Transfer Amount: Enter the amount of money to be transferred from the Rho account to the Vendor in US Dollars.

Frequency: By default the money is scheduled to be transferred only once (One Time Only). To specify a recurring transfer, click the drop-down list and select the desired frequency:- One Time Only (default)- Every day- Every week- Every month- Every year

Assign from Budget: To assign the ACH transfer to a specific Rho budget, click the drop-down list, and select the desired budget name. For more information about creating budgets, see Create a New Budget.

Memo: Enter any notes or information to be associated with the ACH transfer.

Add Attachment: To attach a bill or invoice to the transfer, click the Add Attachment button. An open dialog window displays, allowing you to navigate to the location where the file is located, and then click Open.

When will the transaction begin processing?: By default, the money is scheduled to be transferred immediately (Now). To specify a later date, click Later and then click the calendar field to specify the desired date. All immediate transfers are displayed on the Past Transfers page, and all scheduled transfers are displayed on the Scheduled Transfers page.

Note: If you schedule a recurring transfer using the How often? field, the Rho application bases the transfer on the date specified in the When should it go through field. For example, if you schedule a monthly transfer (Every Month) with a schedule date of 01/01/2022, then the first recurring transfer will occur on 02/01/2022.

Confirm Transfer Details

After you create the transfer a confirmation page displays. Review the transfer information, and then click the Confirm Transfer button.

Transfers between checking accounts under the same business should settle within 1 hour of the transfer being sent. Transfers between checking accounts under separate businesses at Rho will take 25 hours to settle. Transfers in or out of Treasury Accounts typically take 1-2 business days to settle.

How to Dispute a Transaction on a Rho Card
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An unauthorized transaction is any transaction made by a person other than the cardholder.

If your card is ever lost or stolen, please lock your card and contact Client Service right away at 855-743-8746.

To dispute an unauthorized or erroneous transaction on your Rho Card, please reach out to the Rho Client Service team, which is available for live support Monday through Friday from 8am ET to 8pm ET via:

To dispute a transaction, our Client Service team will need:

  • The last 4 digits of the card affected
  • The Rho Transaction IDs of the disputed transactions

The Client Service team will also ask a series of questions to best determine how to handle your dispute. Typically, disputes may take up to 90 days to be resolved. A member of the Rho Client Service team will keep you informed throughout the process.

In the meantime, we also recommend that you reach out to the merchant for any erroneous transactions, such as double charges or overcharges. Often, working directly with the merchant can lead to faster resolutions.

What happens after I dispute a transaction?

Once we receive your dispute information, our team will initiate the dispute process with Mastercard. As a standard protective measure, the card(s) associated with unrecognized and unauthorized charges will be automatically canceled to prevent any further fraudulent charges. A dispute determination can take 45-90 days and is managed by Mastercard. We will reach out as soon as we have an update.

To ensure no additional unauthorized charges happen, we always recommend implementing the following features:

Set up Two-Factor Authentication

Sign up for Rho Card alerts

Use card-specific controls

How to Deposit a Check
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You can deposit a check into your account just as you would with any other bank. Make sure that you have endorsed the check by signing your name on the back.

Before you start

All checks are deposited via photo check deposit, by capturing an image of both the front and back of the check and uploading it to the Rho application. Once captured, Rho validates the check and transfers the money into the specified account. Checks settle in 3 business days after the check is uploaded, subject to risk-based monitoring (generally up to 6-7 business days).

To deposit a check via Remote Deposit Capture, you must properly endorse it in one of two ways:

Printed/live copy checks must be endorsed with a wet signature on the back and must state “for mobile deposit only.”

Digital copy checks must be  typed/written/stamped on the back with the following information:

    1. "Pay to the order of Webster Bank N.A.”
    2. “For Mobile Deposit Only”
    3. Your company name ([company name here])
    4. Rho routing number (021913655)
    5. Last 4 digits of your checking account number
    6. Current date (today is [date])

To ensure there are no delays depositing funds, all check images should be:

  • High Resolution
  • Horizontally Oriented
  • Against a dark, contrasting background
  • Showing all 4 corners of check

Check deposits in excess of $15,000.00 in one business day may be subject to additional screening and delays in settlement.

Deposit a check via the Rho mobile app

Download the Rho mobile app to easily deposit a check using your phone camera. Learn more here.

Deposit a check on web

To deposit a check, head to the Banking tab. Click Move Funds, then click Deposit.

Select Deposit a Check.

Upload an image of your check

There are two ways to upload the check:

1. Upload from your device

If you do not have a camera on your computer, or have already captured the front or back of the check image in .jpg or .png format, click the Upload An Image button. An open dialog window displays, allowing you to navigate to the location where the check image is stored, so you can select it. Once selected, the image is uploaded to the Rho application.

