Help Center

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 . 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 monthly spending limits When you create a new Rho Card, you have the option to set a monthly spending limit. That means that any transaction that would exceed the monthly limit will be declined. Monthly card limits reset on the 1st of each month. The card limit can be changed in your Card Settings ( here's how ). Note : If you have a user limit, your card limit cannot exceed that amount. User limits are set by Admins and Account Owners. Learn more about user limits here . 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: the limit cant be changed once the card is created. To set a one-time usage limit for a virtual Rho Card, select Single-Use. Note: the limit cant 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 Rhos 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 Master Card Load (see example below). For monthly term card account-holders, Easy Savings rewards will appear in your credit account. For daily term card account-holders, 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 .

With your Rho cards, you will earn cashback on all eligible purchases, depending on your terms. For our Rho card with daily terms, cashback will be posted in one lump sum, typically on the 6th business day of the month, for card spend during the preceding month. For example, cashback you earn in June will typically be credited in one payment in the first week of July. All cashback payments will be credited to your Rho Rewards checking account. Additionally, for accounts on our daily term card program, there is no minimum spend needed to accrue cashback. 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. At this time, the Cashback Rewards Program will limit your eligibility to receive cashback rewards from the following merchants and merchant categories: 1. Walmart Inc., and its affiliates and subsidiaries; 2. Merchants that offer Utilities as a product or service and are designated as such based upon Mastercards Merchant Category Codes (Mastercard MCC Codes) 3. Merchants that offer money transfer services, digital payments, and/or quasi-cash and are designated as such based upon Master Card MCC Codes and 4. Transactions conducted or authorized in non-U.S. jurisdictionsAs part of the Mastercard World Elite Business program, Rho customers also earn cashback at participating merchants through Mastercard Easy Savings . To learn more see our Mastercard Easy Savings help article.

Rho offers a corporate card program with two distinct repayment options to meet your business's needs. Your account comes with a default Daily Terms plan, and you can also apply for a Monthly Terms option for greater flexibility. Daily Terms: Maximum Cashback By default, Rho clients can access up to cashback.default cashback on their spend with next-day repayment terms. This option is ideal for businesses that prioritize maximum cashback rewards and have the cash flow to support daily repayments. Monthly Terms: Greater Flexibility For businesses seeking more flexibility in their cash management, Rho provides a Monthly Terms option. This plan offers: 1% cashback on all domestic spend 30-day billing cycle + 1-day repayment period Automatic balance repayment at the end of the cycle, with an option to repay from your Rho checking account or an external account To qualify for the Monthly Terms corporate card program, businesses are required to maintain a minimum cash balance of $75,000. 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 dedicated department 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. It's important to note that all applications are subject to approval, and terms and conditions apply. Rho's team is available to assist with any questions or help in connecting external accounts for repayment purposes. By offering both Daily and Monthly Terms, Rho provides businesses with the flexibility to choose a repayment structure that best aligns with their cash flow needs and financial goals. Note: Rho does not pull any personal credit reports and, conversely, 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, 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.

