How can we help today?

Your payment is being screened, not lost. Every international payment passes through compliance checks that Rho and its payment partners are required by law to run — including sanctions and anti-money-laundering (AML) screening under U.S. regulations such as those administered by the Office of Foreign Assets Control (OFAC). Your funds remain with the payment until the review resolves: they are released, returned, or (in rare cases) the payment is declined. We know a paused payment is stressful, and this article explains exactly what happens next. What is a payment review? A review is a verification step, not an accusation. Before an international payment is released, it is screened against sanctions lists and AML rules. Screening happens per payment. A reviewer may need to confirm details about your business, your beneficiary, or the purpose of the transfer before the payment can move. Why was this payment flagged? Common triggers include: A first payment to a new country, currency corridor, or beneficiary Business-address verification — periodic re-confirmation of your operating address An expired document on file, such as proof of address or ownership records Corridor-specific checks — some countries and currencies carry extra screening requirements (see Restricted Countries and International Payment Types ) Because screening is per-payment, a transfer that has gone through many times before can still be selected for review. That is normal, even though it can feel arbitrary. What will I be asked to provide? Requests typically include: Proof of your current operating address An invoice, contract, or similar document supporting the payment's purpose Confirmation of beneficiary details Respond through the same channel that made the request, and send exactly what was asked for — complete, current, and legible. If a document you already provided is requested again, resend it; reviews sometimes require fresh copies, and resubmitting quickly is the fastest path to release. How long will the review take? Most reviews clear within a few business days, but some take longer — we can't promise a specific timeline, because release depends on the review being completed. The fastest thing you can do is respond to any document request promptly and completely. What can Rho support do? Rho support is a real human, 24/7, by phone, in-app chat, or SMS — call 1 (855) 7-GETRHO. We can check the status of your payment, follow up on the review, and escalate when it's urgent. What we can't do is skip or override a compliance requirement — those checks are mandatory for Rho and its payment partners. What are my options while I wait? Cancellation: if the payment hasn't been released yet, cancellation may be possible — see How to Cancel, Reverse or Dispute a Bank Transfer , or contact support. A different corridor: if your vendor accepts USD, an international USD wire travels a different path than a foreign-currency transfer and may be an alternative for future payments. How can I prevent reviews on future payments? Keep your operating address and business documents current in Settings Expect verification on your first payment to any new country or beneficiary, and have an invoice ready Check Which Countries and Currencies Are Supported before paying a new corridor

