--- title: "About NexPay — The people behind your payments" description: "NexPay is built on a decade of experience in international education payments. We built our team where our students are — São Paulo, Bogotá, Santiago, Mexico City, Sydney, London, and Vancouver. Every payment gets a person, not a ticket number." lastModified: "2026-06-02" lang: "en" url: https://nexpay.com.au/about --- ## Site navigation - For businesses - [For ed. agents](/for-education-agents.md) - [For schools & colleges](/for-schools.md) - [For universities](/for-universities.md) - [For accommodation](/for-accommodation.md) - [Why NexPay?](/about.md) - [Pricing](/pricing.md) - [AI automation](/payments-ai-automation.md) - [For students & parents](/for-students-and-parents.md) - Help & resources - [Training](/training.md) - [Blog](/blog.md) - [Events](/events.md) - [Zapier integration](/zapier.md) - [Claude & ChatGPT](/mcp.md) — Claude & ChatGPT integration - [Contact](/contact-us.md) - [Login](https://portal.nexpay.com.au/login) # About NexPay — The people behind your payments > NexPay is built on a decade of experience in international education payments. We built our team where our students are — São Paulo, Bogotá, Santiago, Mexico City, Sydney, London, and Vancouver. Every payment gets a person, not a ticket number. ## Breadcrumb - [About](/about.md) ## Behind every payment, there's a person. Not a ticket number. NexPay was built on over a decade of hands-on experience in international education. We've seen what happens when a parent in São Paulo sends tuition to Sydney and gets nothing but a reference number. No name, no update, no peace of mind. We started NexPay because we knew it could be better. We built our team where our students are — São Paulo, Bogotá, Santiago, Mexico City — and where their schools are, in Sydney, London, and Vancouver. Latin America is where we go deepest: a parent in Chile needs someone who understands Webpay, speaks their Spanish, and picks up the phone in their timezone. We serve students from Europe, Asia, and North America too — because trust shouldn''t depend on a postcode. Technology makes us fast. Our people make us trusted. ## Our commitments to you. They're promises we strive to keep every day. - **We'll know your name:** Every payment gets a dedicated team member. Not a chatbot, not a queue — a real person who follows your payment from start to finish. - **We'll beat your deadline:** Tuition deadlines don't wait. We treat every deadline as urgent, because to you, it is. - **We'll be honest about fees:** No hidden charges, no surprise markups. You'll see exactly what you're paying before you confirm. - **We'll tell you where your money is:** Real-time tracking and proactive updates. You'll never have to chase us for a status. - **We'll own our mistakes:** If something goes wrong, we'll tell you first, fix it fast, and make sure it doesn't happen again. - **We won't make you start over:** Your details stay on file so you never have to repeat yourself or explain from scratch. ## Why NexPay Here's how we compare — honestly. #### Your bank **Our way:** Pay in your local currency. Funds often arrive the same day. Someone calls you when they do. **Their way:** SWIFT wires hop through correspondent banks — typically 3–5 days, each bank along the route can deduct fees, and you track it through a reference number. - **Speed** — Our way: Same-day settlement on supported corridors · Their way: 3–5 business days via SWIFT correspondent banking - **Fees** — Our way: Full cost shown upfront before you confirm · Their way: Intermediary bank fees, FX markups, and lifting charges may apply - **Tracking** — Our way: Real-time status with proactive updates from your account manager · Their way: SWIFT reference number with limited intermediate visibility - **Support** — Our way: Named team member who knows your payment · Their way: General call centre routing without continuity on your case #### Wise **Our way:** A named team member verifies the school, checks your details before you send, and calls you proactively if something looks off. Tuition workflows built in — school reconciliation, agent commissions, payment links. **Their way:** A general-purpose global transfer platform — fast, low-cost, with real local payment support including PIX in Brazil. Built for self-directed transfers; the sender carries the responsibility for verifying the recipient. - **Built for** — Our way: Education payments — tuition workflows, school reconciliation, agent commissions · Their way: General international money transfer across all use cases - **Verification** — Our way: We verify the school and check details before you send · Their way: Sender confirms recipient details; Wise sends what you instructed - **Support model** — Our way: Named account manager who knows your payment — reachable via WhatsApp, email, or phone in your time zone · Their way: 24/7 phone, chat, email, and help centre — support handled through shared queues - **LATAM payment methods** — Our way: PIX, SPEI, Webpay, Boleto built in for tuition flows · Their way: PIX in Brazil and