diff --git a/conservancy_beancount/plugin/meta_approval.py b/conservancy_beancount/plugin/meta_approval.py
index e8f388ea03c02d463b958cb1c5b025ef87b86982..ce1dbc1ef9f432fdc0d888e7270016cd56980dac 100644
--- a/conservancy_beancount/plugin/meta_approval.py
+++ b/conservancy_beancount/plugin/meta_approval.py
@@ -33,26 +33,17 @@ class MetaApproval(core._RequireLinksPostingMetadataHook):
     def _run_on_txn(self, txn: Transaction) -> bool:
         if not super()._run_on_txn(txn):
             return False
+        # approval is required when funds leave a cash equivalent asset,
+        # UNLESS that transaction is a transfer to another asset,
+        # or paying off a credit card.
+        # debits_sum keeps a running tally of how much is moving in each
+        # direction, and we'll return True if it ends up over the payment
+        # threshold.
         debits_sum = decimal.Decimal(0)
         for post in data.iter_postings(txn):
-            # approval is required:
-            # 1. When a payable is accrued
-            if (post.account.is_under('Liabilities:Payable:Accounts')
-                and post.is_debit(self.payment_threshold)):
-                return True
-            # 2. When funds leave a cash equivalent asset, UNLESS that
-            # transaction is a transfer to another asset, or paying off a
-            # credit card.
-            # In this case, debits_sum keeps a running tally of how much is
-            # moving in each direction, and we'll return True if it ends up over
-            # the payment threshold.
-            elif post.account.is_cash_equivalent() or post.account.is_credit_card():
+            if post.account.is_cash_equivalent() or post.account.is_credit_card():
                 debits_sum -= post.units.number or 0
         return debits_sum > self.payment_threshold
 
     def _run_on_post(self, txn: Transaction, post: data.Posting) -> bool:
-        if post.account.is_under('Liabilities:Payable:Accounts'):
-            threshold_check = post.is_debit(self.payment_threshold)
-        else:
-            threshold_check = post.is_payment(0)
-        return threshold_check is not False
+        return post.account.is_cash_equivalent() and not post.is_credit(0)
diff --git a/tests/test_meta_approval.py b/tests/test_meta_approval.py
index da0d7f50a91bdfecb37ac0699ed565336bdbf500..2edc1e204c7e216e93961302a994b7fbb5dbb229 100644
--- a/tests/test_meta_approval.py
+++ b/tests/test_meta_approval.py
@@ -24,15 +24,17 @@ REQUIRED_ACCOUNTS = {
     'Assets:Bank:Checking',
     'Assets:Cash',
     'Assets:Savings',
-    'Liabilities:Payable:Accounts',
 }
 
 NON_REQUIRED_ACCOUNTS = {
     'Assets:Prepaid:Expenses',
+    # Receivables are checked by meta_receivable_documentation
     'Assets:Receivable:Accounts',
     'Equity:QpeningBalance',
     'Expenses:Other',
     'Income:Other',
+    # Payables are checked by meta_payable_documentation
+    'Liabilities:Payable:Accounts',
     'Liabilities:Payable:Vacation',
     'Liabilities:UnearnedIncome:Donations',
 }