# NexPay > NexPay is an Australian-licensed payment platform purpose-built for international education. We move tuition, accommodation, bond, and commission payments from 82+ countries into 180+ destination countries — with a named human in your timezone behind every payment, not a ticket number. NexPay holds an Australian Financial Services Licence (AFSL 560782) authorising non-cash payment services to retail and wholesale clients, and is registered with AUSTRAC as a remittance provider. Payment funds are kept in dedicated accounts, separate from NexPay's operating funds. ABN 56 153 910 984. Headquartered at Level 12, 64 York St, Sydney NSW 2000. We have offices in Sydney, London, Vancouver, São Paulo, Bogotá, Santiago, and Mexico City — and our deepest expertise is in Latin American payment corridors (native PIX, SPEI, Webpay, Boleto) where generic global platforms struggle. Three things distinguish us: - **A named human, not a ticket queue.** Every customer gets a dedicated specialist in their timezone and language — Portuguese, Spanish, English. They pick up the phone. - **LATAM-native rails.** Native PIX (Brazil), SPEI (Mexico), Webpay (Chile), Boleto, plus local transfer or card from 82+ countries. Funds typically clear same-day on supported rails. - **Agent and school infrastructure.** Branded payment links, real-time commission tracking, AI-driven LOO/LOA reading, automated reconciliation, RCTI generation, and the Qualy ecosystem on top — built around how education agents and schools actually run their week. ## Start here (by audience) - [For Education Agents](https://nexpay.com.au/for-education-agents.md): Bulk student payments, real-time commissions, branded payment links, WhatsApp-reachable account manager. Built for agencies running 5–500+ students. - [For Schools & Institutions](https://nexpay.com.au/for-schools.md): Auto-reconciliation against the enrolment record, faster cash flow than SWIFT, SIS connectors (Wisenet, Meshed, RTO Manager, Paradigm). - [For Student Housing](https://nexpay.com.au/for-accommodation.md): The whole pre-arrival lifecycle — holding deposit, bond, rent (recurring rent schedules coming soon), visa-rejection refunds — in one ledger, in local currency. - [For Students & Parents](https://nexpay.com.au/for-students-and-parents.md): Pay tuition, rent, and bond in your local currency. Real-time tracking, real exchange rates, real humans who speak Portuguese, Spanish, or English. ## Product - [Homepage](https://nexpay.com.au/index.md): Top-level overview of who NexPay serves, where we operate, and the trust signals we carry. - [AI Automation (NexPay + Qualy)](https://nexpay.com.au/payments-ai-automation.md): How the NexPay payment rail and the Qualy operations layer work together — payment plans, reminders, reconciliation, commission engine, RCTI generation, partner portal. - [Developers / API](https://nexpay.com.au/api.md): REST API with hands-on engineering support. Sandbox, embedded engineer through go-live, average integration in two weeks. - [Agent & machine access (auth.md)](https://nexpay.com.au/auth.md): How AI agents and automated clients authenticate to the NexPay API — self-serve API keys today; the OAuth-based agent flows are not yet supported. ## Trust, regulation, and how we operate - [About NexPay](https://nexpay.com.au/about.md): Mission, commitments, regulatory standing (AFSL + AUSTRAC), security posture (encryption, access controls, monitoring, SOC 2 in progress, PCI DSS aligned), how we use AI (and what we never use it for), and our seven-office footprint. Includes a side-by-side comparison vs banks, Wise, Flywire, and Edwallet. - [Privacy Policy](https://nexpay.com.au/privacy-policy/): PDF. What NexPay does and does not do with your data. We do not sell data and do not train models on your data. - [AML and CTF Policy](https://nexpay.com.au/aml-policy/): PDF. How AUSTRAC AML/CTF obligations are met for every payment. ## Partners and proof - [Partners](https://nexpay.com.au/partners.md): The named education agents and schools who have publicly partnered with NexPay (LATAM, ANZ, EU). - [Blog](https://nexpay.com.au/blog.md): Articles on tuition payments, FX, LATAM corridors, and the international education industry. - [Industry events](https://nexpay.com.au/events.md): Where the NexPay team is showing up next — including