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Why Did My Payment Fail, Stall, or Get Canceled?

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The most common cause of a failed or returned payment is an error in the payment itself — the wrong vendor, an outdated account or routing number, or the wrong amount.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 (AP 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.

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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 QuickBooks 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?

When you contact Rho support, you reach a real human — 24/7, on every account, at no cost. No phone trees, no paywalled support tiers. Phone: 1 (855) 743-8746 — that's 1-855-7-GETRHO Email: clientservice@rho.co Live chat: log in to Rho (web or mobile app), click Help in the lower left, and select 24/7 live support Every channel is staffed around the clock, every day of the year.

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 near a 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.