--- title: "Meet Qualy: NexPay's payment automation partner for international education" description: "Why NexPay partners with Qualy — a separate company automating the domestic side of international education payments end-to-end. Multi-method tuition collection, recurring installments, 100% automatic bank reconciliation, instant commission payouts, automated overdue chasing — paired with NexPay's regulated cross-border service so schools, agents, students and parents get one integrated experience." date: "2026-06-02" category: "Announcements" author: "NexPay Team" cover: "/images/blog/qualy-nexpay-partnership.jpg" lang: "en" url: https://nexpay.com.au/blog/meet-qualy-our-automation-partner --- ## 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) # Meet Qualy: NexPay's payment automation partner for international education *Why NexPay partners with Qualy — a separate company automating the domestic side of international education payments end-to-end. Multi-method tuition collection, recurring installments, 100% automatic bank reconciliation, instant commission payouts, automated overdue chasing — paired with NexPay's regulated cross-border service so schools, agents, students and parents get one integrated experience.* --- There's a small absurdity at the heart of cross-border education payments. The part that's most visible to the customer — a bank-transfer screen, a confirmation email, a number in their account — is the simplest. The part that's almost completely invisible — getting the right amount, to the right account, matched to the right student, with commissions split to the right agents, in the right currency, on the right day — is where almost all the work actually lives. This article is about that invisible work, and a company we partner with to do most of it. Their name is [Qualy](https://qualyhq.com?utm_source=nexpay&utm_medium=referral&utm_campaign=blog&utm_content=meet-qualy). If you've been on the NexPay home page recently, you've seen them there. NexPay is the regulated cross-border payment platform — built specifically for international education, with offices across Latin America, Australia, the UK, and Canada. Our focus is the cross-border leg: moving tuition money between countries safely, under licences in three jurisdictions, with a human team behind every payment. Qualy is a separate company with a complementary focus. Their tagline says it plainly: *"Receive tuition fees, and send commission. Made for international education payments."* Qualy is a payment platform schools and education agents use to collect tuition through dozens of local payment methods, set up domestic recurring payments and installment plans, reconcile incoming funds against the right student, settle commission payouts instantly, and chase overdue payments — all from one real-time dashboard. Their territory is the domestic side: what happens inside the payer's country and inside the school's country, before and after the money has to cross a border. Together, the split is clean. **NexPay handles the cross-border movement and the regulated, human service that surrounds it. Qualy handles the domestic payment platform — including recurring tuition installments — on either side of that border.** Where the two meet, NexPay's customers get an integrated experience: domestic and cross-border in one workflow, instead of two systems to stitch together. Two companies. One promise: a payment platform that does the operational work end-to-end, so NexPay's people can be present where presence actually matters. --- ## Why a partnership, not an in-house build The honest version: because the two jobs are different companies, and we got tired of pretending they should be the same one. NexPay's job is moving money safely across borders for tuition. That is a deeply human, deeply regulated business. Schools want a counterparty that actually understands education — enrolment cycles, term dates, deferral policies, the rhythm of how their year works — not a generic processor that treats a tuition payment like a wholesale invoice. Agents want a named person they can reach in their language. Parents want someone real on the other end when $30,000 of their savings has just left the country — by message, by email, or by call, whichever channel they actually use. Regulators want a licensed entity standing behind every transaction. None of this is software's strength. Qualy's job is the payment platform itself: collecting tuition through dozens of local payment methods (PIX in Brazil, Boleto, PayTo and PayID in Australia, Wise, Klarna, the major card networks, and more), automatically reconciling deposits with the right student via custom statement descriptors and unique reference numbers, splitting and paying commissions to schools and agents in under ten seconds, and chasing overdue payments without a human having to remember to send the reminder. All in a real-time dashboard schools and agents actually want to log into. These are different problems. They need different teams, different roadmaps, and different design philosophies. NexPay is built and run by people whose careers are in regulated cross-border payments and the human service that surrounds them. Qualy is built and run by people whose careers are in shipping a clean, scalable payment platform for international education — they have their own customers (GoStudy, Universal English College, EasyOz, Site Institute, Youtoo, and more), their own multi-jurisdictional company structure across Estonia, Australia and Brazil, and their own product roadmap. Two focused teams going deep on their respective domains produces a sharper result for everyone — for NexPay's customers, for Qualy's customers, and for the schools, agents, and families who use what each of us builds. > **"NexPay handles the relationship. Qualy handles the reconciliation, the commissions, and the chasing — so your team can focus on students."