2. Take a Picture

To activate the default camera for your computer and capture the image of the check, click the Take a Picture button.

Center the check in the window, and click the Red button to capture the check image. If the image is accurate and visible, click Done. The image is uploaded to the Rho application.

Note: If you're having issues uploading a check please contact us at clientservice@rho.co and someone will assist you.

Capture check details

Once the images of the front and back of the check are uploaded, click the Continue button. The check details page is displayed.

Specify the checking information, and then click Continue.

Sender
Enter the name of the sender specified on the check.

How much was the check?
Enter the amount of money specified on the check in US Dollars.

Deposit To
Click the drop-down list to select the Rho account into which the check will be deposited. By default, the Rho Primary Checking account for your organization is selected.

Confirm Transfer Details

A confirmation page displays, click Confirm Deposit Details if the information is correct.

Check deposits in excess of $15,000.00 in one business day may be subject to additional screening and delays in settlement.

When depositing a check via the Rho mobile app, your check will first show as queued, then it will be in a processing state until it settles. This is the same flow as depositing checks via web.

How to Download a CSV for Card Transactions
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You can easily download a CSV detailing card transactions from your Rho dashboard.

First, navigate to the Cards > Transactions tab in your dashboard. Scroll down to the transactions table and then click the Export button on the right side of the screen.

This will export transactions across all your Rho cards.

To see transactions for a specific card, navigate to the Team Cards tab, select the card, and click Export CSV in the card details page.

In the pop-up on the right side of the screen, you can enter a specific date range and select which attributes you'd like to include in the CSV.

Once you have your filters set, click the Download CSV button.

How to Deposit a Check in the Mobile App
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To deposit a check in the Rho app, you first have to enable access to your camera and/or photos. The Rho app will prompt you to enable camera access when you’re ready to take a photo of the check.

To deposit a check, navigate to the banking tab and then click the check icon in the top right corner.

Note: Make sure to endorse the check by signing the back. Also, handwrite "for mobile deposit only" under your endorsement (or check the mobile deposit box, if applicable). Additionally, upload a clear photo of the front and back of the check on a white background.

Once you’ve submitted your deposit, you’ll be able to view it in the Recent Activity log in your Banking Tab in the Rho dashboard.

Please note:

  • Check deposits take 2 to 3 business days to clear, subject to risk-based monitoring (generally up to 6-7 business days).
  • Check deposits in excess of $15,000.00 in one business day may be subject to additional screening and delays in settlement.
  • When depositing a check via the Rho mobile app, your check will first show as queued, then it will be in a processing state until it settles. This is the same flow as depositing checks via the Rho website!
How to Download a CSV of Transactions
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For a CSV of your account statements, click into your Banking Tab from the Rho Toolbar.

You can select the desired account by clicking on it on the left-hand menu, or you can simply click All Accounts to view all of your checking and treasury account transactions.

Click the Export button on the right-hand side, and choose the date range and Attributes you'd like to be included. You will receive a spreadsheet download once you click on Download CSV.

You can also download a CSV for Card Transactions: here's how.

How to Download a CSV for Departments
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To download a CSV for your Department:

  • Navigate to the Reporting tab in your Rho dashboard.
  • Click on your desired Department.
  • Once on your department reporting page, scroll to the Transactions section and click on the Export button on the right-hand side of the screen.

How to Download Receipts
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One-by-one

To download a specific receipt, log into Rho and head to Expenses. Click on the transaction in question and then click the download icon located to the right of the receipt.

Bulk download

To download multiple receipts at once, log into Rho and head to Expenses.

  1. In either the Company or Personal Expenses tab, click Export.
  2. Select Receipt Images
  3. Confirm the date range
  4. Click Download receipts
  5. Locate the ZIP file in your downloads folder

Note: If you apply filters to your Expenses table prior to downloading, that will reflect in your export. So if you want to export receipts for specific users, budgets, or other fields, ensure you apply those filters prior to exporting.

How to Download a Void Check
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Here's how to download a void check:

  1. Navigate to the Banking tab
  2. Click View Documents
  1. Select the account for which you want to download the void check
  1. Scroll to Forms and Templates, where you can choose download the void check template or send via email
How to Edit or Cancel a Recurring or Scheduled Payment
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Recurring transfers can be used to pay bills and make payments.

Unfortunately, you cannot edit a recurring transfer. If you wish to make changes, you will need to cancel the current one and create an entirely new recurring transfer.

