Expense Policies

What are expense policies?

Expense policies are rules that govern how your team can spend. Instead of writing a policy document that nobody reads, SKOOR lets you encode your rules directly into the platform. The rules are enforced in real time: transactions that violate a policy are flagged before they reach an approver, and repeat violators can have their cards auto-locked.

Common policy types

• Receipt required for transactions above a dollar threshold (e.g., $25).
• No weekend transactions unless pre-approved.
• Maximum per-transaction amount by category (e.g., meals capped at $75).
• Blocked merchant categories (e.g., no gambling, no personal services).
• Required memo or project code for transactions above a threshold.

Auto-lock for non-compliance

Enable auto-lock to automatically freeze a card when the cardholder has too many policy violations. You set the threshold: three missing receipts in a month, two unapproved weekend transactions, or any single violation above a dollar amount. When a card is auto-locked, the cardholder and admin receive a notification. The admin must manually unfreeze the card after reviewing the violations.

Policy impact on your score

Strong policy compliance is a positive signal for your Business Health Score. Accounts with fewer violations, complete receipt coverage, and clean audit trails score higher on the compliance pillar. The SKOOR AI agent monitors policy health across your account and recommends tighter or looser policies based on your team behavior and industry benchmarks.