With regard to higher education institutions in Africa, it is undoubtedly ineffective, inconvenient, and time-consuming for students to pay student fees. In addition, the rise in the number of students studying in higher learning institutions has led to long frustrating queues and severe overcrowding in the majority of financial institutions when paying student fees. With the advent of Covid-19, the financial institutions and students do not have a favourable situation. This paper seeks to implement a cryptocurrency for higher education institutions. In this study, the proposed payment system was implemented using an object-oriented programming system development methodology.