# LotPay

> LotPay is an international payment assistance platform that helps students and professionals pay required international fees — tuition, exams, visa fees, credential evaluations, and more — using their local currency.

## What LotPay Does

LotPay acts as a trusted financial intermediary for people in developing markets (Nigeria, Kenya, Ghana, and others) who need to make USD or other international payments. Users submit a payment request, pay in their local currency, and LotPay handles the rest — completing the international payment on their behalf within 24–48 hours.

## Who LotPay Serves

- International students paying tuition, application fees, and housing deposits to universities in the US, UK, Canada, and Australia
- Test-takers registering for IELTS, TOEFL, GRE, GMAT, SAT, and professional certification exams
- Visa applicants paying embassy and consulate fees
- Professionals needing credential evaluations (WES) or immigration health surcharges (UK IHS)
- Businesses making international B2B payments

## Payment Types

- **Pay a School**: Tuition, enrollment, application fees, and housing payments to universities worldwide
- **Tests & Exams**: Registration fees for IELTS, TOEFL, GRE, GMAT, SAT, and professional certifications
- **SEVIS Fee**: US F-1, M-1, and J-1 visa I-901 fee payments with receipt assistance
- **WES Fee**: World Education Services credential evaluation payments
- **Pay a Business**: International B2B payments
- **Visa Fees**: Embassy and consulate visa application fees
- **UK IHS Fee**: UK Immigration Health Surcharge payments

## How It Works

1. **Make a Request** — Submit a payment request with fee type, institution details, amount, currency, deadline, and any supporting documents.
2. **Pay Locally** — Pay the total amount in your local currency via debit/credit card (Visa, Mastercard, Verve), bank transfer, or mobile money (M-Pesa, MTN, Airtel Money).
3. **We Complete It** — The LotPay team verifies your request, executes the international payment on your behalf, and sends real-time status updates.
4. **Receive Confirmation** — Get email notification, downloadable proof of payment, a transaction receipt, and full status tracking via your dashboard.

## Processing Tiers

- **Regular**: Standard 48–72 hour processing
- **Premium**: Faster 24–48 hour processing
- **Bolt**: Express 12-hour processing

## Key Features

- Pay international fees in your local currency without needing an international card
- Fast processing — most payments completed within 24–48 hours
- Real-time request tracking with unique tracking IDs
- Downloadable proof of payment and transaction receipts
- Dedicated 24/7 support via email, phone, and contact form
- Bank-level encryption and monitored transactions
- Referral program — earn cash commission by recommending LotPay to others

## Referral Program

LotPay offers a referral program where users earn a percentage of the service fee on each referred user's successful payment. Earnings can be withdrawn via bank transfer after admin approval.

## Contact

- Website: https://lotpay.app
- Support available 24/7 via the in-app contact form, email, and phone