---
title: "Creating a payment - NexPay"
description: "Walk through NexPay's payment wizard step by step — from choosing who pays to selecting recipients, picking a quote, and confirming."
lastModified: "2026-06-02"
lang: "en"
url: https://nexpay.com.au/training/payments/creating-a-payment
---
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# Creating a payment - NexPay

## At a glance

- **Intended for:** Agents & school admins
- **Reading time:** 7 minutes
- **Last updated:** 1st June 2026

**TL;DR:** Start a payment with "Create a Payment" or a home-screen button. The wizard opens with "Who pays?" — choose Student or family pays, My company pays, or School or partner pays, then pick the scenario that fits. From there it adapts: you add recipients and amounts, pick a quote, add payer and student details, attach any documents, and confirm. You can go back at any step, save as a draft, and finish later — nothing is lost.

{/* Body content for Creating a Payment — the new payment-intent wizard */}

## I need to send money — where do I start?

International payments involve real money, real deadlines, and real people waiting at the other end. Feeling cautious the first time is completely normal. NexPay's payment wizard is built to take that anxiety away: it walks you through one step at a time, shows you where you are, and lets you go back and change anything before you commit. Nothing happens until you say so on the final step.

There are two ways in. From the **home screen**, the "What would you like to do?" card has buttons that drop you straight into the right kind of payment. Or from the **Payments** page, click **Create a Payment** in the top corner. Both lead to the same wizard.

> **For agents:** You'll usually create payments on behalf of students and families. Pay close attention to the payer and student details — mismatched information is the most common reason a payment gets held for a quick check.

> **For school admins:** Your focus is often the recipients and documents. Make sure the right institution is selected and any required offer letter or invoice is attached.

## Step 1: Who pays?

The wizard opens by asking who will be paying. This is the most important choice, because it shapes everything that follows. You'll pick one of three paths:

- **Student or family pays** — tuition and similar fees, where the money comes from the student, a family member, or someone opening a payment link
- **My company pays** — paying a supplier, refunding a student, or running payroll, funded by your own organisation
- **School or partner pays** — requesting a payment, where a school or partner sends funds to you

Once you choose a path, NexPay shows the **scenarios** that fit it. Pick the one that matches what you're doing:

**If a student or family pays:**

- **Manually create a payment (tuition or other fees)** — you enter the amount and details; best when you're handling it on their behalf
- **Re-usable payment link with specific amounts** — you set the amount, the payer opens a link and pays directly
- **Re-usable payment link with percentage splits** — the payer pays once, and it's split by percentage between the institution and your organisation
- **Pay an individual (allowance)** — send an allowance to a person, as the student, a parent, or a relative

**If your company pays:**

- **Pay school, partner or supplier** — pay an institution or supplier from your business account
- **Refund a student** — send money back to a student
- **Pay your employee(s)** — run payroll for one or more team members

**If a school or partner pays:**

- **Request payment for a service invoice** — a school or partner pays you for a service
- **Request payment of your commission** — a school or partner pays commission they owe, via a request link

> **Worth knowing:** Some of these used to have different names in the old portal. If you hover over a scenario, you may see its previous name (for example, "Pay Provider" or "Pay Now Pro") so you can recognise the one you used before.

This guide follows the most common path from here — **Student or family pays → Manually create a payment**. Other scenarios share the same building blocks; they just include or skip steps as needed.

## Step 2: Recipients

Next, you choose who gets paid. Search your existing recipients by name, or add a new one on the spot if they're not in your list yet.

For each recipient you add, you'll set:

- **Who** — the recipient's role (an education provider, a public payee, a private individual, an employee, or your own organisation)
- **Amount** and **currency** — how much they should receive, and in which currency
- **Reference** (optional) — a confirmation ID or invoice number to help everyone match the payment later

You can add several recipients as long as they're in the same destination country. Each appears in a row with its own amount, so you can see the full picture at a glance.

> **Quick tip:** Double-check each amount here. It's much faster to fix a number on this step than to notice it later. If you're paying an institution, the reference field is your friend — a clear invoice or student ID helps the school reconcile the payment quickly.

If the recipient you need doesn't exist yet, you can create them without leaving the wizard. For the full set of options around adding and verifying recipients, see [managing beneficiaries](/training/recipients/managing-beneficiaries.md).

## Step 3: Quote

Once amounts are set, NexPay fetches live quotes. Each quote variant is a different way to settle the payment, each with its own exchange rate, fee, and totals — what the payer sends versus what the recipient receives.

Pick the variant that suits the situation. Quotes come with a countdown timer because exchange rates move; if it runs out before you finish, just request a fresh quote and continue.

For a deeper look at how rates work and how to read a quote, see [exchange rates and quotes](/training/quotes-and-methods/exchange-rates-and-quotes.md).

## Step 4: Student and payer

For tuition, this step captures two people: the **student** the payment is for, and the **payer** actually sending the money.

**Student** — search for an existing student by name or email, or create a new one with their first name, last name, and email.

