School Finance
Reimagined with AI
Stop chasing fees. Stop drowning in paperwork. ZivoFees automates every aspect of school finance — from invoicing to parent payments — so you can focus on education.
Good morning,
Harare High School
Collected
$48,200
↑ 12% this term
Outstanding
$8,350
47 students
Students
1,247
Active enrolled
15 high-risk students predicted to miss payment. Send reminders now to recover $3,200 early.
Recent Payments
Chido Moyo
Form 3A • $450
2m ago
Tafara Ncube
Form 5B • $380
8m ago
Rudo Dube
Form 1C • $520
23m ago
Collection Rate
94.8%
AI Powered
Live
Schools Onboarded
Reduction in Arrears
Avg Collection Rate
Parent Portal Access
Everything Ready the Moment You Register
We auto-create your fee categories, expense categories, academic year and terms — so you can start invoicing on Day 1.
8 Fee Categories
Tuition, Development Levy, Exams, Sports & more
10 Expense Categories
Salaries, Utilities, Maintenance & more
Academic Year
Current year created with Term 1, 2 & 3
Grade Levels
ECD to Form 6 — based on your school type
One Platform.
Every Finance Need.
From the moment a student enrols to the final payment of the year — ZivoFees handles every financial touchpoint.
Smart Invoicing
Auto-generate invoices from fee templates for entire classes or individual students in seconds. Bulk generate for new terms instantly.
- Fee templates per class & level
- Bulk invoice generation
- Custom charge rules
- Invoice status tracking
Payment Recording
Record cash, EcoCash, OneMoney, RTGS and bank payments. Automatic receipt generation and invoice reconciliation.
- Multi-currency (USD & ZWL)
- EcoCash & OneMoney via Paynow
- Auto receipt generation
- Unapplied credit tracking
AI-Powered Insights
Our AI analyses payment patterns, predicts late payers, and recommends the best time to send reminders to maximise collection.
- Overdue risk scoring
- Cash flow forecasting
- Payment trend analysis
- Weekly action plans
Parent Self-Service Portal
Parents login 24/7 to view invoices, outstanding balances, payment history and submit payments — no more phone calls.
- Real-time balance view
- Download statements & receipts
- Online payment submission
- Link multiple children
Finance Dashboard
Live financial overview with collection rates, outstanding balances, invoice summaries and payment breakdowns by method.
- Live collection metrics
- Outstanding balance reports
- Payment method breakdown
- Invoice status summary
WhatsApp & Email Reminders
Send invoices, overdue reminders and balance alerts straight to a parent's WhatsApp — individually or in bulk to a whole class — plus automatic email notifications for every payment and receipt.
- One-click "send invoice via WhatsApp"
- Bulk WhatsApp reminders by class or level
- Ready-made message templates
- Delivery tracking on every message
Class & Exam Timetables
Build your weekly class timetable and exam schedule in the same place you manage fees — no separate spreadsheet or app needed.
- Reusable period-time presets
- Teacher availability checking
- Whole-school & per-teacher views
- Publish and print exam timetables
School Shop
Sell uniforms, stationery or produce to parents online or over the counter, with sales automatically recorded as income — separate from fee collections.
- Online ordering + walk-in sales
- Stock & product-variant tracking
- Pay via Paynow or manually
- Built-in profit tracking per sale
Student Promotion & Alumni
Move students up a grade at year-end in one click, keep specific students back to repeat, and keep a permanent archive of every graduating class.
- One-click whole-school promotion
- Grade-by-grade or per-student control
- Repeat-a-grade support
- Permanent "Class of [year]" alumni archive
Academic Reports & Marks
Teachers enter marks once, the school reviews and digitally signs every report in one controlled run, then parents receive them instantly in the portal — with a QR code on every page proving it's authentic.
- Teacher mark entry & spreadsheet import
- One-click review, approval & digital signature
- Instant parent delivery with read receipts
- Attendance, interventions & AI comment suggestions
Up & Running in Minutes
No complex setup. No IT team required. Register and your data is ready to go.
Register Your School
Fill in your school details and submit. Your fee categories, expense categories, academic year and grade levels are auto-created instantly.
