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Most declines come from one of two places: not enough spending power behind the card, or a card control working as designed. Work through these checks in order — the first two explain the majority of declines. Do you have enough spending power behind the card? Card limits control how much a card may spend, but they don't create spending power. Raising a card or user limit never increases what's actually available. Rho Card with Daily Terms: spending is based on the available balance in your Rho Checking account. If Checking can't cover the purchase, the transaction declines — even if the card's limit is higher. Rho Card with Monthly Terms: spending is based on your overall account credit limit. Transactions succeed only if sufficient credit remains within your total credit limit. Did the transaction exceed a card limit? If a card has a recurring limit, any transaction that would exceed it is declined. Daily limits reset every day, weekly limits every week, monthly limits on the 1st of each month, and annual limits once a year. Two limit types behave differently. A Fixed card automatically locks once its transactions fully settle, so later charges decline. A Single-Use card's limit can't be changed after creation. To check or change a limit, open the Cards tab, select the card, and click Configure Card . Adjust the Card Limit , then click Save Changes . A limit of "0" means the card has no spending cap. Is a merchant or category control blocking it? A card can be restricted to a group of up to 20 distinct merchants (as of 08/02/2026), or to specific merchant categories set by Mastercard. Transactions anywhere else decline. Admins can also set company-wide restrictions under Settings > Security > Card Restrictions — an unlimited number of categories and up to 20 specific merchants, declined across every card in the organization. Separately, some categories are always restricted for legal or fraud-prevention reasons (for example, betting, cannabis, and quasi-cash), and some merchants decline charges when the shipping address doesn't match the card's billing address. You can set a different billing address per card. Is International Spend turned off? International spending is enabled on all Rho Cards by default. If it was toggled off, every transaction outside the US declines. Re-enable it under Advanced Controls in your Card Settings by toggling on International Spend . Is the card outside its usage dates? Cards can be set with custom active dates, so they only work between the specified days. Transactions decline starting on the end date itself, so check the card's usage dates if a previously working card stops. Is the card locked or expired? Any transaction attempted on a locked card is automatically declined until the card is returned to its Active state. To unlock, go to All Cards , select the card, click the three dots (⋯), and choose Unlock Card . Expired cards are canceled and automatically reissued. Cards stay active through the entire month of their expiration date and are canceled on the 1st of the following month. The replacement has a new card number, so update any subscription a merchant didn't transfer automatically. Was the transaction flagged as suspicious? If you've opted into SMS fraud alerts, a suspicious transaction is automatically declined and you receive a text asking you to confirm it. Reply YES and the block is lifted so you can re-attempt the purchase. Reply NO and the card is canceled to prevent further fraud. Opt in from your user profile under User settings > Notifications , using a cell phone number. What if none of these apply? Contact Rho support, available 24/7: call 1 (855) 743-8746, start an in-app chat, or email clientservice@rho.co.

Rho offers more than just employee cards—you can also set up dedicated Vendor Cards. These cards are designed specifically for vendor payments, making it simple to keep your business spend organized. Creating a Vendor Card You can create Vendor Cards individually or in bulk, depending on your needs, with just a few clicks: From the Cards Tab Navigate to the Cards Tab from the navigation. Select Create Card, then choose Vendor Card. On the setup screen: Select your Vendor : Select an existing vendor from the list, or type a new name to create one automatically when the card is created. Configure Settings : Adjust International spend (ON by default), and optional spend controls like merchant restrictions and usage date s. Click Create Card , and you will see a confirmation that your card has been created. From the Vendors Tab In addition to creating vendor cards through the Cards tab, you can now create a single-use vendor card directly from the vendor creation flow: Navigate to Vendors > Click Add Vendor Complete the vendor details as needed Under the Payment Account dropdown, select Single-use vendor card Finish creating the vendor Once selected, a single-use vendor card will be automatically created and linked to that vendor. Note: When creating a card through the Cards flow, you can choose between different card limit types. However, when creating a card through the Vendor creation flow, you are limited to a single-use vendor card only. Bulk Create Vendor Cards via CSV Need to issue multiple Vendor Cards at once? You can do so quickly by uploading a CSV file. When you upload your CSV: Rho will automatically create the corresponding Vendor Cards . If a listed vendor does not already exist, Rho will automatically create the vendor as part of the process. To get started, navigate to the Cards Tab , select Create New Card → Bulk Create Cards to upload your CSV file. Note : Vendor cards are currently a web-only feature, so they won’t appear in the mobile app. At present, the mobile app will display only cards of the users on the account, and new cards can only be created for those same users. Completing Setup On the confirmation page, you have a few options: Return to your Cards dashboard or View the Card Switch subscription Share card details via email (defaults to the cardholder, but you can change to the desired email address) Upon selecting the “Switch subscription” option, Rho will automatically match it to a subscription carrying the same name as the Vendor card. Managing Vendor Cards All your Vendor Cards appear under the Vendor Cards tab within the main Cards dashboard. From here, you can: View card status and transaction history Adjust card settings Manage card sharing and controls Deleting Users or Vendors If the user who created a Vendor Card is removed, you will be prompted to delete the card. Similarly, if a Vendor profile is deleted, all linked Vendor Cards will be canceled.

