Everything in one wallet
SEndiPay is built for three users — parents, students, and schools. Every feature was designed with all three in mind.
For Parents Features
Mobile Money Top-Up
Load your child's wallet via MTN MoMo or Airtel Money in seconds. No bank account required.
Real-Time Notifications
Get a push notification the moment your child makes any purchase — what they bought and how much.
Full Spending History
A complete, itemised purchase history for every child. Filter by day, week, or term.
Daily Spending Limits
Set the maximum your child can spend in a single day. The wallet declines anything above the limit automatically.
Category Blocking
Allow canteen only, or block tuck shop extras. You choose exactly what the wallet can be used for.
Instant Wallet Freeze
Concern about misuse? Freeze your child's wallet instantly from the app and unfreeze when ready.
Multi-Child Management
Manage wallets for multiple children at the same school or different schools — one parent account.
Low Balance Alerts
Get notified before your child runs out of funds so they're never left without lunch money.
For Schools Features
School Dashboard
A web-based dashboard for bursars to view real-time transactions, manage students, and run reports.
Daily Reconciliation Reports
Auto-generated reports emailed to the bursar every morning — every transaction categorised and totalled.
Automatic Daily Settlement
Net sales transferred to your school's bank account every night. No cash counting, no delays.
Student Management
Add, remove, or suspend student accounts. Track wallet status for every enrolled student.
Trip & Event Payments
Create a trip payment category, set the amount, and parents top up directly. No collection envelopes.
Uniform & Merchandise
List items for purchase — uniforms, books, PE kits — and students buy them from their wallet balance.
Security & Trust Features
On-Device Biometric Storage
Fingerprint templates never leave the local scanner. No biometric data transmitted or stored in cloud.
End-to-End Encryption
All wallet transactions are encrypted in transit and at rest using AES-256 encryption.
Regulated Wallet Accounts
Student wallet funds are held in regulated, ring-fenced accounts — not commingled with operational funds.
Full Audit Trail
Every action — top-up, purchase, freeze, limit change — logged with timestamp, actor, and device ID.
Offline-Capable Hardware
The canteen scanner works offline and syncs when connectivity is restored — no disruption to lunch service.
Instant Refunds
Schools can issue a refund to a student's wallet in seconds — no cash, no cheques, no waiting.
For Students Features
Fingerprint Payment
Touch the scanner, payment approved. No card, no phone, no PIN. Just the student's unique fingerprint.
Sub-Second Approval
Biometric match and wallet deduction in under 0.8 seconds — faster than cash, faster than any card.
Balance Check Screen
Students can check their current balance on the scanner screen before making a purchase.