🏦 100% free · no login · works on mobile

Free Payment Approval Workflow (Maker–Checker)

Before money goes out, every payment is raised by one person, checked by another and approved by an owner. Each request moves Requested → Checked → Approved → Paid, or Rejected, and the CSV is your audit log.

QUICK ANSWERMaker–checker means the person who raises a payment cannot also approve it. Log each request with requester, payee, amount, purpose and due date; a checker verifies bills, an approver signs off, and only then is it paid. This prevents duplicate, inflated or unauthorised payments.

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Want this synced, automatic and collecting payments?

Same workflow in a free FastFee account, on every device and for your whole team
Automatic WhatsApp reminders before and after due dates
Payment links, UPI and AutoPay with auto receipts and live “paid” status

Start free with OTP signup →Mobile OTP verification. No card required.

What you get free in the Payment Approval Workflow (Maker–Checker)

✅ Requester-wise summary
✅ Requested → Checked → Approved → Paid
✅ Reject stage
✅ Due date alerts
✅ CSV audit log

Free alternative to spend management tools

Tool	What it costs	What you get free here
FastFee Payment Approval Workflow (Maker–Checker)	₹0, no limits	Requester-wise summary · Requested → Checked → Approved → Paid · Reject stage
Spend management software	Per-user monthly pricing	Approval tracker, free

Prices are approximate starting prices seen on public pricing pages and app listings in 2026 and change often; check each provider for current plans. Product names belong to their owners. FastFee is not affiliated with them. Paid tools often include features this free tool does not, such as accounting, GST filing or multi-user sync.

How to use the Payment Approval Workflow (Maker–Checker)

STEP 1
Add your business details
Enter your business name and UPI ID once. They are used in every reminder and receipt.
STEP 2
Add requests
Add one at a time, paste a list from Excel or Google Sheets, or try the sample data first.
STEP 3
Track and update
Record full or part payments; balance, status and ageing update instantly.
STEP 4
Remind and export
Tap Remind to open WhatsApp with the message filled in. Export CSV or print anytime.

Frequently asked questions

Who should approve payments?

Set limits: for example a manager approves up to ₹25,000 and the owner above it. Write the approver in the note so the log shows who signed off.

Is this tool free? Do I need to sign up?

Yes, it is completely free with no login and no limit on entries. Signing up for a free FastFee account is optional and adds sync across devices, team access, automatic reminders and online payment collection.

Where is my data stored?

Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.

More free vendor, refund & cash flow tools

Refund Tracker →Log refund requests with reason, amount and owner; move them Requested → Approved → Refunded and notify customers.Security Deposit Tracker →Deposits held from tenants, students or customers, deductions and refunds, with due-for-refund alerts.Vendor Payment Tracker (Payables) →Supplier bills with due dates, part payments, ageing and an upcoming payments list so you never miss a due date.Vendor Invoice Approval Tracker →Incoming vendor invoices verified against PO and receipt, approved, scheduled and paid, or put on hold.Commission Payout Tracker →Agent, broker or referral commissions on each deal: commission due, payouts made, balance per agent.PO Payment Tracker →Payments against purchase orders: advance, on delivery and final, with PO value, paid and balance per PO.Recurring Expense & Renewal Tracker →Software subscriptions, rent, insurance, domains and AMCs: next renewal dates, monthly and yearly cost.Cash Flow Calendar & Forecast →Today’s balance plus expected money in and out, repeating weekly or monthly, projected day by day with low-balance alerts.

Other free business tool categories

🏫 School Staff Tools →Free staff salary sheet with payslips and a staff attendance register for schools, coaching and colleges.🧾 Billing & Invoicing →GST invoices, quotations, purchase orders, delivery challans, receipts and job cards, all free and unlimited.🏪 Shop Billing & POS →Browser POS with exact-amount UPI QR, small-shop billing with stock, daily sales closing and expense P&L.📒 Udhaar, Receivables & Collections →Digital khata, outstanding tracker, payment reminders, promise-to-pay, credit limits, dealer ageing and customer statements.🔁 Subscriptions & Memberships →Recurring billing, gym and studio memberships, PG rent, AMC and insurance renewals, retainers and packages.🥛 Daily Delivery Billing →Milk, newspaper, water can and tiffin monthly bills from daily quantities, plus laundry orders.📅 Projects, Bookings & Installments →Milestone billing, installment plans, booking advances, event and property payment schedules.💳 UPI Payments & Collection →UPI QR with amount, payment pages, coupons, booking advances, bulk payment requests, group collections and UTR reconciliation.🧮 Fee & finance calculators →GST, EMI, late fee, rent receipt and more.