This page lists all of the spending, credit, and transaction details about the selected Rho Card and is displayed when you select a specific Rho Card from the All Cards tab. Card Configuration To edit the settings for the card, click the Card Configuration button. For more information about Card Settings, see Updating your Card Settings . Unlock, Lock or Cancel a Card From the Card Details page you can activate or deactivate your Rho Card using the Unlock/Lock Card feature. To activate a Rho Card that is currently inactive, click the three dots ( ⋯) and select Unlock Card . The Rho Card is now listed as Active and can be used for transactions. To deactivate a Rho Card that is currently active, click the three dots (⋯) and select Lock Card . The Rho Card is now listed as Locked , and can no longer be used for transactions. To cancel your Rho Card, click the three dots (⋯) and select Cancel Card . The Rho Card is canceled, and can no longer be used for transactions. If you're canceling a virtual card, you will have an option to cancel and transfer your card subscriptions to a new Rho card. Note: Once you've canceled your Rho Card, it cannot be reactivated. View Card Details Cardholder Name: The name is associated with the Rho Card. Billing Address: The address and zip code to enter on your card purchases. Card Type: Whether the Rho Card is a physical card or a virtual card. CVV (only for virtual cards): The card verification value (CVV) for your Rho Card. Expiration Date (only for virtual cards): The date when the Rho Card is scheduled to expire. Card Number (full number only for virtual cards): The full Rho Card number that is entered for all transactions. Transactions The Card Details page includes a table that displays the most recent transactions for your Rho Card. To view all transactions for the table, click the View All button.

The All Cards page displays a list of all active, inactive, and canceled Rho Cards that have been issued for any member of your business. This page can only be viewed by users with an Admin or Bookkeeper role. The All Cards page features a customizable table that can be altered to display specific values or card information categories. To view details for a specific Rho card, select the card from the table to open its Card Details page. For more information, see Understanding the Card Details page . Managing expiring cards On the All Cards page, select the Expiring cards tile to view cards eligible for replacement. Open a card to update its shipping address during the eligibility window. You can update the address multiple times before the replacement is sent, and optionally save it for future replacement cards for that cardholder. Table Actions Filter Click the Filter icon to display the values you can filter for. Click your desired value and enter the relevant type or name you would like to view. Columns Click the Columns icon to create a New View . In the pop-up window, you can select which fields you’d like to display—such as Cardholder, Total Spend, or Card Limit. Once created, this view will add customized columns to your Cards page for easier navigation. You can switch to this view at any time. Search To search for a specific card name, click the Search field and enter the desired search term. Note: By default, when a Rho Card is created, the Card Name is the first and last name of the user who is assigned the card. Bulk Select Bulk select cards by clicking the box on the far left of your desired card line. Once cards are selected, click the Add to a Department button in the left corner to assign them to a specific Department. My Cards tab On the My Cards tab, the following details are viewable, either from the table or from Card Details : Card Name: The name of the card. By default, the card name is your user name. To change the card name, see Can I change the name on my Rho Card? Last 4: The last four digits of the card. Status: The current status of the card ( Active , Inactive , or Cancelled ). Department: The department assigned to the Rho Card. To change the department assigned to the card, see How to Assign a Card to a Department . Spend Account: The checking account assigned to the card. All transactions using the card are paired with this account. Currently, cards can only pair with funds from the Rho Primary Checking account for your organization only. Card Type: Lists whether the Rho Card is a physical card or a virtual card. Spend Limit: The maximum amount of money that can be spent using the Rho Card, if specified. Period Spend: The amount of money spent using the Rho Card during the current period.

All Rho Cards can be set up with custom controls to prevent fraudulent, out-of-policy, or unexpected spending before it happens. Here are the controls you can set up for your Rho Cards: Set spending limits When you create a new Rho Card, you have the option to choose between a No Limit , a Recurring Limit , Fixed , and Single-use . If you choose a recurring limit, any transaction that would exceed the set cadence limit will be declined. The Monthly card limits reset on the 1st of each month etc. You can change the card limit in your Card Settings ( here's how ). Note : To set a one-time limit for a virtual Rho Card, select Fixed in the Card Limit Type field. This means that the card can only be used up to a certain dollar amount. When transactions on a fixed limit card have fully settled, the card will automatically lock to help prevent additional spend. To set a one-time usage limit for a virtual Rho Card, select Single-Use . The limit can't be changed once the card is created. Billing and shipping address By default, billing addresses for Rho Cards are set to your organization's billing address. However, you can set a different billing address for each Rho Card. For the majority of cases, using your organization’s billing address on file won’t cause any issues. However, some merchants may decline card transactions when the shipping address doesn’t match the billing address. To avoid these declines, you can add a different billing address to your card. Merchant-level controls Merchant-specific controls : You can limit a card's acceptance to a group of up to 20 distinct merchants. This means the card will only be accepted at those merchants, and transactions at merchants not on that list will be declined. Merchant category controls : You can limit a card's acceptance to specific merchant categories (ex. Advertising Services, Airlines, Grocery Stores), which are set by Mastercard, the network partner for Rho Cards. You can also set merchant-level controls at the company level. See more here . International Spend By default, all Rho Cards have international spending enabled, meaning the card will go through for all transactions outside of the US. This can be toggled off and on at any time. Fixed spending limits To set a one-time limit for a virtual Rho Card, select Fixed in the Card Limit Type field. This means that the card can only be used up to a certain dollar amount. Note: When transactions on a fixed limit card have fully settled, the card will automatically lock to help prevent additional spend. To set a one-time usage limit for a virtual Rho Card, select Single-Use. Note: The limit can't be changed once the card is created. Card Usage Dates You can set up custom active dates for your card, meaning that it can only be used between specified days. Note : By default, all Rho cards expire 3 years from issue date. Accounting Automation You can configure accounting automation settings for physical cards to help streamline reconciliation and categorization of transactions. To learn how to edit your card controls, read on here .

