Who can use ApprovalMax Pay?

Companies with a UK entity or UK bank account can use ApprovalMax Pay. We are extending availability to additional regions and platforms over time. Businesses can use ApprovalMax Pay in two ways: 1. Via Wallets, by funding a dedicated payment balance inside ApprovalMax Pay. 2. Via Open Banking, using a connected UK bank account.

How is ApprovalMax Pay priced?

ApprovalMax Pay uses different pricing models depending on the payment method you choose. There are no hidden fees, and charges are clearly shown before you make a payment. 1. Wallets works on a pay-as-you-go pricing model. 2. Open Banking payments are included as part of your subscription (as of March 2026).

Can I use ApprovalMax Pay during the trial?

Yes. ApprovalMax Pay is included in the 14-day trial for Xero organisations in the UK.

Which plans include ApprovalMax Pay?

ApprovalMax Pay is available in all plans for UK businesses using Xero, including Standard, Advanced, and Premium.

What currencies can I pay in?

Wallets support payments in 30+ currencies, including international SWIFT payments and currency conversion. Open Banking payments are currently available in GBP.

Is there a limit on how many bills I can pay at once?

A batch payment can contain up to 200 bills, across multiple currencies and suppliers, sent as a single run. Running payroll, paying contractors or settling supplier invoices, including complex approvals, is easy.

Do approvers need access to my accounting system?

No. Approvers act in ApprovalMax and don't need a Xero licence to review or approve a payment.

Do approval workflows apply to both Open Banking and Wallet payments?

Yes. All payments, regardless of method, must pass through ApprovalMax's approval workflows, role-based permissions, supplier controls, and audit trail. The payment method does not bypass your controls.

How secure is ApprovalMax Pay?

Security is central to ApprovalMax Pay: 1. Open Banking uses secure authentication and encrypted data sharing. 2. Wallets are protected by a regulated payment infrastructure and internal controls. 3. ApprovalMax holds security certifications, including ISO 27001. All payments follow ApprovalMax's approval workflows and audit trails.

Is ApprovalMax Pay a bank?

No. ApprovalMax Pay is not a bank and does not provide banking services. Wallet balances are used solely for payment execution purposes and are provided through a regulated payment infrastructure. ApprovalMax Pay enables payment initiation and management, but does not offer deposit-taking services.

Home Accounts Payable automation ApprovalMax Pay

The smarter, faster, safer way to pay your bills

Pay approved bills in 30+ currencies directly from ApprovalMax – no need to switch between systems or re-enter payment details. Control your entire accounts payable process from one place.

Paying approved Xero bills from ApprovalMax

Pay like a local, globally

Pay global suppliers via local rails for cheaper rates than sending internationally through the bank.

Pay bills where you approve them

The entire paper trail lives in ApprovalMax. No more piecing together information from different sources.

Control how staff access funds

Reducing banking portal access means staff only access allocated funds needed to pay the bills.

How ApprovalMax Pay works

Multi-currency payments

Use Wallets to convert funds and pay global suppliers in 30+ currencies across 150+ countries, all within your existing approval workflows.

Selecting from 35 currencies for a supplier payment

Save time on every payment

Paying multiple suppliers at month-end? Batch up to 200 payments – across any currency, to any supplier – and send them in a single click.

Batch of up to 200 supplier payments ready to send

Control user permissions

Define exactly who can convert currencies, approve payments, and release fund. Without exposing bank details or compromising financial security.

User permissions controlling who can convert and release funds

Reconcile with ease

Pay-as-you-go fees are recorded as separate line items in Xero and one-click reconciliation pulls everything in automatically. No manual entry required.

Approving a batch payment run in ApprovalMax

Getting started

Available for UK-based businesses using Xero. Connect your existing UK bank account via Open Banking to make local payments for free, or open Wallets to send funds globally. Wallets are opened in your company’s name and powered by Currencycloud, a Visa company, offering trusted, bank-grade infrastructure.

Hear from our customers

ApprovalMax Pay Wallets have changed how we run payments. We can pay UK and international suppliers in minutes, not hours, and everything still goes through the right approvals.

Howard Jones

Operations Director, Archangel Accounting

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The smarter, faster, safer way to pay your bills