Overview

Dual Approval is a Maker–Checker control in the Zepto UI that requires two distinct users to authorise a payment before it is sent. The Maker initiates the payment; the Checker reviews and approves it. This reduces the risk of errors, unauthorised transactions, and single points of failure in your payment operations.

This guide covers enabling the feature, managing approvers, initiating payments, and handling approval requests.

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

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How It Works

Role Permissions

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

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Enable Dual Approval

1. Log into your Zepto Portal as the account Owner
2. Navigate to Settings in the side menu
3. Click Approval Configuration
4. Toggle Approval Required to On

Add Approvers (i.e. Checkers)

1. Navigate to the Approval Configuration page, click Add User to Approvers List
2. Select the user(s) you wish to add as approver(s)
3. Click Confirm

Removing Approvers

1. Navigate to the Approval Configuration page
2. Click the Remove action next to the user you wish to revoke Approver permissions from

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The Maker

The experience for initiating payments by the Maker is largely unchanged. When dual approval is enabled, the authorised Maker (i.e. the user initiating the payment) can submit a payment from the UI as normal. However, instead of processing immediately, the payment is placed in a Pending Approval state.

Manage Pending Requests

The Maker can view and manage their pending requests from the Approval Requests page as shown below:

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

Cancel a Pending Payment Request

Change of mind or found an error? The Maker can cancel a request at any time before it has been approved:

1. Navigate to the Approval Requests page
2. Find the pending payment request and select Cancel

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The Checker

If the Checker has the Payment Approver capability, this part of the flow is new. When a Maker submits a payment for review, the Checker will receive an email notification and has 48 hours to review and either approve or reject the request.

Manage Pending Requests

The Checker can view and manage their pending requests from the Approval Requests page:

1. Navigate to the Approval Requests page
2. Select a pending request to view the full details (amount, recipient, bank account, etc.)
3. Choose Approve or Reject