The Rho Card gives businesses the ability to maximize Cashback Rewards , while maintaining total control over daily card spend. Advantages of the Card program include: Unlimited Virtual & Physical Cards Custom limits Lock/unlock/cancel instantly from anywhere Built-in Expense Management Features Auto-approval routing Receipt capture Custom spending limits Automated Transaction Coding and Budgeting The Rho App Track spend in real-time Important : As part of Rho's Card Program, your company receives a daily credit limit. The limit is determined based on a combination of your available checking balance as well as risk factors that vary by client. As your available checking balance varies over time, this limit is not a static limit over time. Learn more about the Rho checking account here . Keep reading to learn more about how the Card program works. Getting started To begin using your Card, please take the following steps: Fund your account (follow these steps to fund your account). Your daily limit is based on a combination of your available checking balance and various risk factors. As such, do ensure that you have sufficient available checking balance to support your companys intended spend. Create Rho cards to start spending. Viewing Card Transactions The Rho Cards Tab holds all itemized card activity. Your credit repayment transfers made from your Rho checking account can be seen in the Banking Tab. Payments Payments are automatically debited from your Rho checking account just after midnight EST for that days activity. Daily auto-repayment amounts are for the total amount of settled charges from the prior day For example: Monday's charge period begins at 12: 01 am EST Monday morning and lasts until midnight Monday night. The repayment for Monday's charges follows. Then Tuesday's charge period begins at 12: 01 am EST on Tuesday. Credit Dashboard Recent Activity After navigating to the Cards Tab, your Overview page displays the most recent activity of all of your Rho Cards including your credit balance dashboard. Current Balance : the sum of settled card transactions, minus repayments made. Pending Charges : a total sum of the charges that have been initiated but not yet settled (approved or denied) by the merchant, regardless of the day in which they were initiated. NOTE: Pending Charges are subtracted from your available credit. The sum of pending charges will carry over to your following spend period until the time the charges are settled by the merchant. Once the charges settle the funds will be accounted for in your Current Balance. Credit Payments The Card Repayments are separated in a tab under Cards → Transactions , next to recent activity. Here you will be able to view historical, in-progress, and upcoming repayments. This section includes drawers with full details such as credit release ETAs and reasons for delays, if any. Statements Accounts on our card program receive monthly summary card statements on the 5th of each month. For more information, see Viewing Statements. Rho Card charges can also be downloaded to CSVs in addition to Rho Card statements that will populate in your Rho Documents Tab. If you have any questions regarding your terms, please contact our team via chat or email at clientservice@rho.co.

We are excited to introduce a new feature in partnership with Sunlight, a third-party vendor, that allows users to seamlessly switch their card details on external platforms to their Rho card. This article will walk you through how this feature works. Important note: This feature will become available to all clients in the upcoming weeks. Traditionally, clients who wish to switch their software subscription payments to their Rho card have had to log in to each platform individually and manually update their payment details. With our new feature, users with the Manage Subscriptions permission can change subscriptions directly within the Rho platform. This permission is enabled by default for Account Owners, Admins, and Budget Owners. Users simply select the provider, input their username and password, and change the card automatically. How can I use this feature? To utilize this feature, follow these steps: Navigate to the Cards Tab : Log into your Rho account and go to the Cards tab. Access Switch Subscriptions : Click on the Switch Subscriptions feature. Initiate Card Switch: Click on the Switch to Rho card option. Select the Rho card you wish to use and the vendor you want to update. Authenticate with Sunlight: You will be redirected to the Sunlight widget. Log in using your vendor credentials. Automatic Card Update: Once logged in, the system will automatically attempt to update the card on file. Confirmation : If successful, the vendor will be listed as updated in the table, and future payments will be processed through your Rho card. FAQs What happens if it fails? Users can attempt the process again if the card switch fails or times out. Sunlight has a high success rate, so retrying is recommended. What if the vendor is not listed? Sunlight supports over 200 vendors and is continually expanding its list. Can this change be reversed? No, the integration does not support reversing the change. However, you can simply make another attempt by clicking retry on that vendor in the table.

To update your card settings, navigate to Cards Tab > All Cards > My Cards in the Rho dashboard. Once you locate the card you want to update, click on the card to open more details. Once in the new tab, click the Configure Card button in the upper right corner of the screen, and you will be able to view the card settings. The Card Configuration window allows you to change the settings of your Rho Card, such as: The card name The card limit The permitted spending categories Edit the desired settings (listed below) and click Save Changes when finished Card Nickname: When the card is initially created, the Card Nickname is automatically populated with the first and last name of the user assigned to the card. Card Limit (optional): The maximum amount of money, in USD, that can be charged to the card, depending on the Limit Type. Merchant Controls Spending & Receipt Upload Notifications . See more here . Card Usage Dates International Spend Restrictions Note : By default, your Rho cards are tied to your primary Rho Checking Account. If you have sub-accounts, the spend is tied to the primary account, and this can’t be changed.