Recurring transfers are displayed in the Scheduled Payments section of the Banking Tab:

The Scheduled Payments tab lists all future Rho transfers in tabular format. The Recurring column provides information on whether a transfer is recurring or not, and what the frequency is.

If you have a scheduled recurring payment that you would like to cancel before the next upcoming payment is released, you can do so easily.

From your Rho Banking tab, select the green "View All" button under Scheduled Payments.

(Note, this option will not appear if you have already selected a specific bank account under the All Accounts section. If you have selected a specific account, simply hit the back button or re-click the Banking Tab to be redirected to the main page).

Once on the Scheduled Payments tab, you should be able to locate the next upcoming payment of that recurring transfer, and simply click the red cancel button on the right side of the Scheduled Payment line item.

You can then create a brand new one in your Make A Payment option with your preferred changes.

How to Edit the Spending Limit on a Rho Card
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You can change the spending limit on existing cards within the Cards tab in the Rho dashboard.

In the Team Cards tab, select the card you wish to edit.

Click the Actions button in the upper right corner of the screen and select Card Settings from the drop-down list.

From the Card Settings window change the Card Limit to the desired value. Click Save Changes when you are finished.

You can also control spend across multiple Rho Cards using User Limits. Learn more here.

When you enter "0" as the card limit, it implies that the card has no spending limit. You will see a warning message in the card limit modal during both the card creation and card settings processes, alerting you that setting the limit to "0" effectively removes any spending cap on the card.
How to Edit the Permitted Spending Categories for a Rho Card
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Admin, Employee, and Budget Owner default user groups as well as any custom user groups that have the Manage Team Card Permissions permission toggled On have the ability to assign Permitted Spending Categories for an existing Rho Card.

This can be done by navigating to Cards > Team Cards, then selecting your desired card. In the expanded card page, click the Actions button and selecting Card Settings from the drop-down list.

In the Card Settings pop-up, expand the Advanced Controls section.

Scroll to the Merchant Controls section, toggle to On and then select the Categories tab. In the Permitted Spending Categories field, you can restrict card transactions to only the categories selected from the drop-down list.

For example, you can select Airlines, Air Carriers and Airports, Flying Fields, if you want the card to only be used for air travel expenses.

Click Save Changes at the bottom of the form when you have finished editing the settings.

How to Edit Departments
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You can easily edit departments by navigating to the Reporting tab in your Rho dashboard and then clicking on your desired department to open its details.

Once on the details page, click on the Settings tab.

From the Department Settings window, you can edit the following:

  • Department Name
  • Department Color
  • Department Budget 
  • Department Reset Cadence

Click Save Changes when you have finished editing your budget.

How to Enable SMS Notifications for Suspicious Transactions
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Rho is committed to the security of your account and has recently introduced an optional fraud protection feature: SMS notifications for suspicious transactions. This service is designed to alert you immediately when a potentially fraudulent transaction is detected, allowing you to confirm or deny the transaction promptly. Below are the steps to enable this feature.

Step-by-Step Guide to Opt-In for SMS Fraud Alerts

1. Log in to your Rho account and navigate to the Settings menu.
2. Within Settings, locate and select the Notifications page.
3. Look for the option related to SMS notifications for suspicious transactions and choose to opt-in.
4. Ensure that the phone number on file is a cell phone number, as this service requires the ability to receive SMS messages.

What Happens When a Suspicious Transaction is Detected?

  • You will receive an automated SMS notification if a suspicious transaction is identified.
  • The transaction will be automatically declined, and the SMS will prompt you to confirm whether you recognize the transaction.
  • Reply YES if you recognize the transaction, and the block will be lifted, allowing you to re-attempt the purchase.
  • If you reply NO, indicating that you do not recognize the transaction, your card will be automatically canceled to prevent further fraudulent activity.

Tips and Warnings

  • Regularly update your cell phone number in your account settings to ensure you receive timely alerts.
  • Be aware that replying NO will result in the immediate cancellation of your card, so confirm the transaction carefully.
  • This feature is optional but highly recommended for enhanced security.

How to Edit Users in a Department
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Using Rho, you can view which users in your organization are assigned to a department. Users can assign specific transactions to the department from the transaction window page when assigned to a department.

Users with Admin privileges can add a user to a department from the Settings page, where you can also edit and remove the users assigned to the department.

To add new users to a department:

  • Navigate to the Reporting tab
  • Select your desired department.

You will see the Settings button once on your desired Department's Details page. Click this, and navigate to the User section, where you can click + Add User. You can select your desired user or add a group and save changes by clicking Add Users.

To remove a user from a Department

  • Click on the three dots next to the user
  • Click on the Remove from Department button.

