A single-member LLC bookkeeper needs a way to maintain segregation of duties for online bill payments without an additional human approver.

Online bill pay platforms lack a mechanism for a solo operator to simulate dual approval (e.g., client must approve payment) without adding another person.

Severity

3Medium

Willingness to Pay

implied

Added

Apr 27, 2026

Workarounds Described

prints checks from QuickBooks and mails them so client signs before sending

Implied Software Gaps

Digital approval layer that replaces physical check signing for online payments with client confirmation

App Concept

ApprovalSplit

ApprovalSplit is a SaaS add-on for QuickBooks that enforces a two-step approval workflow for online bill payments, even for single-person firms. It sends a payment approval request to the client's email or phone, requiring their explicit confirmation before funds are released. This provides audit trail and peace of mind without hiring staff.

Key Features

Client approval request via email or SMS with one-tap confirm
Integration with QuickBooks Online bill pay and ACH
Audit log of approval chain with timestamps
Customizable dollar thresholds for requiring approval

Target Users: Solo bookkeepers and accountants managing bill pay for clients, especially those serving elderly or trust-averse clients.

Revenue Model: $19/mo per client firm, or $99/mo for unlimited clients

Existing Solutions Mentioned

QuickBookspaper checks by mail

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