This tutorial describes the end-to-end workflow for submitting a payment for approval as a maker, and reviewing and approving that payment as a checker.
The payment approvals feature must be enabled for your account before you can use it. Contact your Ripple Payments account manager to enable this feature.
As a maker, you create a payment and submit it for review. The payment is not sent until a checker approves it.
Select the Payments tab.
Select Create payment > Individual.
Complete all payment details. For step-by-step instructions on filling out the payment form, see Send a single payment.
In the Review section, review the quote and all payment details. If everything looks correct, select Submit for approval.
A confirmation message appears and you are taken to the Approval log tab. Your payment appears with a status of Pending.
No payment is processed at this stage. The payment is only executed once a checker approves the request.
If you need to cancel the request before a checker acts on it, select the payment in the Approval log and select Cancel. The approval status changes to Cancelled.
As a checker, you review pending payment requests submitted by makers and decide whether to approve or reject them.
You can reach pending approvals in two ways:
- From the Home page: If payments are waiting for your review, the approvals card shows the number of pending requests. Select Review to go directly to the Approval log tab.
- From the Payments tab: Select the Payments tab, then select the Approval log tab.
In the Approval log tab, locate the payment with Pending status and select Review.
The approval review panel opens with the full payment details, including the sending and receiving amounts, beneficiary information, originator details, and a live countdown showing how much time remains before the quote expires.
ImportantIf the quote expires before you take action, the approval request expires automatically. Once expired, the payment cannot be approved, rejected, or cancelled and the maker must create a new payment.
Review all payment details carefully before taking action.
If the payment details are correct and the payment should proceed:
Select Approve and send.
The payment is sent for processing. The approval status changes to Approved and the payment appears in the Payments list. The approval review panel displays a link to the payment record.
If there is a problem with the payment and it should not proceed:
Select Reject.
In the Reject payment dialog, select one or more reasons for the rejection:
- Incorrect information
- Cost (FX + fees)
- Purpose of transaction not defined
- Duplicate payment
- Other reason — if selected, enter a brief description in the text field (50 characters maximum)
Select Reject payment to confirm.
The approval status changes to Rejected. The maker can view the rejection reason by selecting the payment in the Approval log.
The maker can resubmit a rejected payment by creating a new payment and selecting Submit for approval again.