Approvals for payment exceptions

# Approvals for payment exceptions

> Keep routine payments moving while high-value or ambiguous requests pause for human review.

- Human URL: https://conto.finance/solutions/approval-routing
- Raw Markdown: https://conto.finance/solutions/approval-routing.md
- Terminal view: https://conto.finance/ai/solutions/approval-routing

## Proof Points

- **Best for:** Large orders, travel, credits
- **Controls:** Thresholds, escalation, records
- **Outcome:** Humans review exceptions only

## Workflow

### 1. The agent reaches a decision boundary

A purchase, payout, or credit request is valid enough to consider, but large or unusual enough that it should not clear automatically.

### 2. Conto routes the request into approval

Threshold rules, counterparty requirements, or policy combinations switch the request from autonomous execution to approval-needed.

### 3. Humans review with full context

Approvers see the request amount, recipient, category, and the specific rule that triggered review before deciding to release or reject it.

## Controls

### Threshold-based holds

Apply approval only where spend, risk, or ambiguity crosses a line, without turning every payment into a ticket.

### Policy-aware escalation

Use category, counterparty, or budget rules to decide whether the request should route to review, not just the amount.

### Clear approver context

Surface the rule result directly in the approval flow so reviewers understand why the payment paused.

### Release from the same control plane

Approvals happen inside the same payment and audit layer that blocked the request in the first place.

## Outcomes

- Routine payments continue automatically while people review only the exceptions that need judgment.
- Approval volume stays small enough to manage because policy is doing the filtering.
- Finance and security can prove why each exception was released or rejected.

## Related Industries

- [supply-chain](https://conto.finance/industries/supply-chain)
- [billing](https://conto.finance/industries/billing)
- [insurance](https://conto.finance/industries/insurance)
- [travel-events](https://conto.finance/industries/travel-events)