Questions? We've got answers.

bowcloudspay helps Nigerian nursery, primary and secondary schools collect and reconcile fee payments digitally. Schools set up their terms, classes and fees; parents pay online or by bank transfer; and every payment is matched to the right student automatically.

Create a school account from the “Get onboarded” button, verify your email, then follow the onboarding checklist to add your terms, classes, fees and students. You can invite other staff once your school is set up.

Schools can start on a free plan. Online card and transfer payments carry the usual payment-processor charges, and the platform takes a small cut on online collections. Talk to us via the Contact page for current pricing for your school.

Parents can pay by card, by bank transfer, or into a per-student virtual account. Whichever method they choose, the payment is recorded against that child so your records stay clean.

Each student can be given a dedicated virtual account number. When a parent transfers to it, we match the payment to that student automatically — no manual matching against a bank statement. Where a virtual account isn’t used, parents can upload proof of payment or you can match a bank-statement CSV.

Yes. Because every invoice shows exactly what has been paid and what is still due, parents don’t accidentally pay twice, and staff can see a payment the moment it lands.

Yes. Schools can allow part-payments against a term’s fees, and parents see a running balance of what’s left to pay.

Every successful payment produces an instant receipt the parent can view and keep. Parents can also see a full statement of what they’ve paid across terms.

Parents sign in with the phone number their school has on record and a one-time code. The code is sent by email (with SMS coming soon), so parents on “Do Not Disturb” numbers still receive it.

Payments are processed by licensed payment providers, and sensitive data is protected in transit and at rest. Each school’s data is kept separate from every other school on the platform.

We handle personal data in line with the Nigeria Data Protection Regulation (NDPR): we collect only what’s needed to run fee collection, keep it secure, and don’t share it with other schools. See our Privacy Notice for details.