broad coverage of consumer payment methods #### Flywire **Our way:** Four offices across Latin America — São Paulo, Bogotá, Santiago, Mexico City — staffed by native Portuguese and Spanish speakers in their own time zones. PIX, SPEI, Webpay, and Boleto built in. Parent pays once, we split at source: tuition to the school, commission to the agent, in one operation. **Their way:** Boston-headquartered, remote-first global platform with a dedicated LATAM team but no offices in the region — a serious LATAM presence, coordinated from outside the corridor rather than from within it. - **LATAM presence** — Our way: Four offices in São Paulo, Bogotá, Santiago, Mexico City · Their way: Dedicated LATAM team, no offices in the region - **Where the company started** — Our way: Built inside Latin America from day one · Their way: Expanded into Latin America in 2021 - **How agents get paid** — Our way: Parent pays once — school gets tuition, agent gets commission, split at source in one operation · Their way: Institutions configure commission structures; Flywire automates the calculation - **Team in your time zone** — Our way: LATAM team in LATAM time zones, native speakers · Their way: Distributed remote-first team across 14 global offices #### Edwallet **Our way:** NexPay holds the AFSL for non-cash payment services to retail and wholesale clients, plus AUSTRAC remittance registration. We process every payment in-house — the team you call handles your funds. **Their way:** Edwallet is operated by Edvisor; the underlying payment processing is provided through their partnership with TransferMate (per Edvisor's own help docs). Two companies in the flow — the platform and the licensed payment provider. - **Regulatory status** — Our way: AFSL (non-cash payments, retail + wholesale) and AUSTRAC remittance registration — held by NexPay directly · Their way: TransferMate holds the payment licence; Edvisor operates the Edwallet platform - **Who you contract with** — Our way: NexPay directly — operates the platform and coordinates settlement with regulated banking and payment partners · Their way: TransferMate, via Edvisor's Edwallet platform - **Support path** — Our way: Direct line to a named team member who can act on your payment · Their way: Issues pass between Edvisor and TransferMate - **Accountability** — Our way: One licensed company you deal with — not a chain of providers · Their way: Two providers share responsibility for the flow ## How we use AI. Freeing up humans for what matters. We use AI to handle the operational work so our team spends more time talking to you, not to spreadsheets. Technology makes us faster. It doesn't replace the person behind your payment. AI should make the human experience better, not replace it. We'd rather have a slower process with a person you can call than a faster one where nobody picks up. ### What AI handles - Payment reconciliation and matching - Document verification and compliance checks - Pulling up your history before we call you - Flagging discrepancies and anomalies - Generating reports and audit trails - Your data is not used to train public AI models ### What our team handles - Picking up the phone when you call - Checking your details before sending - Catching problems AI can't judge - Explaining what happened and why - Making the final call on every payment - Knowing your name and your deadline ## Security and accountability. We handle tuition payments — often the largest transaction a family makes in a year. We treat that responsibility seriously. NexPay holds the regulatory authorisations to provide payment services in Australia ourselves, and our infrastructure meets the standards expected of a financial-services platform. - **AFSL** _(Held)_: NexPay holds an Australian Financial Services Licence issued by ASIC, authorised to provide non-cash payment services to retail and wholesale clients in Australia. The AFSL carries retail-client obligations: clear disclosure (FSG and PDS), AFCA dispute-resolution membership, and compensation arrangements. - **AUSTRAC** _(Registered)_: NexPay is registered with AUSTRAC as a remittance provider under the AML/CTF Act. Identity verification, transaction monitoring, and regulatory reporting are handled in-house — we are the regulated entity, not a reseller of someone else's registration. - **SOC 2** _(In progress)_: We're working towards SOC 2 readiness and progressively strengthening controls around security, availability, and confidentiality of customer data. - **PCI DSS** _(Via processors)_: Card data is handled exclusively by PCI DSS-compliant payment processors. NexPay does not store full card details on its own servers. - **Encryption** _(Active)_: All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). API communications are authenticated and monitored for anomalies. - **Access controls** _(Active)_: Role-based access with multi-factor authentication. Team members only access the data they need for their role. All access is logged and audited. - **Monitoring** _(Active)_: Real-time monitoring for suspicious activity across all systems. Automated alerts