If you need to share your Rho Virtual Card details with someone, there's a secure way to do so within the Rho platform. Sharing your card details through this secure channel reduces the risk of your card information getting compromised. In the Cards tab, select the card you wish to share. Click on the three dots ( ⋯ ), then Share card. Enter your recipient's email & note, then click Send. The recipient will receive an email with a secure link to the card details. The recipient can access the card details only once. If the link is not opened, it will automatically expire after 72 hours. Here’s an example of the email your recipient will receive:

What is a card feed integration? A card feed integration is a data connection that allows Rho Card transaction data to flow into third-party travel and expense management software. Since Rho Cards run on the Mastercard network, they can easily connect to your T&E software via Mastercard Smart Data. How do I set up a card feed integration for my Rho Cards? Reach out to clientservice@rho.co if you would like to set up a card feed integration and connect your Rho Cards to your expense management platform. Our team will confirm whether your T&E software is compatible with Mastercard Smart Data. If it is, youll have to reach out to your T&E software to let them know that Rho will start sending data to them. Rho will provide you with a Delivery ID that needs to be shared with your T&E software in order to configure the feed on their end. Our team will confirm with you once Rhos feed is live. It takes 3 to 5 business days for Rho to set up your feed. What data is shared? Cardholder name Last 4 digits of the card number Purchase date Purchase amount Merchant name Merchant category What data is not shared? Only transaction data is sent via Mastercard at the time of purchase. We do not send any other data that you share with Rho. How frequently do transactions sync? 1 time per day, Monday - Saturday after 5 PM EST

Automatic Card Payments enable continuous card spending by ensuring you always have sufficient credit limit headroom. You can customize your limit threshold and payment amount to suit your needs. Set Up Automatic Payments To set up automatic card payments, click on Settings on the bottom left side of your Rho dashboard. Only Account Owners and Administrators are able to configure Automatic Card Payments. In the Settings tab, click on the Credit Information tab, then scroll until you see the section for Automatic payments . Click on Change and the payment criteria will appear below. Customize Your Credit Limit Threshold First, you must customize your credit limit threshold. This percentage reflects the card balance value that triggers Rho to automatically create a payment. This allows you to continue spending as you approach your limit. The default is 95%. You can set a threshold between 1 and 99%. For example, using the default 95% , if your credit limit is $100,000, once your credit balance is over $95,000, this will trigger Rho to automatically create an interim payment via an ACH Pull. Customize Your Payment Amount Next, customize your payment amount. This is calculated as a percentage of your total credit limit. The default is 5%. You can set a payment amount between 1 and 99%. For example, using the default 5% - if your credit limit is $100,000, once your credit balance has exceeded $95,000 (per the above example), Rho will automatically make an interim payment of $5,000 via ACH Pull. This card payment of $5,000 will be applied to your card balance in order to enable continuous spending. Select Your Payment Account Source Finally, you must select the account from which you would like the interim payment to be automatically paid. An automatic ACH pull will occur for the preset % amount once the threshold is hit. Available accounts include: Your Rho checking account Your linked account at a third-party financial institution For more information about linking an external account, see How can I link a business account to my Rho account? Note: Automatic payments are credited to your Rho Card account when received to enable uninterrupted card spending for accounts in good standing. The Rho Card payment isn't complete until after the payment settlements and the ACH reversal window has closed.

You can set up company-wide merchant restrictions, meaning all Rho Card spend across your organization will be declined at the merchant(s) you restrict. To set up, click on Settings at the bottom left of your Rho Dashboard: From there, navigate to Security and select Card Restrictions . Click Change to update your preferences. You can restrict an unlimited number of merchant categories (e.g., Advertising Services, Airlines, Grocery Stores) and up to 20 specific merchants. Once saved, all Rho Card transactions will be declined at these specific merchants or merchants that fall into the categories you choose.

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 Settings . For detailed instructions, see How can I link a business account to my Rho account? Navigate to the Cards section > Transactions . 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 Settings > Business > Credit Information. Choose your desired parameters and select the funding account. When finished, click Save to finalize changes.

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.

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 All Cards sub-tab and select the desired card. In the Card expansion page, click the three dots ( ⋯) , then select Lock Card from the dropdown menu. A confirmation window will display asking you to confirm your change. Click the Lock Card button to finish. Once a card has been locked, it will be inactivated and displayed in the Inactive Cards section of the All Cards page. Any attempted transactions on a locked card will be automatically declined until the card is returned to its Active state. To unlock a card, follow the same steps, but click Unlock Card in the Actions menu. On the confirmation window display, Unlock Card, and you'll then be able to use your card.