How to Enable Bill Sync from your Accounting Software
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To enable Rho to sync bills from your accounting software, navigate to the Accounts Payable section in your dashboard menu, then click on the Settings tab.

Next to Enable Account Payable from [Accounting Software], toggle to On.

In the triggered pop-up, input the date from which you would like to sync bills. Click Enable when complete to finalize changes and turn on the sync.

How to Enable Reimbursements
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If a company enables reimbursements, users can submit out-of-pocket expenses for reimbursement in Rho.

To enable reimbursements, a Rho administrator or account owner can go to Expenses Settings in the Rho dashboard, turn on the feature, and choose which Rho accounts they want to pay out reimbursements from.




How to Export a CSV of Your Expenses
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To export a CSV of your Company or Personal Expenses, navigate to the desired tab in Expenses, and click Export CSV.

Select your desired date range and attributes, and click Download.

Note: Split transactions display as separate line items. For example, if you download a CSV for expenses that have split transactions, the transaction in question will show on two separate rows but will have the same transaction ID.

How to Filter and Set Custom Views in Expenses
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Rho’s expense management tool enables all members of your organization to track spend, get approvals, and review unexpected or out-of-policy spend. For a high-level overview of the expenses tab and its functionality, please see Understanding the Expenses Tab.

The Expenses view (Expenses > Company) is targeted towards what’s most important for you to know, based on your role. If you’re an approver, you’ll see expenses that require your immediate action. If you disburse, you’ll see a list of reimbursements ready to be paid out.

Customizing Your View

The headers at the top of the Expenses tab highlight a summary of categories that may need your attention, summarizing them by Amount. To auto-show this view, click on the filter icon next to the amount.

The default view is set to the last 60 days, but a new date range can be set by navigating to Filter > Date.

To personalize your view, click View on the top header.

Here, you’ll be able to:

  • Drag and drop columns to rearrange their order in the table
  • Select and deselect values, choosing whether they appear in the table

Click a bubble to select or deselect. Bolded values indicate selected values, while those in gray indicate ones the user has chosen to hide.

Note: Some values are faded, and represent mandatory information on Expenses.

  • Resize columns by clicking on the outer edges of a column and dragging them in the direction you desire

Search and Filter for Expenses

To help quickly locate specific Expenses, leverage the new filter system or simply search for an expense by name.

Click on a column name to view options for arranging the data

Note that options vary by column.

Click on the filter icon in the navigation bar to see grouping and sorting options

Search for Expenses by name

How to Find Transactions That Need Approval
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To view any transactions that require your approval, visit your Banking tab. Once there, you will see the Approvals Needed section in the center of the screen. Click View All in order to see the transactions awaiting approval.

Once on the Approvals page, you can approve or deny each of these transactions. Once the transactions have been sent they will appear in your Banking tab's Recent Activity.

How to Filter Expenses
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In the Company and Personal expenses tab, you can filter your expenses by user, budget, or status to easily monitor the expense workflow.

You can search within these drop-down menus or scroll through them to select one or more options.

You can also search for specific transactions using the Search button on the left.

How to Find Your Routing or Account Number
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You can find your account and routing number by clicking on the Banking tab in your Rho dashboard.

From there, go into the desired Checking Account by clicking on the Account on the left side of the screen.

Click on the Account Details button in the upper right corner of the screen.

This will open a dialogue box that will include:

  • Account Name
  • Account Type (Checking, Treasury, etc)
  • Account Number
  • Routing Number
  • Account Holder
  • Account Address
  • Statements
  • Instructions To Receive Funds

If you select the last option, Instructions To Receive Funds, this will direct you to a new dialogue box instructions that will include PDF instructions for receiving money to your Rho account via ACH, Domestic Wire or International Wire.

How To Fund Your Account
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Rho provides several ways to receive funds into your account.

You can find detailed instructions for sending an ACH or a Wire (domestic or international) to your Rho account by clicking on the Banking Tab, going into the desired Account from the left-hand menu, and clicking on the Account Details button in the upper-right corner. Then click on View Receiving Instructions to access the transfer instructions.

This will direct you to Send (email) or Download one of these instructional PDF documents:

  • Domestic Wire Instructions (Domestic Wire payments will reach your account within the same day if sent before 3 PM ET in most cases. Settlement times can vary based on the policies of the sending bank.)
  • International Wire Instructions (International wires should arrive between 1-5 business days. Please let the Rho Client Service team know if you are expecting to receive international wires.)
  • ACH Transfer Instructions (Standard ACH payments take 1-3 business days to settle. An ACH pull can take 2-3 business days, and a push can take 1-3 business days. Here is more information on ACH push vs. pull transactions.)
  • Void Check Template (for proof of account)

You may also choose the "Deposit Funds" in the Move Funds dropdown once you have selected an account, and from there, you can:

  • Deposit a check: Check deposits take 2-3 business days, subject to risk-based monitoring (generally up to 6-7 business days), to clear. Deposits in excess of $15,000.00 in one business day may be subject to additional screening and delays in settlement. For more information, please visit our guide on How to Deposit a Check.
  • Link an external bank account: Linked Account transfers can take up to 5 business days to settle. Need help linking your account? We’ve got a handy guide on How to Link an External Checking Account.

