Payment approval software for Kenyan banks, NGOs and enterprises.
Who approved it, when, and what was paid — on one record.
Supplier invoices, petty cash and cashbook payments each move through the approval chain your policy sets, escalate automatically when an approver sits on them, and pay out over M-Pesa only on final approval. The request, its documents, every decision, the payment reference and the ledger posting stay together.
Payment authorisation controls, mapped to the system.
Internal audit, external auditors and donors ask the same questions of every payment: was it authorised by the right person, was the authority separated from payment, and can you show the evidence? Each control maps to a capability of the expense management system.
Apply the delegated authority in your approval policy
Chains such as Head of Department, Finance Reviewer and CFO are resolved per department and request type, with an amount threshold deciding how requests are split.
Maker-checker: the requester is not the approver
Submitter, Approver, Finance Reviewer, CFO and Admin are distinct roles with their own queues, and every user signs in through Microsoft Entra ID.
Approvals within agreed timelines
Durable orchestration watches every pending approval and escalates overdue items to the next approver on its own, recording the escalation.
Pay only what was approved
M-Pesa B2B supplier payments and B2C reimbursements are started from the approved request, and the callback writes the status and reference back to it.
Supporting documents kept with the decision
Every invoice, receipt and contract is stored in SharePoint Online and linked to the request, from capture through to audit.
Books that match what was approved and paid
Approved items post to Dynamics 365 Business Central over OData with their documents linked, so the ledger is written from the same record.
This maps software capability to common finance controls; it is not audit or tax advice. Integrations beyond M-Pesa and Business Central are confirmed per organisation during scoping.
For organisations that must show who authorised every payment.
Payment approval software earns its place where a missing signature becomes an audit finding. These are the organisations we build it for.
Internal expense and supplier payments under delegated authority and maker-checker, with evidence examiners and auditors accept.
Programme payments approved by the right budget holder and traceable to documents for donor audits.
Office payments and disbursements authorised and documented before money leaves.
Different chains per department and request type, one audit trail across the organisation.
Guides for Kenyan finance teams.
Frequently asked questions.
What is payment approval software?
Payment approval (or payment authorisation) software routes every payment request to the people your policy says must approve it, records each decision, and releases payment only after final approval. Creodata's expense management system does this for supplier invoices, petty cash and cashbook payments, and pays out over M-Pesa.
Does it support maker-checker and delegated authority?
Yes. Requesters, approvers, finance reviewers, the CFO and administrators are separate roles with their own queues, and approval chains are resolved by department, request type and amount, so each payment reaches the authority your policy sets.
What happens when an approver does not respond?
Each pending approval has an SLA. When it passes, durable orchestration escalates the request to the next approver automatically and writes the escalation to the audit trail, so nobody has to chase it.
Is it for customer transactions in a bank?
No. It governs an organisation's own payments: supplier invoices, petty cash, reimbursements and cashbook payments. Customer transactions stay in core banking.
Which payment rails and ERPs does it support?
M-Pesa B2B for supplier payments and B2C for reimbursements are built in, and approved items post to Microsoft Dynamics 365 Business Central. For other rails or ERPs, we confirm the integration path during scoping.
How much does payment approval software cost in Kenya?
We quote per organisation, based on users and entities, request types, approval chains and integrations. Compare vendors on a three-year total cost on the same basis.
See a payment move from request to approved, paid and posted.
Your approval matrix and your request types, in a live demo of the expense management system.