You can change the spending limit on existing cards within the Cards tab in the Rho dashboard. In the All Cards tab, select the card you wish to edit. Click the Configure Card button in the upper right corner to adjust your spending limit. From the Card Configuration 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 . The Rho Card with Daily Terms Note: Card spending is based on the available balance in your Rho Checking account. While user and card limits control how much a card can spend, transactions will only be successful if there are sufficient funds available in Checking. Changing a user or card limit does not increase your available balance. The Rho Card with Monthly Terms Note: Card spending is based on your overall account credit limit. While you can adjust individual card limits, transactions will only be successful if sufficient credit is available within your total credit limit. Changing a card or user limit does not increase your total available credit. 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.

Users in the Admin, Employee, and Budget Owner default roles—as well as any custom roles with the Manage Team Card Permissions setting enabled—can assign permitted spending categories to an existing Rho card. To do this, go to Cards > All Cards and select the desired card. On the card details page, click on the Configure Card button. Scroll to the Spend Controls section and toggle it on, then select the Categories tab. Then, choose the categories you want to allow from the dropdown list. For example, you can select Airlines, Air Carriers and Airports, and Flying Fields to restrict the card to air travel expenses only. Click Save at the bottom of the form when you have finished editing the settings.

You can easily download a CSV detailing card transactions from your Rho dashboard. To export transactions across all cards, go to Cards > Transactions , scroll to the transactions table, and click Export on the right side of the screen. To export transactions for a specific card, go to Cards > All Cards , select the card, and click Export CSV from 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. If you’d like to export a CSV of the transactions that make up your card repayment, download the file and remove the positive transactions, as these represent credits to your credit limit. Then, sum the remaining negative transactions (debits) to calculate the repayment amount.

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 24/7 via: Email : clientservice@rho.co Phone : +1 (855) 743-8746 Chat in your Rho dashboard 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

Create a card You can create a new Rho Card with a few simple steps, by navigating to your Cards Tab > All 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 Name: Personalize your card by choosing the name you would like displayed. 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. 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: This feature is enabled by default, which means the card can be used outside the U.S. To disable it, simply toggle it to "Off" and click "Save." 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 Fed Ex within 2-3 business days. In case it takes longer, please reach out to our Client Service to request the tracking number. Rho can ship physical cards internationally. Follow the same card creation flow, and enter an international shipping address. Activate a Rho card For security purposes, Rho cards must be activated before use. Activate using the QR code Physical cards can only be activated by scanning the unique QR code included with the card mailer. Locate the QR code included in the card package. Scan the QR code using your device. Follow the prompts to confirm and activate the card. Activate by logging into Rho directly Cards can also be activated directly in the Rho platform. Simply log in, navigate to Cards , select the card, click Activate card , confirm activation. 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.

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 All 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_use Department 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.

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.

Attach receipts as you spend to keep your books clean and avoid manual work later. You can submit receipts using any of the methods below. Ways to submit receipts You can attach receipts in a few ways — choose what fits your workflow. Method How it works Matching Text (SMS) Send receipt photos to the Rho short code – 555746 Automatically matched Email Forward receipts to receipts@rho.co Automatically matched Reply to the transaction alert notification Reply to a transaction email, SMS, or push notification with your receipt. Matched to that transaction Mobile app Upload from your phone in the Rho app You select the transaction Desktop app Upload within the dashboard You select the transaction You can submit multiple receipts at once. Rho automatically matches each receipt to the correct transaction. Text (SMS) Send a photo of your receipt to 555746 (Rho short code). Rho matches it to the correct transaction and sends a confirmation text. You can send multiple receipts in one message. Note : A U.S. or Canada-based mobile number is required. Standard messaging rates apply. Email Forward receipts to receipts@rho.co. Rho automatically matches each receipt to the correct transaction. This works well for online purchases where receipts are emailed. Reply to a transaction notification When notifications are enabled, Rho sends a text or email after each approved card transaction. Reply directly to the notification with a photo or PDF of your receipt to attach it to that transaction. To enable notifications: Go to Cards Select My cards Choose your card Select Configure Card Turn on notifications On the mobile app, navigate to “More” on an individual card’s detail page to enable notifications. Mobile app Open the Rho mobile app: Go to your transactions Select a transaction to attach a receipt. Take a photo or upload from your camera roll. Desktop app In the Rho dashboard: Go to the Transactions tab Select a transaction Upload a file in the transaction details panel Supported file types: PDF, JPG, PNG. View receipts Transactions with receipts show a paperclip icon on the transactions table. Select a transaction to view the receipt in the transaction details panel. Troubleshooting If you reply to a notification for a transaction that already has a receipt, Rho returns an error. To replace a receipt, open the transaction in the desktop app and upload a new file in the transaction details panel. Make sure any tip amount is included on the receipt before submitting.

