diff --git a/conservancy_beancount/plugin/meta_approval.py b/conservancy_beancount/plugin/meta_approval.py
index 1518847..8bc8d97 100644
--- a/conservancy_beancount/plugin/meta_approval.py
+++ b/conservancy_beancount/plugin/meta_approval.py
@@ -34,14 +34,26 @@ class MetaApproval(core._RequireLinksPostingMetadataHook):
     def _run_on_txn(self, txn: Transaction) -> bool:
         if not super()._run_on_txn(txn):
             return False
-        assets_sum = decimal.Decimal(0)
-        creditcard_sum = decimal.Decimal(0)
+        debits_sum = decimal.Decimal(0)
         for post in data.iter_postings(txn):
-            if post.is_payment():
-                assets_sum -= post.units.number or 0
-            elif post.account.is_under(self.CREDIT_CARD_ACCT):
-                creditcard_sum += post.units.number or 0
-        return (assets_sum - creditcard_sum) > self.payment_threshold
+            # 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.is_payment(0) 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:
-        return post.is_payment(0) is not False
+        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
diff --git a/tests/test_meta_approval.py b/tests/test_meta_approval.py
index 90f01ec..2bc883c 100644
--- a/tests/test_meta_approval.py
+++ b/tests/test_meta_approval.py
@@ -24,6 +24,7 @@ REQUIRED_ACCOUNTS = {
     'Assets:Bank:Checking',
     'Assets:Cash',
     'Assets:Savings',
+    'Liabilities:Payable:Accounts',
 }
 
 NON_REQUIRED_ACCOUNTS = {
@@ -32,7 +33,8 @@ NON_REQUIRED_ACCOUNTS = {
     'Equity:QpeningBalance',
     'Expenses:Other',
     'Income:Other',
-    'Liabilities:Payable:Accounts',
+    'Liabilities:Payable:Vacation',
+    'Liabilities:UnearnedIncome:Donations',
 }
 
 CREDITCARD_ACCOUNT = 'Liabilities:CreditCard'
@@ -148,10 +150,9 @@ def test_approval_not_required_to_charge_credit_card(hook):
     ])
     assert not list(hook.run(txn))
 
-@pytest.mark.parametrize('acct', REQUIRED_ACCOUNTS)
-def test_approval_not_required_to_pay_credit_card(hook, acct):
+def test_approval_not_required_to_pay_credit_card(hook):
     txn = testutil.Transaction(postings=[
-        (acct, -25),
+        ('Assets:Checking', -25),
         (CREDITCARD_ACCOUNT, 25),
     ])
     assert not list(hook.run(txn))