Add Students & Parents
Import students or add them manually. Parents register and securely link to their children through the portal.
Generate Invoices
Create fee templates per class, then bulk-generate invoices for an entire term with one click. Parents get email notifications automatically.
Collect Fees Effortlessly
Parents pay online via EcoCash, Visa or RTGS. You get real-time updates, AI insights, and automated receipts — zero manual chasing.
No credit card • No contracts • Cancel anytime
Your AI Finance
Assistant Never Sleeps
While you're teaching, our AI is analysing 100+ payment signals across your school to spot problems before they become crises.
Overdue Risk Detection
AI scores each student's payment risk and flags high-risk accounts weeks in advance.
Cash Flow Forecasting
See projected collections for the next 30/60/90 days based on historical patterns.
Smart Reminder Timing
AI recommends the optimal time to send payment reminders per parent.
Actionable Recommendations
Get weekly AI-generated action plans to maximise your collection rate.
Welcome back
Mrs. Chido Moyo
My Children
Takudzwa Moyo
Form 3A
Rufaro Moyo
ECD B
Quick Actions
Give Parents the
Power to Self-Serve
No more parents coming to the office to ask about balances. No more WhatsApp groups for receipts. Parents get everything online, 24/7.
View real-time balances and outstanding invoices for all children
Download official receipts and term statements as PDF
Pay fees online via EcoCash, OneMoney, Visa or Mastercard
Securely link multiple children to one parent account
Receive instant email notifications for new invoices and receipts
Full payment history with proof of every transaction
Trusted by Zimbabwe's Schools
Real feedback from school administrators who switched to ZivoFees.
"Before ZivoFees, we had staff manually reconciling fees every Friday. Now it's all automatic. Our collection rate went from 71% to 93% in one term. I wish we had this years ago."
Mrs. Tendai Moyo
Head of Administration
Rujeko High School, Masvingo
"Parents kept asking for their balances via WhatsApp at all hours. Now they just log into the portal themselves. Our finance office spends 60% less time on parent queries."
Mr. Blessing Ncube
School Bursar
Luveve Primary, Bulawayo
"The AI insights are something else. It flagged 23 students as high-risk before term 2 — we sent targeted reminders and recovered $6,800 that would have been written off. Absolutely brilliant."
Ms. Rutendo Chikwanda
Finance Director
St. Faith College, Harare
Built for Every User
Four distinct portals — each giving the right person exactly the right tools.
School Admin
Full ControlComplete oversight of every financial process in your school.
- Manage academic years, terms & classes
- Configure fee templates & charge rules
- Generate & manage invoices
- Review, approve & digitally sign reports
- View AI insights & reports
- Manage team members
Teacher
Marks & ReportsEnter marks, write comments, and take attendance for every class you teach.
- Enter marks by class & subject
- Import marks from a spreadsheet
- Write & AI-suggest subject comments
- Take daily attendance
- See only your assigned classes
Finance Office
Day-to-Day FinanceRecord payments, manage invoices and handle daily transactions.
- Record cash & digital payments
- Issue & manage student invoices
- Generate payment receipts
- View outstanding balances
- Run financial reports
- View student billing profiles
Parent
24/7 Self-ServiceTransparent visibility and online payments — available anytime.
- View invoices and balances
- Download receipts & statements
- Make online payments
- View & download term report cards
- Link multiple children
- Submit payment proofs
Designed Around
Zimbabwe's Reality
We didn't adapt a foreign platform. We built this from scratch understanding the specific challenges of Zimbabwean schools — dual currency, EcoCash, RTGS, and all.
USD & ZWL Support
Both currencies fully supported across all transactions.
EcoCash & OneMoney
Integrated local mobile money payment methods.
All 10 Provinces
Province and district selection pre-loaded for Zimbabwe.
ZIM Curriculum
ECD, Grade 1-7, Form 1-6 — local class naming built in.
RTGS Transfers
Local bank transfer recording and reconciliation.
Local Support Team
Zimbabwe-based support who understand your challenges.