If you are experiencing issues with expected payments, please know that Rho is unlikely to be able to track incoming payments. We recommend contacting the sending bank directly.

However, we're happy to try to help with any issues you may have. Here is some information on Tracing Incoming Funds.

How to Label Expenses
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Users with admin-level permissions can assign expenses, or any other transactions, to a specific label for better tracking.

First, log into your Rho dashboard and in the Banking tab, navigate to your desired account and select the relevant transaction.

Clicking on a transaction opens the Transaction Details slide-out window, where you can expand the Rho Attributes section, then click Add Label.

Select the desired label(s) from the menu and click Apply. The expense is now assigned to that label.

How to Install the Rho Mobile App
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To install the Rho app on your smartphone, please choose from the options below:

Scan the QR code or click the links below to download the app:

Download the Rho App on the App Store →

Download the Rho App on Google Play →

How to Lock and Unlock a Rho Card
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You can lock or unlock your Rho Card (or your employees' cards) from the Cards tab within the Rho dashboard.

To lock a card, first navigate to the Team Cards sub-tab and select the desired card. In the Card expansion page, click the Actions button, then select Lock Card from the dropdown menu.

A confirmation window will display asking you to confirm your change. Click the Yes, Lock Card button to finish.

Once a card has been locked, it will be inactivated and displayed in the Inactive Cards section of the My Cards page.

To unlock a card, follow the same steps, but click Unlock Card in the Actions menu. On the confirmation window display, click Yes, Unlock Card, and you'll then be able to use your card.

How to Invite Vendors
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To invite a vendor, select “+ Add Vendor” and add required fields and select “Invite Vendor to Complete Profile”

The vendor will receive an email inviting them to complete their profile.

Vendors will receive auto reminders to complete information and can be manually reminded from Vendors> Drafts.

How to Manually Sync Bills from your Accounting Software
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Bills are auto-synced from your accounting software every 24 hours, however, if you need to sync sooner, you can manually force a refresh to pull bills into Rho.

This function is only applicable if you have already configured the ERP Bill flow.

In your Rho dashboard, navigate to Accounts Payable > Payments.

In the upper right corner, click the Sync Bills button.

The sync will take place in the background, with no disruption to the dashboard. Once synced, bills will appear in the Bills > Processed and Payments > Drafts tab table.

Only bills with the status Approved and Ready for Payment AND are associated with vendors that are 1) active in Rho and 2) mapped, will be pulled into Rho.

How to Get a "Proof Of Account" Document
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There are a few ways you can retrieve a Proof of Account from Rho:

Voided Check

You can download this right from your dashboard. In your dashboard, in the Banking tab, click the Documents button in the upper left corner.

Once in the Documents page, scroll to the Forms and Templates section, then next to the Voided Check Template option, you can choose to either download it or email it to yourself or a third party.

Current Bank Statement

Vendors may also accept a current bank statement. Statements are generated on the 5th of every month and can also be found in your dashboard in the Documents page > Account Statements section (if you have a new account and do not currently have a statement, please refer to the last option below).

Request a Bank Statement

If the first two options do not suffice, you may request a blank bank statement, or a statement reflecting your account balance to date. You may also request a "proof of account" bank letter that shows your account is open and in good standing with Rho. You can easily request these documents by contacting a member of the Rho team (+1 (855) 743-8746 or email clientservice@rho.co). Please allow 1 business day for this request to be completed.

How To Link Rho To Your Accounting Software
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Rho has native integrations with NetSuite, QuickBooks Online, Sage Intacct, and Microsoft Dynamics 365. Here's a quick video video of how to get started:

Step-by-step

  1. To set up an integration, log into your Rho account.
  2. Click the Integrations tab in navigation bar
  3. Click on the "+" next to your accounting software
  4. Follow the steps in the guided integration.

Dive deeper

For more in-depth guides to integrating with your accounting software, dive into the relevant section:

How to Manage Your Cards in the Mobile App
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In the Cards tab of the Rho app, you’ll be able to see all your physical and virtual Rho cards. They’re sorted by status, from active to locked to inactive to canceled.