** By staying two separate companies with a deep integration, each side gets to optimise for what it actually needs. NexPay stays sharply focused on regulated cross-border education payments and the human service that makes them safe. Qualy stays sharply focused on being the best payment platform for international education — for NexPay's customers first, and for the schools and agents they serve directly. --- ## What Qualy actually does (in plain English) Five things. None of them sound especially exciting until you've watched a finance team try to reconcile a Brazilian bank statement against a list of student names at midnight, the night before an enrolment deadline. After that, you start to find them quite exciting indeed. **Multi-method tuition collection.** Qualy lets students pay through the payment methods they actually use at home. PIX in Brazil. Boleto. PayTo and PayID in Australia. Wise. Klarna. Visa, Mastercard, American Express, Discover, Diners Club, Carte Bleue. The student picks the option that's familiar and convenient; the school or agent receives the funds without having to integrate any of these gateways themselves. For NexPay's LATAM-heavy customer base, having native PIX and Boleto in the payer flow is the difference between "the parent paid in one click" and "the parent gave up and called us." **Domestic recurring payments and installment plans.** Not every family pays a year of tuition in one lump sum, and increasingly, not every school wants them to. Qualy handles domestic recurring debits through local payment networks — PayTo and BECS direct debit in Australia, equivalent networks in other countries — so a student or parent can pay tuition in monthly or term-based installments, automatically, from their domestic bank account. This is the part NexPay has deliberately stayed out of: domestic recurring payments are a domestic automation problem, not a cross-border one. Qualy is built for it; we partner with them for it. **Bank reconciliation that actually hits 100%.** This is the one most finance teams care about more than they admit, and it's where Qualy's engineering is most visibly ahead of the category. Qualy issues a unique, addressable target for every single payment: a virtual IBAN (vIBAN) for European and global bank transfers, a custom PayID for Australian payments, or a dynamic PIX key/QR for payments in Brazil. When the deposit lands in the receiving bank account, it lands with an identifier that maps one-to-one to a specific student, course, and invoice — no human matching required. For the long tail of payments that still arrive without a clean reference (a parent pays from a third-party account, a corporate payer strips the memo line, a bank rewrites the narrative), Qualy runs an AI fallback that parses the raw bank-statement text and matches the payment to the right student automatically. The end result is what Qualy delivers in practice and what their customers see in their dashboards: **100% of payments reconciled automatically.** For NexPay's school and agent partners, that means the people who used to spend hours every week matching CSV exports to student lists get those hours back — and the "unidentified deposit" pile that haunts every finance team in education simply stops existing. **Instant funds and unlimited splits.** From the moment a student pays, Qualy can take the payment, process the sales commission, and have the funds available in every receiving account — school, agent, accommodation provider, OSHC, materials fee — in under ten seconds. 365 days a year, 7 days a week. The payout structure can split a single incoming tuition payment as many ways as the business needs, which matters in the education category where one student payment routinely funds half a dozen counterparties. **Overdue payment chasing.** Tuition payments slip. Students forget. Term dates approach. Qualy handles the chasing automatically — reminders before the payment is due, follow-ups after it goes overdue, on the cadence the school or agent sets — so no human has to remember whether the third reminder has already been sent to student #847. NexPay's account managers stay focused on the cases that actually need a human conversation, instead of being the human conversation for cases that don't. In every case, the pattern is the same: Qualy does the domestic side — the collection, the recurring debits, the reconciliation, the payouts, the chasing. NexPay does the cross-border side — the regulated international transfer and the human team behind it. > **"The machine does the work. The human does the caring."