Statements are reconciled by hand
An accountant exports statements from several banks and matches each incoming payment to a student. If a parent did not include the child's surname, the payment has to be traced through phone numbers and chats.
Payments and finance
Tuition payments via Kaspi: invoices, matching and debtors without manual work
ZERO connects to Kaspi.kz, Halyk Bank, Bank RBK and Bank CenterCredit, issues invoices on the payment schedule and matches incoming payments to students on its own. Parents see unpaid invoices in the mobile app, while the accountant and director get an up-to-date debt report instead of reconciling bank statements by hand.
- Kaspi.kz and Kazakhstan banks
- Automatic payment matching
- Automatic late fees
Sound familiar?
Why tracking tuition payments takes so much time
While a school, kindergarten or center has a few dozen students, payments can still be kept in a spreadsheet. As the number of families grows, manual payment tracking becomes a constant load on accounting and a source of disputes with parents.
Debtors show up too late
Overdue payments come to light at month-end, when the debt has already piled up. There is no single list of who owes how much and for which period.
Invoices are issued manually
The amount depends on the contract, discounts and the number of classes. When invoices are assembled in a spreadsheet, errors are inevitable, and each error means a call from a parent.
Payment reminders do not go out on time
An administrator messages parents by hand whenever there is time. Some are reminded too early, others only after the due date, and some never at all.
Late fees are not always charged
The late-fee terms are in the contract, but calculating them for each student by hand takes too long. As a result, schools often give up charges they are entitled to.
Club payments live separately
Clubs are paid by their own rules: by attendance, by subscription, with recalculations. If they are tracked in another spreadsheet, the overall picture for a family never comes together.
How it works
Accepting school payments via Kaspi and banks: from invoice to report
The school's entire money workflow in one interface: payment schedule, invoice, payment, matching, reminder, late fee and a report for the director.
Invoices are issued on the payment schedule
The payment plan is built into the contract with the parent, and from then on the system generates invoices on the right dates by itself. There is no need to collect amounts in a spreadsheet and send out payment details every month: the invoice appears in the student's card and in the parent's mobile app.
- Payment schedule
- Invoices from the contract
- Student card
- Mobile app
Integration with Kaspi.kz and Kazakhstan banks
ZERO integrates directly with Kaspi.kz, Halyk Bank, Bank RBK and Bank CenterCredit. A parent pays tuition the usual way, and the payment arrives in the system and is automatically matched to the right student. This is an integration of payment data with your accounting system, not a replacement for the school's agreement with its bank.
- Kaspi.kz
- Halyk Bank
- Bank RBK
- Bank CenterCredit
- Automatic payment matching
Push notifications to parents about unpaid invoices
Parents receive push notifications in the mobile app about unpaid invoices every month, with no involvement from the administrator. This removes the most common cause of late payments: the family simply forgot, and nobody was free to remind them by hand.
- Monthly push notifications
- Mobile app
- No manual calls
Automatic late fees
The late-fee rule is set in the contract and calculated automatically for every student. The school does not have to keep separate calculations, and the parent sees a clear basis for the charge. According to platform data, ZERO clients have earned ₸21.5 m from late fees.
- Late-fee calculation
- Based on the contract
- Transparent records
"Debtors" report and WhatsApp reminders
ZERO builds debtor lists broken down by month: how many people owe, the total amount and how long the payment has been overdue. A WhatsApp reminder can be sent straight from the report. Message templates support variables, such as the child's name and the amount due, and the official WhatsApp Business API allows mass and automated messaging without the risk of being blocked. For a personal conversation, built-in calls through IP telephony are available.
- Number of debtors
- Total amount owed
- Days overdue
- Templates with variables
- Mass broadcasts
Clubs and activities in the same system
Payment for services, club schedules and attendance are kept alongside the main curriculum. Club invoices become part of the overall picture for a family, and the accountant sees everything in one report without switching between spreadsheets.
- Payment for services
- Attendance
- Schedule
- One report per family
In practice
Who sees what when payments run through ZERO
The money workflow involves three roles in a school. Here is how each role's work changes when invoices, matching and reminders move into the system.
Accountant
01Does not export statements or hunt for whose payment it is: incoming payments from Kaspi and banks are already linked to students. Opens the "Debtors" report and sees how many families have not paid, how much and since which month. Only exceptions remain manual, for example a payment the system could not match unambiguously. This is where most of the time is saved: up to 200 hours a month, according to platform data.
Director
02Can see the share of payments collected, the number of debtors and the total amount owed for the period at any moment. Decisions on discounts, installments and tougher terms are made from current figures, not from a summary that accounting spent several days compiling. Late fees are charged under the contract rules, without verbal agreements.