Most failed or stalled payments trace back to one of seven causes: incorrect recipient bank details, a return by the recipient's bank, a missed scheduled-payment release, insufficient funds, compliance review on an international payment, an uncashed or undeliverable check, or an unsupported destination. Find your cause below, then follow the fix. Did I enter the wrong recipient bank details? What happened: The most common cause of a failed or returned payment is an error in the payment itself — the wrong vendor, an outdated account or routing number, or the wrong amount. What to do: Verify the account and routing numbers directly with your vendor, then re-initiate the payment. If you catch the error within 30 minutes, open the payment and select Cancel Transaction in Transaction Details . Did the recipient's bank reject or return it? What happened: Even with correct details, the beneficiary bank can reject or return a payment. Recalls, reversals, and disputes depend on the recipient bank's cooperation and are never guaranteed. Domestic wires that fail and are returned to your Rho account incur a fee of around $20–$45, deducted from your account (as of 08/02/2026). What to do: Confirm details with your recipient, then re-initiate. If funds haven't returned, contact Client Services to investigate. Why didn't my scheduled payment go out? What happened: Scheduled payments release at approximately 4 am ET on their due date. Three things stop a release: Same-day scheduling. A payment scheduled on its own due date will not send. It shows as overdue in your Scheduled Payments tab and does not retry the next business day. Missing approval. Payments requiring approval must be approved before 4 am ET on the due date, or they will not release. Weekend dates (Bill Pay bills only). Bills with a Saturday or Sunday payment date will not send and appear as overdue. What to do: To pay today, use Make a Payment and choose Send Now . Otherwise, reschedule the payment for a future business day and approve it before 4 am ET. Did I have enough funds? What happened: A payment initiated without sufficient available funds will not complete. What to do: Fund the account, then re-initiate the payment. Is my international payment under review? What happened: All international payments go through standard compliance checks, which can add time. Payments to recipients in certain restricted industries may be rejected or face additional screening. What to do: Allow extra settlement time, and review Restricted Countries and International Payment Types before resending. Contact Client Services if the delay exceeds the expected settlement window. What happened to my check? What happened: Checks uncashed after 90 calendar days are voided automatically. Checks sent to a bad address are returned to the business address Rho has on file. What to do: To see uncashed checks, open the all activity page on the banking dashboard and filter transaction status to Pending . If a check was voided or returned, confirm the recipient's address and reissue. Is the destination supported? What happened: Domestic and international wires cannot be sent to PO Box addresses — BSA regulations require a physical beneficiary address. Payments to certain countries and currencies are not supported at all. What to do: For PO Box recipients, use a physical address, ACH, or a check. Check Restricted Countries and International Payment Types before sending internationally. How do I check a payment's status or cancel it? Open the payment and review its status in Transaction Details . Cancellation windows by rail: All payments: 30 minutes after initiation, before release. ACH: cannot cancel while Pending ; recall generally possible within 2 business days after settlement. Domestic wires: cannot be canceled once Pending and typically cannot be reversed. International wires: cancellation can be attempted — most effective the same business day. Recalls are free; successful recalls can take up to 4 weeks to return funds. How do I reach support? Client Services is available 24/7: call +1 (855) 743-8746, use live chat, or email clientservice@rho.co. Have the payment amount, date, and transaction ID or trace number ready.

Countries you can send a Global FX Transfer to with Rho Rho partners with banks to offer businesses the ability to make transactions worldwide in over 200 countries and territories. Rho is able to accept most transactions and offers global banking for recipients in all countries that are permitted by U.S. law and are not otherwise prohibited or ineligible. 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). For example, OFAC prohibits and restricts transactions with certain countries. Rho is committed to remaining compliant with its affiliates and applicable regulations. Please see our full list of RESTRICTED regions/countries here . Currencies supported by Rho Currency Name Currency Australian Dollar AUD Canadian Dollar CAD Bulgarian Lev BGN Swiss Franc CHF Czech Koruna CZK Danish Krone DKK Egyptian Pound EGP Euro EUR British Pound GBP (SWIFT payments currently unsupported) Georgian Lari GEL Hungarian Forint HUF Indian Rupee INR Japanese Yen JPY Norwegian Krone NOK Polish Złoty PLN Romanian Leu RON Serbia RSD Swedish Krona SEK United States Dollar USD Colombian Pesos COP Israeli Shekel ILS Pakistani Rupee PKR (payments to businesses currently unsupported)

When scheduling one-time or recurring payments, it's important to note that once scheduled payments reach their due date, they are sent out at approximately 4am EST that day. We release scheduled payments early to ensure that all scheduled domestic wires and ACHs meet the same-day cut-off time, and are settled by that evening. This means you cannot schedule a payment on the same day you plan to release it. (For example, if you are scheduling a payment on January 2nd to be released on January 2nd the payment will not go out). If you do accidentally schedule a payment on the same day it needs to go out, it will not be released, nor will it default to the next business day automatically. Instead, that payment will be marked as overdue in your Scheduled Payments Tab. To send a payment in real-time you will need to select the black and green Make A Payment button in your banking tab. On the transaction details page of that payment, be sure to select the "Send Now" option (vs Send Later). This also means that any scheduled payments that need approval, must be approved prior to 4am EST on their due date, or the payment will not be released. For scheduled payments that are from Bill Pay bills only: Please make sure the Payment Date is set as a business day (Monday-Friday). Any payment dates set for weekend days (Saturday or Sunday) will not be sent, and be reflected as "overdue" in your Payments Tab.

