How PayGuard Works

Get approvals before you pay—in 3 simple steps. No bank connections, no payment processing. Just approvals and proof.

1

Create a payment request

Enter the payment details: who you're paying, how much, when it's due, and what it's for. Takes about 30 seconds.

Vendor:BrightSpark Services
Amount:$8,200 USD
Due date:Feb 15, 2026
Purpose:Electrical fit-out

If the vendor's bank details have changed since last time, we flag it automatically.

2

Approvers get an email

Based on your rules (amount thresholds, bank changes, etc.), the right approvers receive an email. One tap to approve or reject—no login required.

From: PayGuard Approvals
Subject: Please approve: $8,200 to BrightSpark Services

Links are single-use and expire after 24 hours for security.

3

Download your receipt

Once all required approvals are in, we generate a PDF receipt. It includes who approved, when, and a SHA-256 hash to prove it hasn't been tampered with.

Approval-Receipt-000123.pdf
Approved by Sarah Manager, David Director

Now you can pay in your bank or accounting software—with proof that it was approved.

What if bank details change?

Bank details changed
The vendor's bank account is different from the last approved request. Please verify before approving.

When vendor bank details differ from the last approval, PayGuard flags it. You can require two approvals for extra safety—a simple control to prevent payment fraud.

Ready to try it?

See the full approval flow in a 60-second demo. No signup required.

Try the demo