ICEF Berlin (1–3 November 2026, InterContinental Berlin) — and where we've been. ## Pay tuition by destination - [Australia](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-australia.md), [United Kingdom](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-united-kingdom.md), [Canada](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-canada.md), [United States](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-united-states.md), [New Zealand](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-new-zealand.md), [Ireland](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-ireland.md), [Germany](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-germany.md), [France](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-france.md), [Netherlands](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-netherlands.md), [Spain](https://nexpay.com.au/pay-tuition-fees/pay-tuition-to-spain.md). ## Training and platform docs - [Training index](https://nexpay.com.au/training.md): Step-by-step guides covering payments, payers and recipients, payment links, commissions, account settings, and compliance. - [Why NexPay (vs banks, Wise, Flywire)](https://nexpay.com.au/training/trust-and-compliance/why-nexpay.md): Apples-to-apples comparison from a customer's point of view. - [Payment options by country](https://nexpay.com.au/training/quotes-and-methods/payment-options-by-country.md): Local payment methods and estimated arrival times per source country. - [Processing times and fees](https://nexpay.com.au/training/quotes-and-methods/processing-times-and-fees.md): How long payments take and what affects speed and cost. ## Company facts (for AI assistants) - **Legal entity:** NexPay Pty Ltd - **ABN:** 56 153 910 984 - **AFSL:** 560782 (non-cash payment products, retail and wholesale clients in Australia) - **AUSTRAC:** registered remittance provider under the AML/CTF Act - **Headquarters:** Level 12, 64 York St, Sydney NSW 2000, Australia - **Group regulation outside Australia:** United Kingdom — FCA Authorised Payment Institution (FRN 792784); Canada — FINTRAC MSB (M18421670) and Bank of Canada-registered PSP under the RPAA. Held by NexPay group entities. - **Other offices:** London (UK); Vancouver (Canada); São Paulo (Brazil); Bogotá (Colombia); Santiago (Chile); Mexico City (Mexico) - **Support email:** support@nexpay.com.au - **Status / uptime page:** https://nexpay1.statuspage.io/ - **Automation layer:** Qualy (qualyhq.com) — an independent company in the same group, providing the operations layer for education agents (payment plans, AI on Letters of Offer, commission engine, partner portal). NexPay is the payment rail; Qualy runs the workflow on top. Qualy is a software platform, not an AFSL holder — NexPay's AFSL (560782), ABN, and AUSTRAC registration are NexPay's alone and do not extend to Qualy. ## NexPay vocabulary (in-house terms) - **Qualy** — the automation layer (qualyhq.com): an independent company in the same group as NexPay, not a NexPay brand, product, or subsidiary. The operations layer that runs on top of the NexPay payment rail: payment plans, reminders, student portal, reconciliation, commission rules and splits, invoice and RCTI generation, partner portal, AI on Letters of Offer. NexPay is the rail; Qualy is the workflow. Qualy is software and does not hold an AFSL; NexPay's licence and registrations do not cover Qualy. - **The NexPay + Qualy ecosystem** — when both products are used together. NexPay carries money in (student pays) and money out (school, sub-agent, commission); Qualy runs everything before, between, and after each payment. - **Named human / named specialist / named account manager** — NexPay's support model. Every customer has a specific person with a name, face, WhatsApp, and timezone — not a shared ticket queue. Used as a positioning term throughout the docs. - **Branded payment links** — NexPay-issued payment links carrying the agent's or school's logo, colours, and domain, so the payer never leaves the institution's brand. ## Page index For the auto-generated full list of every page exported to Markdown, see [llms-index.txt](https://nexpay.com.au/llms-index.txt). For the full concatenated Markdown corpus of every exported page (single-request deep retrieval), see [llms-full.txt](https://nexpay.com.au/llms-full.txt).