What happens when I write a check through Rho? When you cut a check through Rho, funds are set aside immediately after you send the payments in the banking account. We do this to ensure that there are sufficient funds every time a check is cashed. Funds do not leave your checking account until Rho receives notice that the check has been cashed by the recipient. What happens to checks that don't clear the bank? Checks that do not clear the recipient bank will eventually be voided after 90 calendar days. Does Rho remove or cancel the checks that are outstanding after a certain amount of time? Any check that has not been cashed in 90 calendar days will be voided automatically. Can I see a list of checks that haven't cleared yet? You can see checks that have not cleared by going to the all activity page on the banking dashboard and filtering status of transaction to Pending. Any checks in pending have not been cashed. If the address we have on the check is no good, where does the check get returned? The check gets returned back to your business address that we have on file. Check flow when a check is successfully cashed Check flow when your vendor does not cash your check

Rho allows you to effortlessly move money from any linked external account right into your Rho checking account. You can choose between an instant transfer or schedule one for a later time, as well as set the transfers to be recurring transactions. Rho processes these transactions as ACH transfers, keeping your financial activities swift and seamless. Settlement Time: Linked Account transfers can take 3-5 business days to settle. For more information about linking an external account, see How to connect to an external bank account. To transfer funds, click the Banking icon from the Rho toolbar, then select the desired account on the left side of the page. Click the Move Funds button in the upper-right corner of the screen, choose the Deposit option, and click on Use Linked Accounts . Specify the deposit information, and then click Continue . How much would you like to transfer?: Enter the amount of money to be transferred from the linked account to your Rho account in US Dollars. Transfer From: Click the drop-down list to select the linked account that the money is transferred from. Transfer To: Click the drop-down list to select the Rho account that the money will be deposited into. How often?: 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 When should it go through? By default, the money is scheduled to be transferred immediately (Now). To specify a later date, click Later and then specify the desired date. All immediate transfers are displayed on the Banking tab in the transactions table, and all scheduled transfers will be displayed under the Scheduled Transfers tab in Banking. Note : If you schedule a recurring transfer using the How often? field, Rho 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 scheduled date of 01/01/2024, then the first recurring transfer will occur on 02/01/2024. Confirm Transfer Details: A confirmation page displays, click Confirm Transfer if the information is correct. Note : If your external account requests specific numbers to whitelist when initiating a pull, please contact our Client Services (clientservice@rho.co) for the exact codes required to unblock within your external bank and ensure successful processing. 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.

These are the daily payment limitations: Domestic Wires: Outgoing wires are limited to $90 million per day. Larger wires can be accommodated, as long as they are communicated to us in advance. For more information about sending money via wire transfer, see Transferring money to vendor via domestic wire . International Wires: Outgoing International wires are limited to $2.5mm per day. Incoming international wires can be accommodated up to $10 million per day. For more information, see Transferring money to vendor via international wire . ACH Transfers: Incoming ACH transfers (Pull) to and from your Rho Account are limited to $20 million per day, with a $10 million per transaction limit. Outgoing ACH transfers (Push) are limited to $20 million a day in aggregate. Larger ACH transfers can be accommodated, as long as they are communicated to us in advance. For more information about sending money via ACH, see Transferring money using an ACH transfer . Linked External Accounts: Incoming and outgoing linked-account transfers are limited to $5 million per transaction, though larger amounts can be accommodated by speaking to our team. Linked-account transfers can take up to 5 business days to settle. Transferring money from a linked account to Rho . Remote Check Deposits : No limit, but please note that check deposits take 6-7 business days to clear. Check deposits in excess of $15,000.00 in one business day may be subject to additional screening and delays in settlement. For more information see How to Deposit a Check . If your business needs to send a transfer for a larger sum, please contact your Rho Specialist at 855-7-GETRHO or clientservice@rho.co and they will assist you in amending your controls. Limitations are placed on transactional activities for the protection of our clients and Rho.

