CampusPayHub

Shared tuition payments for families—split, track, and pay from any fintech.

Score: 7.7/10MexicoMedium BuildReady to Spawn
Brand Colors

The Opportunity

Problem

Fintech users must resort to manual bank transfers for university tuition and fee payments due to absent integrations with university payment portals.

Solution

CampusPayHub lets families split tuition costs, track contributions from multiple fintechs, and pay unis collectively. Parents/students invite sharers, set splits, and execute group payments seamlessly. It generates shared receipts and tax docs.

Target Audience

University students and parents using fintech apps for everyday banking and payments

Differentiator

Group payment splitting tailored for multi-parent tuition funding.

Brand Voice

professional

Features

Group Creation

must-have12h

Create payment group and invite members.

Split Allocation

must-have10h

Set % splits among members.

Collective Pay

must-have16h

Aggregate funds and pay uni.

Contribution Tracker

must-have12h

Real-time who-paid-what view.

Shared Receipts

must-have9h

Group-accessible payment proofs.

Tax Export

nice-to-have6h

CSV for deductions.

Recurring Splits

nice-to-have8h

Auto-repeat for semesters.

Chat Integration

nice-to-have10h

In-app group discuss payments.

Total Build Time: 83 hours

Database Schema

users

ColumnTypeNullable
iduuidNo
emailtextNo

Relationships:

  • many-to-many with groups

groups

ColumnTypeNullable
iduuidNo
nametextNo
uni_iduuidNo

Relationships:

  • many-to-many with users
  • one-to-many with payments

payments

ColumnTypeNullable
iduuidNo
group_iduuidNo
total_amountintNo
statustextNo

Relationships:

  • foreign key to groups.id

contributions

ColumnTypeNullable
iduuidNo
payment_iduuidNo
user_iduuidNo
share_amountintNo

Relationships:

  • foreign key to payments.id, users.id

API Endpoints

POST
/api/groups/create

New payment group

🔒 Auth Required
POST
/api/groups/[id]/invite

Invite member

🔒 Auth Required
POST
/api/payments/split

Calculate splits

🔒 Auth Required
POST
/api/payments/execute

Group pay uni

🔒 Auth Required
GET
/api/contributions/[groupId]

Group tracking

🔒 Auth Required

Tech Stack

Frontend
Next.js 14 + Tailwind + Shadcn/ui
Backend
Next.js API routes + Supabase Edge Functions
Database
Supabase Postgres
Auth
Supabase Auth
Payments
Stripe Connect + Plaid
Hosting
Vercel
Additional Tools
Pusher for real-time

Build Timeline

Week 1: Foundation

22h
  • Auth
  • Users/Groups DB
  • Invite system

Week 2: Core group

24h
  • Split logic
  • Fintech connect

Week 3: Payments

25h
  • Execute flow
  • Tracker UI

Week 4: Receipts and deploy

20h
  • Shared docs
  • Vercel deploy

Week 5: Nice features

18h
  • Tax export
  • Recurring
  • Chat
Total Timeline: 5 weeks • 129 hours

Pricing Tiers

Free

$0/mo

Manual splits only

  • 1 group, 2 members

Pro

$29/mo

5 members/group

  • Unlimited groups
  • Auto-splits
  • Receipts

Enterprise

$79/mo

None

  • All Pro + Unlimited members
  • Custom branding
  • API access

Revenue Projections

MonthUsersConversionMRRARR
Month 11502.5%$107$1,284
Month 61,1004.5%$1,980$23,760

Unit Economics

$12
CAC
$380
LTV
5%
Churn
87%
Margin
LTV:CAC Ratio: 31.7xExcellent!

Landing Page Copy

Split Tuition Costs with Family—Effortlessly

Group pay from multiple fintechs, track shares, done.

Feature Highlights

Easy invites
Real-time shares
Uni payments
Tax-ready receipts

Social Proof (Placeholders)

"'Grandparents contribute seamlessly!' - Lisa, Mom"
"'Perfect for divorced parents.' - Tom"

First Three Customers

Reach out to family education influencers on Instagram, comp lifetime Pro. Post in r/Parenting and offer beta spots. $100 targeted LinkedIn ads to 'college parents'.

Launch Channels

Product Huntr/smallbusinessBetaListTwitter #FamilyFinance

SEO Keywords

split tuition payments familyshared college fees fintechgroup pay university tuitionmulti parent tuition app

Competitive Analysis

Splitwise

splitwise.com
Free/Premium $5/mo
Strength

General splitting

Weakness

No uni payments

Our Advantage

Tuition-specific with fintech-uni bridge

🏰 Moat Strategy

Network effects in family groups + payment data moat.

⏰ Why Now?

Increasing multi-contributor tuition amid economic pressures 2024.

Risks & Mitigation

marketmedium severity

Niche too narrow

Mitigation

Pivot ready

technicallow severity

Real-time sync issues

Mitigation

Pusher fallback

legalmedium severity

Dispute resolution

Mitigation

Clear TOS

Validation Roadmap

pre-build7 days

Typeform to parents

Success: 60% pain confirmation

mvp21 days

Closed beta 15 families

Success: 3+ payments/group

growth30 days

Affiliate program

Success: 20% referral growth

Pivot Options

  • General bill splitting
  • Club dues
  • Event group pays

Quick Stats

Build Time
129h
Target MRR (6 mo)
$3,000
Market Size
$300.0M
Features
8
Database Tables
4
API Endpoints
5