What are Mastercard Easy Savings? As part of the Mastercard World Elite Business program, Rho customers earn cash-back at participating merchants through Mastercard Easy Savings . This is on top of Rho's cashback rewards. Through Mastercard Easy Savings, you'll automatically receive cash-back on qualifying advertising, technology, travel and entertainment purchases. Participating merchants include Avis, Budget, Dropbox, Squarespace, and Snapchat. Youll also earn 4% back at more than 20,000 restaurants across the country such as Chopt and hotels including Days Inn and Holiday Inn. Cash-back rates range from 1% to 25%. There is no annual limit on Easy Savings rebates though some limits may apply at individual merchants' discretion. How will the cash-back appear in my account? Cash-back will be credited to your account by Mastercard 1-5 business days after your purchase settles, from Mastercard Load (see example below). For Rho Card with Monthly Terms accounts, Easy Savings rewards will appear in your credit account. For Rho Card with Daily Terms accounts, rewards will be credited to your card balance. Note : Rho does not provide rental car insurance and other specific benefits directly. However, they may be available through Mastercard. To see if your card includes this protection, visit the Mastercard benefits site or go to MyCardBenefits.com and enter your card number to view available benefits. To see the latest cashback offers, please visit Mastercard Easy Savings .

You earn Cashback on all eligible purchases with your Rho Cards. When it pays out depends on your card terms: Rho Card with Daily Terms: Cashback posts as one payment, typically on the 6th business day of the month, for the previous month's spend. There's no minimum spend to accrue Cashback. Rho Card with Monthly Terms: Cashback deposits typically 6 business days after you pay your statement balance in full. All Cashback is credited to your Rho Rewards checking account. Which purchases don't earn Cashback? Purchases from these categories aren't eligible: (1) Walmart Inc. and its affiliates and subsidiaries; (2) utilities merchants, per Mastercard Merchant Category Codes (MCCs); (3) money transfer, digital payment, and quasi-cash merchants, per Mastercard MCCs; and (4) transactions made or authorized outside the U.S. As part of the Mastercard World Elite Business program, Rho customers also earn additional Cashback at participating merchants through Mastercard Easy Savings — see Understanding Mastercard Easy Savings .

Rho offers two repayment structures for the Rho Card. Every account starts on Daily Terms, and you can apply for Monthly Terms for more flexibility. Rho Card with Daily Terms: maximum Cashback Spend is repaid the next day from your Rho Checking balance, and you earn Rho's highest Cashback rate. Best for businesses that want maximum Cashback and have the cash flow for daily repayment. Rho Card with Monthly Terms: greater flexibility For businesses seeking more flexibility in their cash management, Monthly Terms offers: A 30-day billing cycle with a 1-day repayment period Automatic balance repayment at the end of the cycle, from your Rho Checking account or an external account Cashback on eligible spend — see the current Rewards Terms for rates To qualify for the Monthly Terms program, businesses are required to maintain a minimum cash balance of $25,000. How to apply for Monthly Terms You can apply through the Rho platform: Go to your Cards tab from the navigation bar. Select the Credit Information tab. Start the application process. Upon submission, Rho's team will review the application. The approved credit limit is personalized based on the business's financial health and other relevant factors. Additional considerations As part of the application process, Rho may request read-only access to the business's primary bank accounts. This allows Rho to gather relevant information about banking activity outside of the Rho platform. All applications are subject to approval, and terms and conditions apply. Rho does not pull any personal credit reports and does not report business card activity to personal credit reports. We report to the credit bureaus on the entity (business) side at our discretion. Rho Card with Monthly Terms is issued by Webster Bank, a division of Santander Bank, N.A., Member FDIC. Accounts subject to credit approval and minimum balance requirement. Restrictions and limitations apply. For more information about Rho Cashback, view the latest Rewards Terms. Offer subject to change.