Can I send bulk transfers from my Rho account? Bulk payments is a new payment workflow that allows you to bulk draft, review, schedule, and send payments by importing a Rho CSV template into the Rho platform. Payment types supported by the workflow: Checks ACH Wires (Domestic accounts only) Single-use virtual Rho cards securely shared via email Each line-item in the CSV will create one payment, there is no merging of multiple payment line items into one payment. How do I view a list of all past transfers? In your Rho dashboard, navigate to the Banking tab > All Recent Activity > View All. Can I link Rho to PayPal? Yes, you can. To link a business PayPal account to Rho, first log in to PayPal. Find the 'Pay & Get Paid' tab. Then, select 'Banks & Cards' and 'Link a New Bank.' Under the list of banks to connect, you will need to type in any mix of letters (eg. abcdefghi) in the search bar in order to prompt the option 'Don't see your bank here?'. Once you see that option, click that to enter your Rho routing and account number details. When connecting your Rho account, double-check that the name of the entity on your PayPal account explicitly matches the name of the entity on your Rho account. Micro-deposits will be used to link your account. The Micro deposits should appear in your Rho account from PayPal within 2-3 business days. Once they arrive, you can log back into PayPal to confirm the amounts you received. Your connection will then be active. What Are the Differences Between ACHs and Domestic Wires? While ACHs and Domestic Wires are both domestic payments, there are a few differences between these types of payments: 1. They run on different networks An ACH transfer (a.k.a. direct deposit) is a method of sending funds from one bank to another using the Automated Clearing House (ACH) network. To process an ACH transfer, a request is made from the payor's bank account. Then, funds are sent via the ACH network to the recipient's bank. The Automated Clearing House network is a network of financial institutions, including banks and credit unions, that are batching transactions between them, guided by the rule-making organization, Nacha . ACH is a US-only network, thus not available for vendors outside the United States. Wire transfers are electronic interbank payments used to transfer funds directly from one entity's bank account to another's. Wire instructions include the bank account number and ABA bank routing number for the vendor receiving the money. Wire transfers are individual requests, while ACH transfers are handled in batches. For example, employee payroll checks are often directly deposited using ACH transfers. 2. Banks may have different routing numbers to accept ACHs or wires As these are two different types of payments, many banks have different routing numbers reserved for receiving ACHs, separate from the routing number they use to receive wires. Before sending a payment, be sure to check that the routing number you have for the recipient bank accepts ACHs, wires, or both. 3. Fees While Rho does not charge for sending and receiving ACHs or wires, other banks may have sending/receiving fees for these transfers. In general, at other banks, ACH transactions are lower-cost than wire transfers. 4. Settlement times Each financial institution sets its cutoff time policy for sending same-business-day bank wires. With wire payments, funds are immediately available within 24 hours of arriving in the vendor's bank account. At Rho, wires sent prior to 4:45 p.m. EST will arrive same-day. Wires sent after 4:45 p.m. EST will land the next business day. ACHs sent before 2 p.m. EST will land the same day. ACHs sent after 2 p.m. EST will land within 1-3 business days. 5. Ability to recall or dispute a payment ACHs are much easier to recall or dispute. Once funds have been wired, because of the immediacy, recalling erroneous transactions is much more difficult. Conclusion: Wire transfers and ACH transfers serve different needs. Wire transfers are best when speed and certainty are critical. ACH payments are good for small, frequent payments. As long as everybody involved trusts each other, its cost-effective to use this automated system. Common examples of ACH payments include: Direct deposit of employee pay or benefits from Social Security Automatic monthly bill payments to utilities, lenders, and other service providers Moving money between your accounts at different banks Automatic contributions to retirement accounts or education savings accounts Some merchants and organizations also like ACH transfers for one-off payments to avoid their bank's recipient wire fees. Can I connect my Rho account into a third party? Yes, connecting your Rho account to third-party services is supported via the Plaid integration or through Mastercard's Data Connection product, Finicity. Additionally, if you use a third-party app built on Stripe Financial Connections (such as Stripe payment processing, payouts, or payroll tools like Central), you can now connect that app directly to your Rho bank account! Rho is supported within Stripe Financial Connections, so no workarounds are required. Simply connect your Rho account when prompted within the third-party app.