Why add it? Schools want a "cashless campus." It prevents students from carrying cash and allows parents to control spending.

How it works:

Parent Side: A parent logs in and "tops up" a digital wallet using a payment gateway (Paystack/Stripe).

Student Side: The student gets an RFID card or QR code. When they buy lunch at the canteen or pay for a uniform, the admin/merchant scans their card, and the money is deducted from the parent's wallet instantly.

Superadmin Side: Can charge postpaid users immediately when new student or staff is added.

The Logic: The system needs a "Ledger" database table. It shouldn't just be a payment log; it needs Credit (Deposit), Debit (Purchase), and Balance columns.

Alerts: If the balance drops below $10, the system automatically SMS/Emails the admin/parent.