**Payer** — start by choosing the payer type: Student, Parent, Spouse, Relative, Friend, Agent, School, Education Agency, Other Company, or Other. For an individual you'll enter name, email, optional phone, date of birth, full address, and an optional tax ID. For a company payer (School, Education Agency, Other Company) you'll add the company name instead of a date of birth.

> **Important:** The payer's address has to be accurate — NexPay checks the country, state, city, and postcode as part of its compliance review. A wrong detail here is one of the most common causes of a delay, so it's worth a careful look.

Depending on the scenario, this step may appear as just **Payer** (when there's no student involved) or be skipped entirely (when a payer fills in their own details through a link).

## Step 5: Documents

Some payments need supporting documents. When they do, this step asks for them:

- **An identity document** for the payer — a passport, national ID, or driver's licence
- **A supporting document per recipient** — typically an offer letter, confirmation of enrolment, or invoice from the institution

Upload each file and wait for the confirmation that it's attached. If a file is the wrong format or too large, you'll get a clear message so you can fix it.

Whether documents are required depends on the payment. For the full picture of what's needed and when, see [document requirements](/training/trust-and-compliance/document-requirements.md).

> **Quick tip:** Have your documents ready in a folder before you start. Uploading is the step that slows people down most when they're hunting for files mid-wizard.

## Step 6: Confirm

The final step is a summary. You'll see your recipients and amounts, the quote you chose (with its countdown and a refresh button), the payer and student details, and the status of any documents — each in its own card so you can scan quickly.

Read through it. If anything's off, click **Back** to fix it; your data is preserved. If the confirm step flags a problem — a missing detail or an amount outside the quote's limits — it tells you what to fix and where.

When everything looks right, agree to the terms and conditions and submit:

- **Create as draft** saves it to finish or submit later
- **Continue** submits the payment

NexPay guards against accidental double-submissions, so an extra click won't create two payments. Once submitted, you land on the payment's detail page to track its progress.

## What if I don't finish?

Life happens. If you step away or close the browser, your payment is saved as a draft. Find it on the **Payments** page and reopen it to pick up exactly where you left off — every detail you entered is still there.

## Your next step

- **Just submitted your first payment?** Learn what happens next in [payment status explained](/training/payments/payment-status-explained.md).
- **Want the payer to pay themselves?** Set up a [reusable payment link](/training/payment-links/reusable-payment-links.md) instead.
- **Need to add recipients first?** Go to [managing beneficiaries](/training/recipients/managing-beneficiaries.md).
- **Curious how amounts and rates are calculated?** Read [exchange rates and quotes](/training/quotes-and-methods/exchange-rates-and-quotes.md).

## Checkpoint

After reading this, you should be able to:

- Start the wizard from **Create a Payment** or a home-screen button
- Choose the right path and scenario on the "Who pays?" step
- Add one or more recipients in the same country, with amounts and references
- Pick a quote variant and request a fresh one if it expires
- Enter payer and student details accurately, and know which fields each payer type needs
- Attach required documents, confirm, and resume a draft if you need to come back

## Frequently asked questions

### What's the difference between all those scenarios on the first step?

The first step ("Who pays?") sets the payer and then offers scenarios that match. For most tuition, choose "Student or family pays" then "Manually create a payment." If you'd rather the payer enter the amount themselves, pick one of the payment-link scenarios. "My company pays" covers supplier payments, refunds, and payroll. "School or partner pays" creates a request for someone to pay you. The wizard tailors the remaining steps to whichever you choose.

### Can I pay more than one recipient in a single payment?

Yes, for recipients in the same destination country. Add each one and set their amount. For recipients in different countries, create a separate payment for each country.

### Can I go back and change something mid-wizard?

Yes. Use the Back button to return to any earlier step — your entries are preserved. Nothing is submitted until you confirm on the final step.

### What happens if I close my browser partway through?

Your work is saved as a draft. You'll find it on the Payments page and can reopen it to continue where you left off. You can also choose "Create as draft" deliberately if you want to pause and return later.

### Why does the wizard sometimes skip the documents or payer step?

The wizard only shows the steps a given scenario needs. A payment-link scenario, for example, collects payer details from the payer when they open the link, so you won't fill them in. If a step you expected is missing, it's because that scenario doesn't require it.

### Can I create a payment on my phone?

You can open NexPay on any device, but the payment wizard is far easier on a laptop or desktop where there's room for each step. For checking on existing payments, a phone is fine.

### My quote expired before I finished. Do I have to start over?

No. You'll see a notice and a button to request a fresh quote. The new quote reflects the current exchange rate. Everything else you entered stays in place.

### Can I create many payments at once, or import a list?

Payments are created one at a time through the wizard — there's no bulk or CSV import for tuition or supplier payments. The exception is payroll, which pays multiple employees in a single batch. To speed up high-volume work, reuse saved payers and students so you're selecting rather than re-typing, and lean on drafts. For true automation, the API can create payments programmatically — see API keys and integrations.

### Can two people split one payment — say a student and a parent each pay half?

A single payment has one payer. If two people want to contribute, the clean way is a separate payment from each (for example, one from the student and one from the parent), both linked to the same student. The percentage-split feature is a different thing — it splits one payment between the institution and your organisation, not between two payers.

## 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)
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© NexPay Pty Ltd