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 > All Cards, selecting the desired charge from the table and updating the Department field. Through the Reporting Tab To assign a card to a department, go to Reporting > Departments, select the desired department, and click + Add cards. Then, choose the card you want to assign. To learn how to create departments, see Create a New Department .

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.

Your virtual & physical Rho cards can now be added to your Apple or Google Wallet for a quick, contactless, and secure way to pay. Note: Currently, we don't support adding Rho cards to WeChat. Set up is simple - follow the steps below to get started: Apple Wallet Go to your Wallet app and click the + button in the right-hand corner. Select the Card Type “Credit”. Hold your Rho physical card's chip near your device or place it directly on the screen. For a virtual card, choose the “Enter Card Details Manually” option to add your card. Verify your card details are correct and enter your 3-digit CVV security code. You should notice the "Card Added" confirmation after a few moments. 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. 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. 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 Select your Rho Card via the Apple Wallet app. Double-click the right-hand button on the side of your iPhone when a near contactless point-of-sale terminal. Verify your identity using Face ID or your Passcode. You will now be prompted to hold your phone near the contactless reader. 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: Open your Google Pay (GPay) app on your Android device and click the image of a card in the right-hand corner. 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. Select the Payment Method “Credit or debit card.” 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. 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. Review Rho’s Terms & Conditions and click “Accept & continue.” For your added security, you may be asked to verify your Rho Card account via two-factor authentication by “Text Message” or “Email.” After you receive your six-digit verification code by text or email, enter it and click Submit. 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

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 usually settle within 24 hours. However, if initiated before 1 pm EST, they should settle on the same day. This applies only to business days, as transfers are not processed over the weekend. 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 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. To activate an inactive physical Rho card: Activate with the QR code Physical cards can only be activated by scanning the unique QR code included in your card mailer. This ensures secure, card-specific verification. To activate: Locate the QR code from the card mailer. Scan the QR code with your mobile device. Follow the prompts to complete activation. Activate in the Rho platform Log into your Rho account Go to Cards > select the pending card. Click Activate Card . Confirm activation to enable usage. 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 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? Rho Cards are set to be used internationally by default, so to disable international spending, navigate to the Advanced Controls section of your Card Settings and toggle off the International Spend function. Please note that Rho Cards does not charge foreign transaction fees, 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? By default, the name on the Rho Card is the first and last name of the user assigned to the card. While the cardholder's name cannot be changed without updating the profile name, you do have the option to change the card's nickname. To update the nickname, simply navigate to Cards > My Cards, select the card you wish to modify, 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 youre 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 Rhos 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 Master Card) For any questions or assistance, you can email clientservice@rho.co .

This article provides detailed information on what happens when a Rho card expires and the steps involved in the renewal process. Card Expiration Expiration Timeline : Both physical and virtual cards remain active throughout the entire month of their expiration date. For example, if a card's expiration date is August 5th, it will remain active until the end of August and will only truly expire and be canceled on the first of the following month. Automatic Reissuance : Once a card expires, it is automatically canceled, and a replacement card is issued. For physical cards, the reissued card will be shipped to the same address as the original card. The new physical card will be sent out before the expiration date, ensuring that you have a replacement card ready to use without any interruption in service. Managing Expired Cards Recurring Subscriptions : Recurring subscriptions linked to an expiring card will be automatically transferred to the newly issued card. However, if a merchant does not support automatic transfer, the subscription will need to be manually added to the new card. Important Notes New Card Number : The new card will have a new card number. Card numbers are unique to each card, and therefore, any new cards will have a different number. Unfortunately, card numbers cannot be transferred. Updating Shipping Address : If you wish to update the shipping address for a physical card, please reach out to Customer Service as soon as you receive the email notification about the card's reissuance. Notifications : Clients will receive emails before their cards expire to help them prepare.