Payment Authorisation Groups works by:
1. Adding your online banking users into groups of authorisers (Group A, Group B, Group C etc…)
2. You can then decide which Payment Authorisation Groups need to authorise a payment based on the payment amount. Payment Authorisation Groups can be assigned to a tiers using AND or OR rules.
- AND rules mean authorisation is needed from another group(s) For example: Group A + Group B
- OR rules allow for different groups / rules to be involved in the same tier. For example Group A + Group A or Group B
Payment Authorisation Groups:
Group A: User 1, User 2, User 3
Group B: User 4, User 5, User 6
Group C: User 7, User 8
Group D: User 9, User 10, User 11
Payment Authorisation Tiers and Rules:
Tier 1: £0 - £50,000 = Group A
Tier 2: £50,000 - £100,000 = Group A + Group B
Tier 3: £100,000 - £500,000 = Group C + Group C Or Group C + Group D
Tier 4: £100,000 - £1,000,000 = Group D + Group D + Group D
- Tier 1 requires 1 user from Group A for a payment to be fully authorised. (Single authorisation).
- Tier 2 requires 1 user from Group A and 1 user from Group B for a payment to be fully authorised (Dual Authorisation). The authorisations are not sequential. The user in Group B could authorise before the user in Group A.
- Tier 3 requires 2 users from Group C OR 1 user from Group C and 1 user from group D for a payment to be fully authorised (Dual Authorisation). This must be 2 different users from Group C.
- Tier 4 requires 3 users from Group D for a payment to be fully authorised. (Triple Authorisation) The payment must be authorised by 3 different users from Group D.