Bring Your Spend Policies and Workflows to Life

Bring your company’s unique spend rules into Boya, then automate them across your organization. Set up policies to block out-of-scope expenses, enforce receipt submissions, and define how every payment request flows through approvals.

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Boya is a financial technology company, not a bank. Banking services are provided on
Boya by regulated licensed bank partners.

Smart Spending Controls for Better Compliance and Security

With a quick setup, each policy is instantly applied across your company’s Boya accounts, giving you peace of mind and full compliance.

Restrictions & Categorization

Set rules to allow or block specific channels (e.g., airtime, mobile money) above certain amounts, and apply restrictions based on subcategories (e.g., travel, meals) or required tags for improved reporting.

Vendor Controls

Limit high-value or risky vendor payments. Block, require additional approvals, or set monthly caps.

Business Hours

Restrict spending to normal operating times. For instance, block payments on weekends or late nights.

Receipt Requirements

Enforce receipt uploads for transactions above your chosen threshold—no more missing documentation.

Restrictions & Categorization

Vendor Controls

Limit high-value or risky vendor payments. Block, require additional approvals, or set monthly caps.

Business Hours

Restrict spending to normal operating times. For instance, block payments on weekends or late nights.

Receipt Requirements

Enforce receipt uploads for transactions above your chosen threshold—no more missing documentation.

Customizable Workflows

Tailor every financial workflow so requests move smoothly yet remain fully under control:

Approval Hierarchies

Set up as many layers of approval as you need.

Automated Routing

Direct requests based on teams, departments, or spend thresholds. High-value or urgent requests can escalate to senior managers instantly.

Real-Time Visibility

Track all pending requests at a glance. Identify bottlenecks, reassign tasks if needed, and notify stakeholders automatically..

Empower Teams,  
Maintain Control

By combining enforced policies with well-defined workflows, Boya ensures every transaction aligns with your organization’s guidelines—without endless back-and-forth. Employees gain clarity on what’s allowed, while finance keeps the final say on who spends, how much, and when.