You can lock, unlock, and cancel your Rho cards in the app by tapping on the card and clicking Lock Card or Cancel Card.

For more information about locking and unlocking your Rho cards, please see here.

How to Manage Users and Groups in Rho
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We know every Rho customer is unique and has different business needs which impact how their employees interact with the Rho platform. For this reason, our user management feature equips Account Owners and Administrators with full control over how your users interact with the platform and what they can access.

To manage or edit user access, first log in to your Rho Dashboard.

Once logged in to your Rho dashboard, select the User Management tab in the left navigation menu.

Under User Management, you will see two tabs: User and Group. This article is split into two sections accordingly: managing Individual Users and managing Groups.

Managing Individual Users

In the User tab, admins can create, manage, and view all user profiles of their organization for streamlined administration and updates.

Add a New User

To add a new user, navigate to User Management > Users. In the Users tab, click the Invite User button in the top right corner of the dashboard.

The drop down will prompt you to either Add User or Import Users.

  • To Add a User, fill in the details in the pop-up form and save and submit your changes by clicking Invite User.
  • To Import Users, upload a CSV file with the information of one or more users. Please refer to our template CSV file to ensure the correct format for importing.

Form Fields:

  • First Name: Specify the user’s first name.
  • Last Name: Specify the user’s last name.
  • Email Address: Specify the user’s email address. When the profile is created, the Rho application sends an email message to the user inviting them to the Rho application.
  • Phone Number: Specify the user’s phone number. If this phone number is a cell phone, the user can use this number for two-factor validation when required.
  • User Group: Click the drop-down list and select the desired role for the user in the Rho application. For more information about User Roles, see our Group Tab.
  • Monthly User Spending Limit: Enter the amount of money the user can spend in a calendar month.

Edit a User Profile

To edit an individual user’s information, navigate to User Management > Users. In this tab, you will see a list of all users. Select the desired user by clicking their name, which opens a new window with their information and details.

Under their name, click the Edit button. In the pop-up form, make your desired changes, then save and submit them by clicking Save.

Delete a User

To delete an individual user, navigate to User Management > Users. In this tab, you will see a list of all users. Select the desired user by clicking their name, which opens a new window with their information and details.

Under their name, click the Edit button. In the bottom left corner, click the red Delete User button on the form.

This prompts a final pop-up confirming the deletion. Please note deletions are permanent and irreversible.

Managing Groups

Similar to the User tab, the Groups tab allows you to view and manage all of your user groups in one place. In this tab, you can:

  • View details for each user group and users who belong to each group. You may also search for and directly add or remove users from groups here.
  • View and edit default user groups, which Rho has pre-designed to address common client user roles and their likely access level needed.
  • Create and define new, customizable user groups based on specific control preferences and your organization’s needs.

Default User Groups

Rho has six pre-set user groups, which are available to use as defaults. These are Account Owner, Administrator, Budget Owner, Employee, Bookkeeper, and Investor. Each of these user groups has a unique package of permissions and pre-set controls to minimize set-up time.

See below for the six default user groups and their descriptions:

User group‍ Description
Account Owner This role should be assigned to the owner of the account at Rho, typically the CEO or CFO of a company. Account Owners have full access to the dashboard as far as creating and using Team Cards, creating wires/ACHs, viewing account balances, creating and viewing Budgets, accepting legal agreements, and adding new Team Members. This role, along with the Administrator, will have the default ability to accept any legal agreements on behalf of the client.
Administrator The Admin role in Rho is designed for individuals who require comprehensive access and control over the Rho dashboard, often assigned to a member of the company's executive or leadership team, such as the Director of Finance or CFO. Admins have full access to the dashboard, including the ability to create and use Team Cards, initiate wires/ACHs, view account balances, create and view budgets, accept legal agreements, and add new team members. This role, alongside the Account Owner, possesses the default ability to accept any legal agreements on behalf of the client. Overall, the Admin role is a high-level access role that allows for managing and overseeing the company's financial operations within Rho.
Budget Owner This role should be assigned to the manager of a team of employees but not an Administrator. Each Budget owner has the ability to view and manage Budgets that they are added to, and any team cards that are also added to that Budget. Here is more information about creating Budgets. Budget Owners can not create bills.
Employee This role should be assigned to any employee who should be given limited permissions, such as creating their own Rho cards. They are, however, unable to view account balances or Vendor history.
Bookkeeper This role should be assigned to the company’s accountant and is a ‘view all’ role with limited action permissions. Bookkeepers can view all balances and transactions but require approvals to send them.
Investor This role should be assigned to investors who need to review account finances directly. This role is predominantly 'view only’, however, investors can create transactions in the banking tab.

