Use Apron with a dual authorisation bank account

Yes, you can use Apron with a dual authorisation bank account. You have three options depending on what works best for your setup.

You can initiate payments via Open Banking as normal. The first authoriser completes the payment flow in Apron, and the bank places the payment in a pending state. The second authoriser approves it separately by logging into their bank – they don't need to log into Apron.

A couple of things to keep in mind:

If you use Open Banking with dual authorisation, make sure the second authoriser knows when payments need their approval so they can confirm promptly.

For a smoother experience, use Pay via bank transfer. Both authorisers work within your bank's own dual authorisation flow, which is designed for exactly this. The first person initiates the transfer, the second approves it, all within your banking platform.

If you use bank transfer, consider setting up an Any of approval workflow in Apron so that multiple people receive payment notifications and either one can initiate the transfer. See Create approval workflows for details.

For more on how bank transfers work in Apron, see Pay via bank transfer.

If you'd rather not go through dual authorisation for every individual payment, you can fund your Apron Wallet in advance. Top up the Wallet once (going through your bank's dual authorisation for that single transfer), and then process payments from your Wallet balance without needing dual authorisation each time.

See Add money to your Apron Wallet for setup instructions.