What is Dual Approval
Dual Approval (also known as “maker–checker”) is a new control in the Zepto Merchant UI that requires two distinct users to be involved before certain payments can be sent. One user initiates the payment, and a separate user approves it, reducing the risk of errors or unauthorised activity.
How to enable Dual Approval
To Enable Dual Approval, please contact the Support Team by emailing support@zepto.com.au or reaching out through our portal.
Once the Support Team has confirmed that dual approval is enabled for your account, you can follow the below steps to enable dual approval for your organisation:
Go to Settings → Approval configuration
Enable the Approval Required toggle
Adding or removing a user as a payment approver
Users can be assigned a Payment Approver capability to approve requests. To grant this to a team member, please:
Go to Settings → Approval configuration
Click on the Add User To Approvers List button
Select the user you want to make an approver from the drop down → Confirm
A Payment Approver user can be removed by using the Remove button from the list of Approvers.
Note: Account owners can grant and remove approver access, but cannot approve their own payment requests. The maker and checker must always be a different user.
Initiating a payment or transfer with dual approval enabled
The experience of initiation a payment or transfer is largely the same. The change that may be noted when a payment, transfer or batch is initiated:
A submit for approval is the initial action available
Once submitted for approval, rather than processing immediately or at a later scheduled time, the payment is placed in a Pending Approval state
View and manage payments for approval
All payments in an Pending Approval state can be viewed and managed on the Approval Request page, accessed via the sidebar menu.
Approving or rejecting a payment for processing
All users with the Payment Approver capability can see pending requests in the Approval Requests page. To approve a payment:
Select the pending request to view the full payment details
Choose Approve
a. The payment is created and begins processing immediatelyb. The request is marked as Approved
Choose Reject
a. Optionally add a note explaining the reasonb. No funds are moved and the request is marked as Rejected
Note: A payment request cannot be approved by the user initiating the payment. Once a payment approval request is submitted, only a different user with the Payment Approver capability are able to approve the request.
What happens if something changes between submission and approval?
The system re-validates the request at approval time. If something has changed, for example, a bank account was closed, or funds are no longer available, the approval will fail with an error message and a reason behind the error. In these scenarios, a Payment Approver can:
Cancel the request if the issue cannot be resolved
Wait for the issue to be resolved and retry approval
Request expiry
Approval requests cannot be approved more than 48 hours after submission. Trying to approve a request that is 48 hours or older will result in a failure and will need to be re-submitted.