Maker-Checker Approval

Bulk Disbursement uses a Maker-Checker approval process to ensure that transfer requests are reviewed and authorized before execution.

This process helps merchants maintain control over fund transfers and reduces the risk of unauthorized or incorrect payments.

User Roles

Team	Dashboard Role	Responsibility
Operations	Maker	Prepares and uploads the bulk transfer file, creates the transfer request, and submits it for approval.
Finance	Checker	Reviews the submitted transfer details and approves or rejects the request.

Maker and Checker roles must be assigned to authorized users based on the merchant's user access configuration. Team assignments may vary depending on the merchant's organization.

Approval Process

Maker Creates a Request
The Maker uploads the beneficiary file and submits the bulk transfer request.
Beneficiary Validation
Ayoconnect performs the applicable beneficiary account validation checks.
Checker Reviews the Request
The Checker reviews the transfer details, including beneficiary information, individual amounts, and the total transfer value.
Checker Makes a Decision
The Checker approves or rejects the submitted request.
Transfer Execution
Approved transfer requests proceed to processing, while rejected requests will not be executed.

Important Notes

Uploading a bulk transfer file does not automatically initiate fund transfers.
Only authorized Checkers can approve transfer requests.
Rejected requests must be reviewed and corrected by the Maker before resubmission.
Approval does not guarantee that every individual transfer will succeed.
Merchants should monitor the final transaction status of each transfer after approval.