Set up dual authorisation for business payments
Requiring a second person to approve payments stops both fraud and honest mistakes. It’s one of the highest-value controls a small business can switch on.
- Ask your bank to enable dual authorisation (a second approver) on your business accounts.
- Set a sensible threshold so larger payments and new payees always need two people.
- Make sure the approver actually checks the payee, not just rubber-stamps the request.
- Keep the creator and the approver as different people — never the same login.
- Review who holds approval rights whenever staff join or leave.
- Test the workflow once so everyone knows how an approval comes through.
Still stuck after those?
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