escalate to our security team within minutes, not hours. ### We hold the licence. We run the platform. NexPay holds an Australian Financial Services Licence authorised for non-cash payment services to retail and wholesale clients, and is registered with AUSTRAC as a remittance service provider. The AFSL is held by NexPay, the AUSTRAC registration is held by NexPay, and the platform you interact with is built and operated by NexPay. We operate the platform, verify payment details, and work with regulated banking and payment partners to complete each transfer. One licensed company, one team you can call — not a chain of providers. ## Every claim above, on the public registers. - [Trust & Regulatory](/trust.md) ## Privacy as a right. We see your data. Here's what we do with it. Our team reads your payment details — that's how they catch a wrong bank account before you send $30,000 to the wrong place. But seeing your data comes with rules. Here's exactly what we do and don't do. These aren't aspirations. They're how we operate today. - **ACCESS** — **Your assigned team member sees your payment details:** That's how they verify the school, check the amount, and call you if something looks off. It's the whole point. - **ACCESS** — **Compliance reviews your records when required:** NexPay is registered with AUSTRAC as a remittance service provider. Our compliance team audits transactions to meet anti-money laundering and financial regulations. - **BLOCKED** — **Sale to third parties — never:** Your data is not a product. We don't sell it, share it with advertisers, or trade it with anyone outside your payment. - **BLOCKED** — **Training public AI models — never:** We use AI to process your payments faster. Customer payment data is not used to train public AI models, and the AI tools we use are configured with access and confidentiality controls designed to protect your information. - **REQUIRED** — **KYC/AML records retained per regulation:** Australian law requires us to keep identity and transaction records. We won't pretend we can delete everything on demand — but we'll tell you exactly what we hold and why. - **ENCRYPTED** — **All data encrypted in transit and at rest:** TLS 1.2+ for every connection, AES-256 at rest. Data moves between our offices in Sydney, London, Vancouver, and Latin America under the same encryption standards. ## Local offices. Global reach. Seven offices across four continents — Sydney, London, Vancouver, and four across Latin America. Our team speaks Portuguese, Spanish, and English, with our deepest expertise in Latin American payment routes. - Sydney — Australia — Level 12, 64 York St, Sydney NSW 2000 - London — United Kingdom — Chalfont Park, Gerrards Cross, Bucks - Vancouver — Canada — 997 Seymour St, Vancouver BC V6B 3M1 - São Paulo — Brazil — R. das Olimpíadas, Vila Olímpia - Bogotá — Colombia — Cra 11A #93A-22, Of 302 - Santiago — Chile — Marchant Pereira 150, Of 1002, Providencia - Mexico City — Mexico — Muzquiz 15, San Miguel Chapultepec ## We're not actively hiring. But we're always listening. careers@nexpay.com.au · CV optional, a paragraph about why this matters to you is mandatory. - [Tell us about you](mailto:careers@nexpay.com.au?subject=Working%20at%20NexPay) ## More on NexPay **Platform** - [For students & parents](/for-students-and-parents.md) - [For ed. agents](/for-education-agents.md) - [For universities](/for-universities.md) - [For schools](/for-schools.md) - [For accommodation](/for-accommodation.md) - [AI automation](/payments-ai-automation.md) - [Pricing](/pricing.md) **Help & resources** - [Training](/training.md) - [Contact](/contact-us.md) - [Developers](/api.md) - [Zapier integration](/zapier.md) - [Claude & ChatGPT](/mcp.md) — Claude & ChatGPT integration **Company** - [About](/about.md) — About NexPay - [Jobs](/about.md#jobs) - [Blog](/blog.md) - [Media](/media.md) - [Events](/events.md) **Trust & locations** - [Trust & Regulatory](/trust.md) - [Our offices](/locations.md) **Legal** - [Terms and Conditions](/terms-and-conditions/) - [Privacy policy](/privacy-policy/) - [Cookie Policy](/cookie-policy/) - [Complaints Policy](/complaints-policy/) - [Financial Services Guide](/financial-services-guide/) - [Product Disclosure Statement](/product-disclosure-statement/) - [AML Policy](/aml-policy/) - [Target Market Determination](/target-market-determination/) - [Group Regulatory Disclosure](/group-regulatory-disclosure/) - [Fees & FX Schedule](/fees-and-fx/) - [Developer & API Terms](/developer-terms/) ## NexPay NexPay Pty Ltd (ABN 56 153 910 984) holds Australian Financial Services Licence No. 560782 and is authorised to provide non-cash payment services to retail and wholesale clients in Australia. - **Address:** Level 12, 64 York St, Sydney NSW 2000, Australia - **Support:** [support@nexpay.com.au](mailto:support@nexpay.com.au) - **Status:** [https://nexpay1.statuspage.io/](https://nexpay1.statuspage.io/) **Follow NexPay** - [LinkedIn](https://au.linkedin.com/company/nexpay) - [Instagram](https://www.instagram.com/nexpayau/) - [Facebook](https://www.facebook.com/NexPayAU) © NexPay Pty Ltd