Edit Permissions of Default User Groups

While the Default User Groups have pre-set permissions, further customizations may be made to the Budget Owner, Employee, Bookkeeper, or Investor groups. Note that the Account Owner or Administrator is not editable.

In the User Management > Groups tab, from the list on the left hand of the screen, select the Group that you would like to make changes to. This will open a larger window with your selected Group’s details.

From here, click on the black Change Permissions button seen under the Permissions tab.

For an in-depth glossary of permission definitions, please reference our User Permissions Glossary.

Make your desired changes to the group permissions by using the on/off toggles.

Finally, save and submit your changes by clicking the Save Changes button, which replaced the Change Permissions button.

Create New User Groups

If you don’t want to use a pre-configured User Group, you can create a new group in the Groups tab.

Navigate to the User Management > Groups tab. In the upper right corner, click the Create Group button.

This will open a small window, where you will name your new Group and customize the controls and permissions.

In the Permissions section, all permissions will be toggled to the Off status as default. Flip the toggle to the On status to enable your users within this group to use the desired functionality.

For an in-depth glossary of permission definitions, please reference our User Permissions Glossary.

Finalize the creation of your new Group and submit your changes by clicking the Save button.

Duplicate User Groups

Existing User Groups (with the exception of Account Owner and Administrator) may be duplicated for your convenience. This includes customer Groups you have created, as well as most Default Groups.

First, navigate to the User Management > Groups tab. Once in this tab, select the Group that you would like to duplicate from the list of existing Groups on the left hand of the screen.

This will open a larger window with your selected Group’s details.

Click on the three dots at the top left corner, and select Duplicate Group from the drop-down.

This will pre-populate a new Group with the original Group’s permissions toggled to the respective On or Off statuses. The last step is to name your new group and add a description.

To finalize the creation of this new group, click the Save button to save and submit your changes.

Delete User Groups

First, navigate to the User Management > Groups tab. Once in this tab, select the Group that you would like to delete from the list of existing Groups on the left hand of the screen. This will open a larger window with your selected Group’s details.

Click on the three dots at the top left corner, and select Delete Group from the drop-down.

This will prompt a pop-up asking to confirm the deletion. Click the red Confirm Deletion button to complete the action. Note that once a Group is deleted, it cannot be restored.

How to Link an External Checking Account
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By linking your Rho account to an external business bank account, you can transfer money between them. Before you begin, please ensure the following:

  1. You are linking a business bank account, not a personal account, to your Rho account.
  2. The entity name on the account you are linking matches the entity name on your Rho account exactly.

To link an account, access the External Bank Accounts tab of the Organization Settings section.

Scroll down to the correct section on the page and click Instant Connect. Then click the Okay button to proceed.

From the Select Your Institution prompt, click the icon associated with your bank or enter the name of your bank in the Search field and select it.

The Enter your credentials or a Login page for the bank displays. Enter the username and password associated with the external account and click Submit. After you validate the transaction via two-step authentication, when configured, the external account is linked to your Rho account, and is listed in the Linked Accounts section.

Note: Incoming linked account transfers are limited to $150,000 per day. Outgoing transfers by default are limited to $150,000 per day, though larger amounts can be accommodated by speaking to our team. Linked-account transfers can take between 2 to 5 business days to settle.

Note: If you have multiple checking accounts under one Business, you will not be able to directly link a "sub-account" to an external account. All external accounts are linked to the Rho account as a whole (subs included). However, when going to "deposit funds" in your Banking tab using our linked account feature, you can choose which sub-account to send funds to and from which linked external account the funds will originate.

How to map AP transactions to your accounting software
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Setting up mappings

Once you’ve connected your accounting software to Rho, you’ll need to ensure you’ve selected the correct AP account that represents your Accounts Payables in your accounting software.

To do this, head to Accounting > Mapping Rules.

Ensure all relevant default accounts have been selected for the Rho solutions you’re using then scroll to the bottom, to Other Accounts > Rho Accounts Payable, and select the account in your accounting software that represents your AP account.

Note: Make sure to do this for all entities that will use the AP solution. You can toggle between entities/subsidiaries via the left-hand navigation, shown below.

How to Pay Your Credit Card Balance
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Pay with your Rho Checking Account:

The fastest and easiest way to pay down your current credit balance is to first ensure that your Rho Checking Account is funded. Here are step-by-step instructions on how to fund your account.

Once your checking account is funded, navigate to the Cards section in your Rho account.

From there, click the Pay Card Balance button to initiate a card repayment.

Pay with an External Bank Account:

If you haven't already, link your external bank account to your Rho account in Organization Settings. For detailed instructions, see How can I link a business account to my Rho account?

