---
title: "Understanding commissions - NexPay"
description: "How commissions are earned and tracked on NexPay, what the Lifetime, YTD, and Available figures mean, and where to see what you've earned."
lastModified: "2026-06-02"
lang: "en"
url: https://nexpay.com.au/training/commissions-and-settlements/understanding-commissions
---
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# Understanding commissions - NexPay

## At a glance

- **Intended for:** Agents & schools
- **Reading time:** 5 minutes
- **Last updated:** 1st June 2026

**TL;DR:** Commissions are earned on the exchange when payments you're involved in are processed, and they're tracked automatically — you don't have to record anything. The Commissions page shows three figures: Lifetime Earnings, YTD Earnings (this year), and Available (ready to withdraw). New commissions appear as students make payments. When you've built up enough, you withdraw them via a commission withdrawal.

{/* Body content for understanding commissions */}

## What you've earned, tracked for you

If part of your business is earning a commission when families pay tuition, the last thing you want is to track it by hand in a spreadsheet. NexPay does it for you. Commissions are earned on the exchange when payments you're involved in are processed, and they're recorded automatically — every one, with the payment and student attached. Your job is simply to watch them accumulate and withdraw them when you're ready.

This article explains how commissions are earned, what the headline figures mean, and where to find the detail.

> **For agents and schools:** This is one of the most-checked pages on the platform. Knowing exactly what each figure means — and that everything is tracked automatically — turns commissions from a chore into a number you glance at.

## How commissions are earned

A commission is earned **on the exchange** when a payment you're involved in is processed through NexPay. You don't record anything or do any maths — as students make payments, new commissions appear on your Commissions page, each tied to the payment and student it came from. That automatic, itemised tracking is the whole point: you can always see not just *how much* you've earned, but *which payments* it came from.

> **Worth knowing:** Because every commission links back to a specific payment and student, you can reconcile your earnings against your own records with confidence. If a figure ever looks off, you can trace it to the payment behind it.

How much each commission comes to depends on your arrangement and the payment itself, so rather than a fixed headline rate, the platform shows you the actual amount earned on each individual payment. To see what you earned on a given payment, find it in the commission list — the amount is right there next to the student and date. If you want to understand your effective rate, your NexPay contact can walk through how your commissions are structured.

## The three figures that matter

Open **Commissions** (under the "Others" menu) and the top of the page shows three numbers:

- **Lifetime Earnings** — everything you've earned through NexPay over time
- **YTD Earnings** — what you've earned so far this year
- **Available** — the amount that's ready to **withdraw** right now

Of the three, **Available** is the one to act on. Lifetime and YTD tell the story of your earnings; Available tells you what you can actually take out today.

If you've earned in more than one currency, you'll see each currency represented, and when you go to withdraw, the platform works out the combined total in Australian dollars so you can tell whether you've reached the minimum.

## Seeing the detail

Below the headline figures is the list of individual commissions — each with its **payment**, **student**, **amount**, and **date**. You can filter by date, payment, or student to find a specific one or to total up a period.

The page also has tabs that separate your **Outstanding** commissions (earned and not yet withdrawn) from withdrawals **Sent to you** (your withdrawal history). That split makes it easy to see what's still to come versus what you've already actioned.

> **Quick tip:** If you're reconciling a particular intake or term, filter the commission list by date. You'll get a clean total for just that period rather than scrolling your whole history.

## Commissions versus split links

It's worth drawing the line clearly, because the two are easy to conflate:

- **Commissions on the exchange** are earned and tracked automatically as payments process, and you withdraw them in a batch.
- A **percentage-split link** divides one specific payment between the institution and your organisation, at the moment it's paid (see [percentage-split links](/training/payment-links/percentage-split-links.md)).

They're separate mechanisms, and depending on your arrangement you might rely on one or both. This article is about the first.

## When you're ready to get paid

Once your **Available** balance reaches the minimum needed, you can withdraw your commissions. The withdrawal process — selecting which commissions to include, attaching an invoice, and submitting — is covered in detail in [requesting a payout](/training/commissions-and-settlements/requesting-a-payout.md).

## Your next step

- **Ready to withdraw?** Read [requesting a payout](/training/commissions-and-settlements/requesting-a-payout.md).
- **Earning through split links too?** See [percentage-split links](/training/payment-links/percentage-split-links.md).
- **A school tracking money settled to you?** See [settlements](/training/commissions-and-settlements/settlements.md).
- **Don't see Commissions in your menu?** Read [roles and what you can see](/training/getting-started/roles-and-what-you-can-see.md).

## Checkpoint

After reading this, you should be able to:

- Explain that commissions are earned on the exchange and tracked automatically
- Interpret the Lifetime, YTD, and Available figures, and know Available is what you can withdraw
- Find the itemised commission list and filter it by date, payment, or student
- Use the Outstanding and "Sent to you" tabs to separate pending from completed
- Tell a commission on the exchange apart from a percentage-split link

## Frequently asked questions

### How do I earn a commission?

Commissions are earned on the exchange when payments you're involved in are processed through NexPay. They're tracked for you automatically — there's nothing to log or calculate. As students make payments, new commissions appear on your Commissions page.

### What do Lifetime, YTD, and Available mean?

Lifetime Earnings is everything you've earned over time. YTD Earnings is what you've earned this year. Available is the amount that's ready to withdraw right now. Available is the figure to watch when you're thinking about requesting a payout.

### Where do I see my commissions?

Open Commissions from the menu (under "Others"). The top shows your Lifetime, YTD, and Available figures, and below is a list of the individual commissions with their payment, student, amount, and date. You can filter by date, payment, or student.

### When can I withdraw my commissions?

Once your Available commissions reach the minimum needed to withdraw. The withdrawal screen tells you whether you've met the minimum and shows how much more you'd need if not. See requesting a payout for the full process.

### Can commissions be in more than one currency?

Yes. If you've earned in multiple currencies, your figures show each, and the platform works out the combined total in Australian dollars when you withdraw, so you can see whether you've met the minimum overall.

### Is a commission the same as a percentage-split link?

No. Commissions on the exchange are earned and tracked automatically as payments process. A percentage-split link is a separate tool that divides a specific payment between the institution and you at the moment it's paid. You might use both, depending on your arrangement.

## 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/)

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