# Cowry - Payments App — Payment for micro-transaction

> Mobile app for managing micro-transactions and topping up payment credit. (iPhone/iPad app by Touch and Pay Technologies Limited.)

- Source: https://appshunter.io/ios/app/cowry-payments-app/id1556632029 (this page in markdown: same URL + `.md`)
- Developer: [Touch and Pay Technologies Limited](https://appshunter.io/developer/1556632031)
- Category: Finance
- Price: Free
- Rating: 3.49/5 from 57 App Store ratings · 33 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 87 MB
- Languages: English
- Released: 2021-11-13
- Data updated: 2026-08-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews.md

## What is Cowry?

What's new about this Cowry Payments App

Your phone is now your ticket. Browse bus and rail routes, buy tickets instantly, and scan your QR code to tap in and out, no card or cash needed.

What’s great about The Cowry Payments app?

• Top up pay as you go credit through bank transfers, or cash
• Check payment history
• Check all the bus routes
• Check your pay as you go balance
• Transfer credit among your friends and family
• Airtime Recharge
• Allow notifications when your pay as you go balance falls below a certain amount

Keeping on top of your spend is easy; see the date, time and cost of your journeys as far back as possible.

The Transport for Lagos Cowry and contactless app will request access to your camera. This is so that you can scan your bus QR code. We will never store the scanned pictures. 

Please provide any feedback using this link https://touchandpay.me/contact

## Key features

- Top up credit via bank transfers or cash
- Check payment history
- View pay as you go balance
- Transfer credit to friends and family
- Airtime recharge
- Low balance notifications
- Scan bus QR codes

## Recent user reviews (10 of 33)

All indexed reviews: https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews.md

### 1/5 — REGISTER HORROR

*2026-05-17, version 3.14*

REGISTRATION PAGE IS A MESS. Please fix the keypad that doesn’t retract.

### 1/5 — Bad app

*2026-04-13, version 3.14*

Very bad app I can’t even signup on the app

### 5/5 — Check my wallet balance

*2025-06-17, version 3.12*

I can track how much I have left with my app without having to visit an agent first

### 1/5 — Too slow and doesn’t display my actual balance.

*2025-06-03, version 3.12*

The app is good quite alright but it’s too slow when it comes to tracking my card records. I top up my cowry card and it takes hours sometimes days to reflect which is too bad. It’s too bad because on several occasions I’ve been scammed when topping up my card. They don’t recharge the exact amount I request for and the only reason why I downloaded this app is to track my transaction and check my balance which it never even displays the actual balance.. please work on those areas I request, asides that the app is all good

### 1/5 — Not Accurate

*2025-05-08, version 3.12*

The wallet doesn’t update your balance immediately, this gives the staffs an opportunity to steal from you

### 1/5 — This app Needs to be worked on seriously

*2024-12-22, version 3.9*

After topping up the money update doesn’t come instantly… I download the app to track and know how much I have left on my card for terminals that don’t have the manual balance checker…

But it doesn’t do that.. if you don’t know how much is there and you told the cashier to top up an amount for you they sometimes top up half of what you request or little sometimes… 

I go catch one person one day (I promise)
Please fix it Abeg 🙏🏾

### 1/5 — Bad Functionality

*2024-10-25, version 3.8*

The registration page isn’t functional. This is a big shame to the development team for rolling out a new version without testing

### 4/5 — Payments on the go

*2024-10-07, version 3.8*

I love the fact that I can actually use my card on BRT, train and ferry. Thumbs up!

### 1/5 — Angry

*2024-06-29, version 3.7*

I can’t update my KYC, this is the worst app ever

### 1/5 — Wallet

*2024-04-03, version 3.5*

How can I move money from my wallet to card?

## Frequently asked questions about Cowry

### What does the Cowry app do?

The Cowry app allows users to manage their micro-transaction payments. You can top up your pay-as-you-go credit using bank transfers or cash, check your payment history and balance, and transfer credit to friends and family. It also supports airtime recharge and provides low balance notifications.

### How can I top up my credit?

You can top up your pay-as-you-go credit through bank transfers or by using cash. The app provides convenient options to ensure you always have sufficient credit for your transactions.

### Is the Cowry app free to use?

Yes, the Cowry app is free to download and use. There are no upfront costs associated with using the app's core features for managing payments and topping up credit.

### What is the camera access for?

The app requests camera access to allow you to scan bus QR codes. This feature facilitates quick and easy payments for transport services. The scanned pictures are not stored by the app.

### Can I transfer credit to other users?

Yes, you can transfer credit among your friends and family directly through the app. This feature makes it easy to share or send credit to loved ones.

## Version history (last 5 releases)

### 3.15 — 2026-06-22

Your phone is now your ticket. Browse bus and rail routes, buy tickets instantly, and scan your QR code to tap in and out, no card or cash needed.

### 3.14 — 2026-03-19

- improve performance
- Virtual Card Managment
-In-app Support Chat 
     - supports sharing video and images

### 3.13 — 2025-10-17

- Fix Geofencing around train booking
- Interstate Trip Booking
- Customer Support Chat Now Supports, sharing documents.
- Virtual Card

### 3.12 — 2025-03-23

- Bugfix
-Performance improvements

### 3.11 — 2025-02-20

- Performance improvement
- Bugfix

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## More apps by Touch and Pay Technologies Limited

- [Cowry Merchant Pay](https://appshunter.io/ios/app/cowry-merchant-pay/id1620355240)

All apps by Touch and Pay Technologies Limited: https://appshunter.io/developer/1556632031

## Related topics

[cowry](https://appshunter.io/ios/topics/cowry) · [cowry card](https://appshunter.io/ios/topics/cowry-card) · [cowries](https://appshunter.io/ios/topics/cowries) · [cowrie wise](https://appshunter.io/ios/topics/cowrie-wise) · [cowrywise](https://appshunter.io/ios/topics/cowrywise)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-20.*