** --- ## What this means for you If you are an **agent**: your commissions settle in real time against accounts we've already verified with you. Your students' payments reconcile automatically. When something looks off on a payment you've initiated, you hear about it from a NexPay account manager — by name, in your language, often before the payer has noticed anything is wrong. If you are a **school, university, or accommodation provider**: incoming tuition payments arrive reconciled against the student references your finance team expects. Your team stops being the matching engine. Splits to OSHC, enrolment fees, materials fees, and other counterparties happen automatically. Overdue chasing happens without anyone having to remember to send the reminder. The conversations you have with NexPay are about students, not about chasing missing reference numbers. If you are a **parent or student**: most of the time, you see nothing. The payment goes from your bank to your child's school, in your local currency, on the timeline you expected. The work Qualy does is invisible by design. The work NexPay does — a real person showing up, by name, when something needs explaining — is the only part you should ever need to notice. --- ## Why we chose to partner rather than build it in-house We could have tried to build a payment platform of our own — yet another payment dashboard, another reconciliation engine, another commission payout pipeline — and called it "the NexPay portal." Many fintechs do. We chose to partner with Qualy instead, for two reasons. The first is honesty about what NexPay is good at. Building genuine payment automation for international education — one platform that ingests payments through a dozen local methods, reconciles deposits to the right student without a human in the loop, splits and pays out instantly, and handles overdue follow-ups gracefully — is a real, separate product discipline. It takes a focused engineering team, a focused product roadmap, and years of iterating with real schools and real agents to get the workflow right. Qualy has done that work. Rather than try to replicate it, we work with the people whose entire company is built around solving the automation problem properly. The second is what this means for the people who actually use the result. A school running on the combination of NexPay and Qualy gets a single experience that covers the whole tuition flow: a parent in Mexico City can pay through PIX or a local card in Brazil's neighbour, an Australian student can set up a monthly PayTo direct debit for their installment plan, every deposit lands reconciled to the right student, agent commissions split out automatically, NexPay's cross-border service and human team handle the international leg, and the school's finance team logs into one dashboard to see all of it. The agent doesn't have to explain why some payments go through one system and some through another. The parent doesn't have to learn two checkout flows. The student isn't told to "use the cross-border system for this and the domestic one for that." Two specialised companies, one integrated experience for everyone in the chain. For NexPay customers, the partnership is invisible by design. The integration is deep, the data flows are seamless, and the human service is the same as it has always been. Qualy is the automation engine powering the domestic side — collection, reconciliation, payouts, recurring, chasing. NexPay is the regulated cross-border service and the human team you interact with throughout. For Qualy, NexPay's customers are an important cross-border deployment of their automation platform — alongside the schools and agents already running on Qualy directly, such as GoStudy, Universal English College, EasyOz, Site Institute, and Youtoo. --- For NexPay's customers, the practical news is this. The parts of an international education payment that should just work automatically — collection in whichever local method the family actually uses, recurring debits for installment plans, deposits that reconcile to the right student on their own, commissions that split out to agents and accommodation providers in seconds, overdue chasing that doesn't sit in someone's mental to-do list — now do. Quietly. In the background. Because they run on Qualy, a separate company that has spent years building exactly this. NexPay still does what NexPay has always done: the regulated cross-border movement of the money, and the human team that picks up when something needs explaining. Together, the experience is the one most people in international education have been waiting for without quite being able to describe — fewer spreadsheets, fewer missing deposits, fewer late-night reconciliation sessions, fewer parents calling to ask whether the payment arrived. More time spent on students. If that sounds a little anticlimactic, good. The best payment infrastructure is the kind you stop having to think about. --- *Curious about how Qualy powers the part of NexPay you use every day? [Talk to our team](/contact-us.md) and we'll walk you through it. If you're an engineering team interested in Qualy itself, [visit Qualy](https://qualyhq.com?utm_source=nexpay&utm_medium=referral&utm_campaign=blog&utm_content=meet-qualy-footer) directly.* ## 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