---
title: "Processing times and fees - NexPay"
description: "How long payments take, what affects the speed, and how fees are presented — so you can set the right expectations before you pay."
lastModified: "2026-06-02"
lang: "en"
url: https://nexpay.com.au/training/quotes-and-methods/processing-times-and-fees
---
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# Processing times and fees - NexPay

## At a glance

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

**TL;DR:** How long a payment takes depends mainly on the method and the countries involved — some routes are instant, others take a few business days. The method picker groups options by arrival speed, and the currency calculator shows an estimate before you pay. Fees are always shown up front in the quote, with no surprise deductions. To compare cost, look at the "you send" amount on each quote variant.

{/* Body content for processing times and fees */}

## How long, and how much — answered up front

The two questions on every payer's mind are "when will it arrive?" and "what will it cost?" NexPay is built to answer both *before* you commit, not after. This article explains what drives the timing, how fees are shown, and how to set a realistic expectation with a payer.

> **For agents and schools:** A payer who knows the timing and cost up front doesn't worry, and doesn't call you mid-transfer. The points below are the ones to share when you hand over a payment or a link.

## What affects how long a payment takes

There's no single number, because a payment's speed depends mostly on three things:

**The method.** This is the biggest factor. Instant local bank transfers can reach the recipient the same day or even instantly; some other methods take one to a few business days. When a payer chooses how to pay, the options are **grouped by arrival speed** precisely so this is visible — see [payment methods](/training/quotes-and-methods/payment-methods.md).

**The countries involved.** The route between the payer's country and the destination plays a part. Some corridors are faster than others, which is reflected in the estimates you see.

**Whether everything's in place.** A payment with correct details and any required documents flows smoothly. One that's held for a quick check, or waiting on a document, naturally takes longer — which is the best argument for getting details right and documents ready before you start.

> **Quick tip:** The currency calculator on your home screen shows an estimated arrival time alongside the rate. It's a quick way to give a payer a realistic "it should arrive around…" before they commit.

## Setting the expectation

Because timing varies, the honest framing for a payer is: *"It depends on how you pay — some methods arrive the same day, others take a few business days, and you'll see an estimate when you choose."* Then point them at a fast method if the deadline is tight. Over-promising "instant" for every payment is the thing to avoid; letting the platform show the estimate is both accurate and reassuring.

## How fees are presented

Fees on NexPay are shown **up front, in the quote**. Each quote variant displays its rate and fee before you confirm, and — this is the important promise — the amount you agree to is the amount that goes through. There are no deductions added quietly along the way.

That contrasts sharply with a traditional bank wire, where intermediary "correspondent" banks can each take a cut, so the recipient ends up with less than was sent and nobody quite knows how much was lost. NexPay shows the fee, and the recipient receives the agreed amount.

In practice, reading a quote looks like this: you tell it the recipient needs, say, AUD 10,000 to arrive, and the quote shows the exact amount the payer sends in their own currency to make that happen, the rate applied, and any fee — all before you commit. The number to compare across methods is the **you send** figure, because it already rolls the rate and the fee together into the true total. (The figures here are just an illustration; your real numbers appear live in the quote.)

> **You're comparing total cost, not just the fee.** Different methods carry different rates *and* fees, so the figure to compare across variants is the **you send** amount — the true total the payer pays. The variant with the lowest "you send" is the cheapest. The full detail is in [exchange rates and quotes](/training/quotes-and-methods/exchange-rates-and-quotes.md).

## We don't quote a single fee — and that's deliberate

You won't find a fixed percentage advertised, because the fee genuinely varies with the method, the currency pair, and the amount. That's why the quote step exists: it shows the real numbers for the real payment in front of you. Rather than memorise a rate, the reliable habit is to read the quote — it's always the accurate answer for that specific payment.

The thing worth holding onto isn't the size of the fee but what it buys: a verified payment, the correct account on file, compliance handled, and a real person watching it. Against the cost of a tuition payment going wrong, that's a small, predictable, visible amount.

## When a payment runs slow

If a payment is taking longer than expected, work through it in order:

1. **Check its status** on the detail page — it tells you where things are. (See [payment status explained](/training/payments/payment-status-explained.md).)
2. **If it's on hold,** look for an email — there's usually one specific thing to provide.
3. **Check the Payment Status page** in your account menu for any known delays on the route.
4. **Still unclear?** Your NexPay contact can look into it.

## Your next step

- **Want to see the speed groups?** Read [payment methods](/training/quotes-and-methods/payment-methods.md).
- **Comparing the cost of options?** See [exchange rates and quotes](/training/quotes-and-methods/exchange-rates-and-quotes.md).
- **A payment is slow or on hold?** See [payment status explained](/training/payments/payment-status-explained.md).
- **Why does verification add a step?** Read [identity verification and AML](/training/trust-and-compliance/identity-verification-and-aml.md).

## Checkpoint

After reading this, you should be able to:

- Explain the three things that affect a payment's speed — method, countries, and readiness
- Use the currency calculator to give a payer an arrival estimate
- Describe how fees are shown up front, with no surprise deductions
- Compare cost across variants using the "you send" amount
- Walk through the steps to take when a payment is slower than expected

## Frequently asked questions

### How long will my payment take to arrive?

It depends on the payment method and the countries involved. Some methods — like instant local bank transfers — reach the recipient the same day or even instantly; others take one to a few business days. When you choose how to pay, the methods are grouped by arrival speed, and the currency calculator shows an estimate before you start. If a deadline is close, choose a faster method.

### What affects how fast a payment goes through?

Three things mostly — the method you choose, the countries on each end, and whether everything needed is in place (correct details and any required documents). A payment held for a quick check or waiting on a document takes longer, which is why getting details right up front helps it move smoothly.

### How are fees shown?

Up front, in the quote. Each quote variant shows its rate and fee before you confirm, and the amount you agree to is the amount that goes through — there are no hidden deductions added later. To compare options, look at the "you send" amount, which is the true total the payer pays.

### Why might one payment cost more than another?

Different methods carry different rates and fees, and the currency pair and amount play a part too. That's why the quote step shows totals per option rather than a single figure. The cheapest option is the one with the lowest "you send" amount.

### My payment is taking longer than expected. What should I do?

First, check the payment's status on its detail page — it tells you where things are. If it's on hold, look for an email asking for one thing. You can also check the Payment Status page in your account menu for any known delays on a route before reaching out. If it's still unclear, your NexPay contact can help.

### Does NexPay add correspondent bank fees like my bank does?

No surprise correspondent-bank deductions. With a traditional bank wire, intermediary banks can each take a cut along the way, so the recipient gets less than was sent. NexPay shows the fee up front and the recipient receives the agreed amount.

## 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)

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- [Terms and Conditions](/terms-and-conditions/)
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- [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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