Employee 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. Once the card arrives, the package will include a QR Code. Scan the QR code with your mobile device, enter your card details (as printed on the actual card) and this will activate your card.

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 My 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?

By default, Rho Cards cannot be used internationally, so to enable international spend, navigate to the Advanced Controls section of your Card Settings and toggle on the International Spend function.

Without this, cards will only be approved for domestic transactions.

Note, there are no foreign transaction fees on Rho Cards, 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?

Yes. By default, the name associated with the Rho Card is the first and last name of the user who was assigned the card. To change the cardholder name, navigate to Cards > My Cards, then select your desired card, 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 you’re 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 Rho’s 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 MasterCard)

How do I activate an inactive card?

To activate an inactive Rho card, log in to your Rho account and reach out to your client service team via our live chat.

A member of our team will then verify your identity before reactivating a card. You can also email clientservice@rho.co.

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Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party.
The Rho Corporate Card is issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard.
Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC-insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services provided through Apex Clearing Corp. ("Apex") and Interactive Brokers LLC ("Interactive"), registered broker dealers and members FINRA/SIPC. Interactive rates may vary from Apex rate shown above. For additional information about investment management and advisory services provided by Rho Treasury, please refer to Rho Treasury’s ADV-2A Wrap Fee Brochure.
             
This material presented is for informational purposes only and should not be construed as legal, tax, accounting or investment advice. Under no circumstances should any of this material be used for or considered as an offer to sell or a solicitation of any offer to buy an interest in any securities. Any analysis or discussion of financial planning matters, investments, sectors or the market generally are based on current information, including from public sources, that we consider reliable, but we do not represent that any research or the information provided is accurate or complete, and it should not be relied on as such. Our views and opinions are current at the time of publication and are subject to change. You should consult with your attorney or relevant professional advisor for advice particular to your personal or business situation.
                  
Rho Treasury is not insured by the FDIC. Rho Treasury are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, and are not guaranteed by Webster Bank N.A., or American Deposit Management Co.’s partner banks. Rho Treasury products are subject to investment risks, including possible loss of the principal invested.
*This reflects the sought net yield based on 90-day Treasury Bill rates as of [DATE] and an annual fee which ranges from 0.15% for deposits of $20M or more to 0.6% (the maximum annual fee) for deposits under $2M. Individual results may vary depending on the actual investment date and investment products selected. Past performance is not a guarantee of future performance results. The yield is variable and fluctuates without prior notice. The rate shown is net of fees. The amount of Treasury Bills available at a particular yield will depend upon the sellers’ offer size; any remaining cash balance after the purchase may not earn the same yield.
© 2019-2024 Under Technologies, Inc. DBA Rho Technologies. Rho is a trademark of Under Technologies, Inc.

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Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.