How to bifurcate payment requests when writing BPM rules for payment approvals

Summary:

Content (required):

We have payment approvals enabled.

In case of payment requests

1) Employee expenses they should go for approvals

2) Customer Refunds should get auto approved

Please suggest how to bifurcate these payment requests when writing BPM rules for payment approvals.

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Code Snippet (add any code snippets that support your topic, if applicable):