For travellers on hard passports, and the agents who work for them
Find the opening. Then get the file right first time.
Chevening Scholarship, one-year master's
UK Foreign, Commonwealth and Development Office
- United Kingdom is on your list
- Your qualification meets the minimum
- Asks for 2 years, you listed 1
Agents watch what missions and institutions publish. Openings reach you already matched against the countries, the field and the qualification you named. Miss a closing date and it is another year gone. Get the file wrong and the fee goes with it.
- Free plan covers a full application
- Documents deleted after a decision
1 of 4 · Find where to go
€60m
forfeited by African applicants in refused Schengen visa fees in 2024
- 45.9%
- of Schengen applications from Nigeria were refused in 2024
- 14.6%
- was the global refusal rate that same year
- 0
- of that money comes back when an application is refused
LAGO Collective, reported by CNN · Schengen visa statistics 2024
The thing nobody tells you
Most refusals are not about whether you qualify.
They are about evidence. A statement that closes outside the window. A balance with no income behind it. A name spelled one way on the passport and another on the letter. Two nights of a trip with nowhere booked. Cover of EUR 25,000 where the rule says 30,000.
Every one of those is visible in documents you already hold, hours before you submit them. Nobody checks, because checking means reading nine documents against each other and against a rulebook, and no person does that reliably at eleven at night.
That is the whole product.
How it works
Four steps, and you keep the file afterwards.
- 01
Say what you are aiming for
Work or study, the countries you have in mind, your field and the qualification you already hold. From there the agents watch published openings and mission updates and match what appears against your profile, so you are not checking twenty sites yourself.
- 02
Scan your passport, once
The biographical page and every page carrying a stamp. VisaPaddy reads the expiry, counts your blank pages, and builds your travel history from the stamps themselves.
- 03
Add your documents and see what is still uncovered
Bank statements, employer letters, invitations, bookings, insurance. Each is read against everything already on the file and against the requirement published for your route, so what is missing and what contradicts what are both on one page.
- 04
If you were refused, start from the notice
Upload the refusal. VisaPaddy reads the grounds, maps each one to what you actually submitted, and produces the list of what to add, replace and explain.
What it checks
Fifteen things, on documents you already hold.
That you are one person
- Date of birth and passport numberPassport against statement against every letter
- Name spelling across every documentIncluding initials and reordered given names
- Passport validity for this destinationSchengen is three months, not the six people assume
- Blank pages remainingTwo is the minimum, and it is counted rather than guessed
That the money is really yours
- Statement period and closing dateAgainst the appointment date, not against today
- Balance held over timeNot a figure that appeared last week
- Large credits with nothing explaining themThe single most cited financial ground
- Income corroborating the balanceA balance on its own is not funds
- Funds against the cost of the stated tripUsing the mission's own reference amounts
That the trip holds together
- Insurance validity against your return flightThe policy has to outlast the journey home
- Accommodation covering every nightBetween arrival and departure, with no gaps
- Insurance cover amountEUR 30,000 across all member states
- Itinerary consistent with the stated purposeThe bookings and the reason must describe one trip
That your history checks out
- Employer letter dates and signatoryIncluding how old it will be on the day
- Travel history against your declarationsStamps compared with what you put on the form
After a refusal
A refusal notice is a list of instructions, if you can read it.
What the notice said
V 4.2(e)Your bank statement shows a closing balance which is not supported by any regular income into the account. I am therefore not satisfied that the funds are available to you.
What to change
ReplaceReplace the statement with one that shows where the money comes from
Six months, salary credits every month, stamped by the branch. It answers the exact sentence in the notice rather than arguing with it.
The part you should be sceptical about
We are asking for your passport and your bank statement.
That is the largest ask a product can make of you, and being sceptical is the correct response. The checks cannot run on anything less, because the errors we look for are exactly the ones you would not notice while typing a summary yourself.
- Consent per document, not per account. You are told what each upload is used for at the moment you upload it, which is what the Nigeria Data Protection Act 2023 and India’s DPDP Act 2023 both require for this class of data.
- Automatic deletion after a decision. On by default. You pick the window, you see the countdown on every document, and you can delete anything sooner.
- Redaction before anything is shared. Sharing a statement into a forum without masking it is a privacy incident. The redaction tool is part of the sharing flow, not an optional extra.
- Export or delete everything, on your own. One action for a full export, one for permanent deletion. Neither needs a support ticket or a reason.
Questions
What people ask first.
Find out tonight, not at the counter.
The free plan runs a full application end to end, including every check. It is not a trial.