Once your external bank account is successfully linked, navigate to the Cards section in your Rho account.

From there, click the Pay Card Balance button and choose your external bank account from the dropdown to initiate a card repayment.

Please note that card repayments abide by ACH cut-off times. Repayments initiated prior to 2:00 pm ET should begin processing the same day. Any repayments initiated after 2:00 pm ET would be subject to next-day processing. Card repayments can take up to 4 business days to settle.

Automatic Repayments:

To avoid interruptions to your card activity, you can set up Automatic Card Payments to automatically pay down your balance once you reach a certain percentage of your allotted spend. Here are instructions on how to set that up.

At the end of your credit cycle, when your balance is due in full, your account designated for Rho card repayments will automatically be debited on your payment due date for the entire balance owed. Just ensure your account is funded for frictionless payments.

How to Manage Bills in Rho
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Create a Bill

In your Rho Dashboard, navigate to the Accounts Payable tab in the left-hand menu, then select the Bills section.

Click the Create Bill button, located above the bills table.

On the next screen, select an invoice to upload from your computer.

Once the invoice has been uploaded and parsed, review the details for any missing or incorrect information.

Fill in the Rho attributes and if desired, split the bill.

If you’d like to submit the bill, you can click the Send to Payments button.

Otherwise, you can leave the bill as a draft and return to the main Bills page by clicking the back arrow.

Send a Bill to payments

From table (single and bulk)

In your Rho Dashboard, navigate to the Accounts Payable tab in the left-hand menu, then select the Bills section.

On the line of whichever bill you would like to submit, click the three dots on the right hand side of the screen.

In the pop-up menu that appears, click Send to Payments.

To send multiple bills concurrently, click the empty boxes on the left side of the desired bills.

Once you have selected all your desired bills, click on the Send to Payments button to the top right of the bills table.

Split a Bill

In your Rho Dashboard, navigate to the Accounts Payable tab in the left-hand menu, then select the Bills section.

Click the View button next to the desired bill to open it.

In the Bill Details section, scroll down to the Accounting section and click the Edit Splits button to split the bill between two budgets. Note that you can also split the bill between other accounting attributes, not solely budgets.

If the bill has been created by the AP Inbox, the OCR will try to parse multiple line items from an invoice into Splits. Currently auto-splits cannot be turned off.

Fill in the details for your desired split.

When you have completed filling in the details, click the Save button at the bottom left hand side of the screen.

You can then proceed to Save and/or Send for Approval as normal.

Once you have done so, you can navigate back to the bill table and see the split displayed under the Budget section as seen below.




How to Pay your Rho Card from an External Bank Account
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Repaying your Rho Card balance is now more convenient with the ability to set up automatic repayments and make one-time repayments from your linked third-party account.

One-time repayments:

  • If you haven't already, link your external bank account to your Rho account in Organization Settings. For detailed instructions, see How can I link a business account to my Rho account?
  • Navigate to the Cards section.
  • Click Pay Credit Balance.
  • Select the desired account to complete a one-time repayment.

Please note that card repayments abide by ACH cut-off times. Repayments initiated prior to 2:00 pm ET should begin processing the same day. Any repayments initiated after 2:00 pm ET would be subject to next-day processing. Card repayments can take up to 4 business days to settle.

Automatic Repayments:

You can also set up Automatic Repayments by navigating to Organization Settings > Payment Security > Automatic Payments. Choose your desired parameters and select the funding account.

When finished, click Save to finalize changes.

How to Require Approval for Specific Transactions
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You are able to approve scheduled transactions created by your Team Members. With Rho, you can create Payment Settings for which Team Members can authorize payments, how many Team Member needs to approve a transaction, and transaction amounts that require approval.

You can configure your approval policy in the Organization Settings section.

From here, you can select an Approval Threshold (any transaction initiated over the entered amount will require approval). You can then select the number of users who will need to approve a transfer prior to it being sent (1, 2, 3, 4, 5), and which users are designated as "Approvers". For example, you can require 1 user to approve all transactions over $50, and it can be 1 of the 3 users that you designated as "approvers".

Once the transactions are initiated to be released, the Designated Approvers will receive emails to approve each transaction prior to the release of funds.

For more information about which roles have the ability to create transactions, see Roles & Permissions.

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Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks. Mastercard® and the circles design are trademarks of Mastercard International Incorporated. International and foreign currency payments services provided by Wise US., Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and is subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party.
Images used are for illustrative purposes only.
All rights reserved. © 2019-2024 Under Technologies, Inc. dba Rho Technologies. Rho is a trademark of Under Technologies, Inc.