What's the problem with existing school-fee payment options?

• in person: the few who live near the school or who are fortunate enough to afford travel to the school can pay directly to the school accountant and obtain a hand-written receipt. However, most children rely on support from a relative or friend who lives far away;
• via a third-party: money can be sent via a third-party or a bush-taxi driver; this costs money and is risky. Parents have complained that money tends to get lost, stolen, or delayed;
• via CLCAM: Benin offers a system of government-backed agricultural banks that allow individuals to transfer money à la Western Union. The donor must go to an agency and send to another agency. The problem: this depends on the availability of CLCAM agencies, which are not omnipresent and which maintain limited office hours. The transaction fee is also significant (they will take $2 for a $30 transfer, for example).