Visa Card
International credit & debit cards
Mastercard
Global payment network
EcoCash
Zimbabwe's #1 mobile money platform
OneMoney
NetOne mobile payment platform
RTGS / Bank
Local & USD bank payments
Cash Payments
Record walk-in cash payments
Transparent. Affordable. No Surprises.
Start free for 30 days. No credit card. No contracts. Cancel any time.
$15 / month
Everything your school needs to manage fees, invoices, and payments — for schools with up to 750 students.
- Up to 750 students
- Unlimited invoices & receipts
- Parent self-service portal
- Paynow online payments
- AI risk scoring & predictions
- AI cash flow forecasting
- Bulk invoicing by class/level
- WhatsApp payment reminders
- Financial reports & analytics
- Student import via CSV
- Email & WhatsApp notifications
- 1 month free trial
No credit card required
$35 / month
For growing schools with 751 to 1,400 students.
- 751 to 1,400 students
- Everything in Standard
- Priority WhatsApp support
No credit card required
$55 / month
For large schools and multi-campus institutions with more than 1,400 students.
- Over 1,400 students
- Everything in Growth
- Unlimited students
- Dedicated account manager
- Priority support
No credit card required
All plans include a 30-day free trial with full features. No credit card required.
Audit-Ready Books. Compliant Statements.
ZivoFees keeps a full double-entry general ledger and produces financial statements in line with IPSAS for government and mission schools and IFRS for SMEs for private schools — the standards adopted in Zimbabwe through ICAZ and PAAB.
The complete set of financial statements
Generated from the ledger, with prior-year comparatives, checked so every statement reconciles — ready for your governing body and auditors.
- Statement of Financial PositionAssets, liabilities and net assets at the reporting date
- Statement of Financial PerformanceFees, levies, grants and expenses — the surplus or deficit for the year
- Statement of Changes in Net AssetsOpening funds, surplus, transfers and closing funds
- Statement of Cash FlowsOperating, investing and financing cash, reconciled to the bank
- Budget vs Actual (IPSAS 24)Original and revised budget, actuals, variances and explanations
- Notes to the Financial StatementsAccounting policies, PPE, receivables, commitments, related parties and more
Export to PDF with sign-off blocks, or to Excel with live formulas your auditor can trace.
Double-entry ledger
Every invoice, payment and expense posts a balanced journal. Posted entries can only be reversed, never edited or deleted.
SSF & SDC fund accounting
School Services Fund, SDC and other governed funds kept separate and self-balancing — each with its own report.
Circular No. 9 of 2026 audits
Record internal and external audits, track every recommendation and produce the monthly action-plan report.
Approved statements on file
Freeze each year's statements, review by a second person, record SDC or board approval and keep every version.
Bank reconciliation
Import bank statements, auto-match transactions and complete month-end reconciliations.
Payroll & ZIMRA
PAYE, AIDS levy, NSSA, ZIMDEF, VAT and withholding tax — with schedules for your returns.
Period locking & controls
Lock months once reviewed, require approval for journals and expenses, and keep a full audit trail.
Audit evidence register
Attach invoices, receipts, quotations and minutes to the transactions they support.
ZivoFees keeps the records and prepares the statements; your school's governing body approves them and your independent auditor issues the audit opinion. Confirm with the Ministry or PAAB which framework applies to your school.
Your Data is Safe With Us
School financial data is sensitive. We treat it that way — with enterprise-grade security built into every layer.
TLS 1.3 Encryption
All data in transit is encrypted using the latest TLS 1.3 standard. No exceptions.
Daily Backups
Automated daily backups with 30-day retention. Your data is never at risk of loss.
Role-Based Access
Finance staff only see what they need. Strict permission controls across all roles.
Secure Cloud Hosting
Hosted on enterprise cloud infrastructure with 99.9% uptime SLA.
No Data Sharing
We never sell, share or expose your school data to any third party. Ever.
GDPR-Ready Privacy
Cookie consent, data deletion requests and privacy controls built into the platform.
Data Protection Compliant
We comply with data protection regulations governing how school and student information is stored, processed and accessed.
Common Questions
Everything you need to know before getting started.
Ready to Transform
Your School Finance?
Join forward-thinking Zimbabwean schools that have reduced their fee arrears and streamlined their entire finance operation.