Cowry - Payments App is a free Android application developed by Touch and Pay Technologies. It is a travel and navigation app that offers a range of features to make payments and track your trips. The app allows you to top up your wallet directly from your bank, pay for buses by scanning the QR code on the bus, and access, track, and monitor all your past trips on the app.

You can view all your wallet top-up, cards, and trips transaction on the Cowry app at your convenience. Additionally, you can find nearby bus terminals and self-service shops close to you, transfer wallet funds among your friends and family, and buy airtime from any network of your choice.

However, it is important to note that users cannot transfer wallet funds directly to their Cowry card due to security concerns. This requires meeting with a customer service agent at one of the terminals.