Administrator
03Spends no time on manual reminders. If a parent asks what an invoice is for and what has been paid, everything is already in the student's card: contract, payment schedule, invoices and payments. A reminder to a debtor goes out from the report as a WhatsApp template, and if needed the administrator calls through the built-in IP telephony.
- 70+ educational institutions
- ₸13.7 bn in payments processed in 2025–2026
- 200 h saved per month
- ₸21.5 m earned by clients from late fees
Comparison
School payment automation vs. a spreadsheet: what is the difference
A spreadsheet and a banking app cover receiving money, but not tracking it. ZERO links the invoice, the payment, the student and the contract into one chain.
| Task | Spreadsheet and bank statements | ZERO |
|---|---|---|
| Issuing invoices | Amounts are entered manually every month | Invoices are generated from the payment schedule in the contract |
| Matching payments | The accountant looks up the student from the statement | A payment from Kaspi.kz or a bank is linked to the student automatically |
| Tracking parent debt | The list is compiled at month-end | "Debtors" report: count, amount and days overdue at any moment |
| Reminders and late fees | Written by hand; late fees not always calculated | Push in the app, WhatsApp templates with the amount due, automatic late fees |
| Clubs and activities | A separate spreadsheet for each club | Payment for services in the same system as the main curriculum |
Implementation
How to set up payment collection in 7–10 days
Setup is done together with the ZERO team: consultations, staff training and instructions at every stage.
- 1
A demo on your payments
30 minutes online: we look at how payments work today and which banks you use, and show how it will look in ZERO.
- 2
Setup and data migration
We import students, payments and history, and set up payment schedules, contract templates, late-fee rules and bank connections.
- 3
Training for accounting and administrators
We walk through the daily workflows: how to read the "Debtors" report, handle exceptions and send reminders. We hand over instructions.
- 4
Launch and support
The school starts accepting payments through the system, and the ZERO team stays in touch: support through a shared chat and by phone.
Pricing
How much does school payment automation cost
The subscription is monthly; implementation is paid once. Bank integrations are included in the plan for private schools.
For private schools
ZERO Plus+
₸ 249,000 per month
- Contracts: eGov Mobile (Business), tuition payments, late-fee calculation
- Bank integrations: Kaspi.kz, Halyk Bank, Bank RBK, Bank CenterCredit
- Clubs: attendance, schedule, payment for services
- CRM: call center, WhatsApp, ad leads, ChatGPT chatbot
- Implementation and technical support
-
Implementation is a one-time payment of ₸ 300,000.
-
If you only need contracts and finance, there is a separate module plan: "Contracts" and "Finance" cost ₸ 129,000 per month, or ₸ 169,000 together with clubs and activities.
-
Kindergartens and education centers have their own plans with the same bank integrations. We will walk you through the details at the demo.
FAQ
Frequently asked questions about tuition payments via Kaspi
Can I accept tuition through Kaspi.kz and keep the records in one system?
Yes. ZERO integrates with Kaspi.kz, Halyk Bank, Bank RBK and Bank CenterCredit: a payment arrives in the system and is matched to students automatically, and invoices are issued on the payment schedule from the contract.
Does the accountant still have to reconcile bank statements by hand?
Normally no: payments are matched to students automatically. Only exceptions that the system could not link unambiguously stay manual. According to platform data, automation saves up to 200 hours of work per month.
How do parents find out that an invoice is unpaid?
They receive push notifications about unpaid invoices in the ZERO mobile app. In addition, debtors can be sent a WhatsApp reminder from a template that includes the amount due.
How does tracking parent debt work?
ZERO builds a "Debtors" report broken down by month: it shows the number of debtors, the total amount owed and the days overdue for each student. You can go straight from the report to a reminder.
Are late fees calculated automatically?
Yes. The late-fee rule is set in the contract and calculated automatically. ZERO clients have already earned ₸21.5 m from late fees.
What reminders can I send to parents on WhatsApp?
The official WhatsApp Business API allows mass and automated messaging without the risk of being blocked. Message templates support variables, such as the child's name and the amount due, and can be created without limits.
Can I accept payments for clubs and activities?
Yes. Payment for services, club schedules and attendance are kept in the same system as the main curriculum, so the accountant sees a single picture for each family.
How much does it cost to set up payment collection?
For private schools, bank integrations are included in the ZERO Plus+ plan at ₸ 249,000 per month. Implementation is paid once and costs ₸ 300,000. The "Contracts" and "Finance" modules can be connected separately for ₸ 129,000 per month.
Demo
See ZERO on your own processes
30 minutes online: we'll review your school, walk through the modules, and estimate the rollout. No strings attached.
Personal demo
Tailored to your format: school, kindergarten, or center
Safe data migration
Import of students, payments, and history
Support at every step
We help with rollout, training, and launch