EKO / For finance teams, CFOs and business owners
How to automate payment request approvals
Replace approval chats with a route that has required data, owners and clear statuses. Automation can prepare requests and check rules; the payment decision remains with an authorised person.
A process design approach, not a ready-made product or a delivered client case.
Why approvals get stuck in chats
Requests may omit a contract, expense category or deadline. An approver is absent, no substitute is assigned and the initiator resends the request. Persistence starts to determine priorities. First define required fields and decision rules.
What a payment request contains
Discuss the counterparty, basis, amount, currency, due date, project or department, expense category and supporting document. Fields depend on your accounting model. A stable request identifier helps prevent a repeated message from becoming a repeated payment.
Designing the approval route
Rules choose the next approver by expense type, amount or department. Define returns, rejection, substitutes and changes to previously approved details. Record who decided and when; material changes may require approval again.
Connecting requests, budgets and payment planning
Where data is available, a request can be checked against a limit and approved obligations passed to a payment plan. Cash availability and budget limits are different checks. Forecast completeness depends on source coverage; automation cannot guarantee the absence of a cash shortfall.
Limiting AI permissions
An agent may extract document details, draft a comment or summarise pending requests. Duplicate and threshold checks are better specified as rules. Signing, approval and payment execution are not delegated to the agent by default. Define access and checkpoints before the pilot.
What a pilot should test
Choose one expense type and a limited request sample. Test the normal route, exceeded limits, duplicates, missing documents, absent approvers and changed amounts. Compare approval time, returns and the proportion of requests with a clear status.
Common questions
Can we keep our accounting system?
Yes, if suitable data exchange or API access is available. The audit checks integration feasibility and responsibilities.
Will a robot send payments to the bank?
The proposed approach keeps payment decisions and permissions with a person. Bank integration is a separate discussion, not a ready-made feature promised by this website.
Moscow and other Russian cities
Our priority is small and medium-sized businesses in Moscow. Other target cities include Saint Petersburg, Novosibirsk, Yekaterinburg, Kazan, Nizhny Novgorod, Krasnoyarsk, Chelyabinsk, Samara, Ufa, Rostov-on-Don, Omsk, Krasnodar, Voronezh, Perm and Volgograd. Feasibility, delivery format and any on-site assessment are agreed for each task. This list does not imply offices in those cities.
Let’s examine your process
Describe your source systems, manual steps and desired result. Scope, timing and cost are agreed after the audit.
Discuss your project ↗