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Rho Card FAQs

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:

  1. Locate the QR code from the card mailer.

  2. Scan the QR code with your mobile device.

  3. Follow the prompts to complete activation.

Activate in the Rho platform

  1. Log into your Rho account

  2. Go to Cards > select the pending card.

  3. Click Activate Card.

  4. 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.

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How to set up Rho's QuickBooks Integration

The following instructions describe how to set up a direct integration between your Rho Account and your existing QuickBooks Online account. If you're interested in connecting Rho transactions via the QuickBooks Bank Feed, see instructions here . Note: this integration is only compatible with QuickBooks Online. For QuickBooks Desktop, you can download a CSV of transactions from your Rho account via these steps and upload them to QB Desktop). Once you are signed into the Rho platform, click Integrations in the navigation bar. Click the QuickBooks icon. Follow the login instructions to connect to your QuickBooks account. When finished, click Accounting in the navigation bar. Select the transactions you want to sync. Click the Sync button. When you connect Quick Books to Rho, a new account is added to your CHART OF ACCOUNTS tab named RHO [Checking Acct#] , where [Checking Acct#] is the 10-digit account number associated with the linked Rho account. This is your primary account and is required for automatic account reconciliation. You can rename this account, but integration between your Rho account and Quickbooks will not work if the account is deleted. What information can I view in the Accounting Tab? Once you have connected QuickBooks to Rho, use the Accounting Tab in the Rho platform to manage mapping rules, view transactions, and make necessary changes. The Accounting Tab includes two subsections Dashboard and Mapping Rules. Learn more about what you can view in the Dashboard here and about what you see in the Mapping Rules here. Important Integration Notes Syncing with your QuickBooks account is a manual process. Each time you want to reconcile your Rho Account in QuickBooks, you must click the Sync button. However, you can set up automatic recurring syncs by going to the settings tab within your accounting workflow and setting a recurring sync.

General Rho Information

How Do I Contact Support?

Reach out to our dedicated Rho specialists anytime over the phone at 1 (855) 7-GETRHO, through email at clientservice@rho.co, or start a live chat by logging into your Rho account (web or app), clicking the Help button in the lower left, and selecting 24/7 live support.

Cards

How to Add Your Rho Card to your Digital Wallet

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

Mobile App

How to Upload a Receipt in the Mobile App

You can add receipts to all Rho Card transactions within the app ( in addition to desktop, email, and SMS uploads ). To add a receipt, open the Rho app and tap on the transaction requiring a receipt. In the Attachments section, click "Upload Receipt" and choose one of the following options: Select an image from your camera roll Take a photo of your receipt using your camera Select and upload a file Note: Be sure to include any applicable tip amount on your receipt. In the transaction details window, you can also add departments, labels, and notes to your transaction.