What is maker-checker approval?

Maker-checker is a two-person approval workflow: the person who creates a payment request (the maker) cannot be the same person who approves and releases it (the checker). Financiar enforces this server-side for all payouts above your configured threshold.

Is expense management available in all countries?

Yes. Budget management, expense capture, and approval workflows are available in all 20+ Financiar launch countries — Nigeria, Ghana, Rwanda, South Africa, the US, UK, Canada, and 13 EU/EEA countries.

Available in all 20+ launch countries

Spend control & expense management for global teams

Budgets, expense capture, and maker-checker approvals — so money only leaves with the right sign-off, and your finance team always has the full picture.

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Approval workflows · Budget tracking · Audit export

Budget overview — June 2026

Export

Engineering & Tools $4,200 / $6,000

Marketing & Ads $9,100 / $10,000

Operations $1,800 / $5,000

Expense pending approval

SaaS renewal · Submitted by Amara K.

$840.00

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Reject

Core capabilities

One system for every spend decision

From the budget you set to the receipt your team submits, every step is connected — with an approval gate between intent and payment.

Budget management

Set budgets by department, project, or cost centre. See live spend vs. budget in real time — finance teams get a single view, no spreadsheet consolidation required.

Expense capture

Team members submit expenses with categories, receipts, and notes. Everything is attached to the transaction — no chasing paper receipts at month end.

Maker-checker approvals

Every payout above your configured threshold requires a second authoriser. The approver sees the full context — amount, recipient, expense category, and supporting notes — before signing off.

Platform integration

Connected to every Financiar feature

Expense management is not a separate module — it is integrated with virtual cards, payroll, and cross-border payouts from the same dashboard.

Virtual cards

Card spend hits the expense ledger automatically — no manual entry. Per-card limits double as budget caps.

Payroll

Payroll runs pass through the same approval workflow as all other payouts. No separate approval chain to manage.

Cross-border payouts

Supplier payouts require the same maker-checker approval regardless of destination — Africa, US, UK, or EU.

Audit export

Export the full transaction and approval log for your accountant, auditor, or board — one file, not multiple bank exports.

Available in all 20+ launch countries

Budget management, expense capture, and spend control are region-agnostic — the same features whether your business is based in Lagos, London, or Los Angeles.

Nigeria Ghana Rwanda South Africa United States United Kingdom Canada EU / EEA (13 countries)

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Control your team's spend from one account

No setup fee. Available in Africa, North America, and Europe.

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