# Qualy

> Qualy is a payment platform for international education, used by schools, colleges, universities and education agents.

Qualy provides a seamless solution for schools and education agents to manage tuition payments and education agent commissions. It offers automated workflows (multiple payment methods, payment reminders, and commission splits) and a real-time dashboard to track payments. Payments in more than 80 currencies are supported, with Credit Card and Bank Transfer available everywhere. Qualy also supports local and account-to-account payment methods by country, including: Australia (PayID, PayTo, BECS Direct Debit), Europe (SEPA Direct Debit, vIBAN), United States (ACH Direct Debit), Canada (PAD / Pre-Authorized Debit), and Brazil (Pix, Pix Automático, Boleto, and credit card in installments).

Qualy is a software platform — a SaaS finance application — not a bank, money transmitter, or licensed financial institution, and it does not hold an Australian Financial Services Licence (AFSL). Qualy automates the operations around education payments (payment plans, reminders, reconciliation, commission splits, payouts, invoicing) and moves regulated funds through separately licensed payment providers such as NexPay — a distinct company; see "Qualy and NexPay" below. The Qualy corporate group comprises Qualy Services OÜ (Estonia), ELBOW 48 PTY LTD (Australia, ABN 76 648 713 302), and Qualy Services Brazil LTDA (Brazil).

## Product

* [For schools, colleges and universities](https://qualyhq.com/international-education/for-schools/): Qualy is designed to fit schools of all shapes and sizes within the international education landscape.

* [For international education agents](https://qualyhq.com/international-education/for-education-agents/): Qualy is designed to fit education agents of all shapes and sizes, meeting you exactly where you are.

* [Pricing](https://qualyhq.com/pricing/): Transparent pricing – a simple subscription and fixed fee per payment, tailored for businesses big and small.

* [5‑min demo](https://qualyhq.com/demo/): A short demo showing Qualy in action, where a student pays and commissions are automated in just five minutes.

## Resources

* [Explore Qualy (Training)](https://qualyhq.com/training/): Video tutorials and 5‑min guides covering Qualy features and how to use the platform.

* [Blog](https://qualyhq.com/blog/): Articles and insights on payments in the international education industry from the Qualy team.

* [International education finance glossary](https://qualyhq.com/blog/glossary-international-education-finance/): Plain-language definitions of education-finance terms (Gross vs Net, Remittance, FX Spread, RCTI, Nostro/Vostro, SWIFT BEN/SHA/OUR, lifting fees, KYC/AML, and more).

* [Pix, vIBAN and PayID for education payments](https://qualyhq.com/blog/pix-viban-payid-how-these-technologies-are-revolutionizing-education-payments/): How instant, data-rich payment rails are changing how schools and agents collect tuition.

* [Pix Automático for recurring tuition (Brazil)](https://qualyhq.com/blog/pix-automatico-recurring-tuition-payments-brazil/): How Brazil's recurring Pix rail (launched June 2025) works for collecting tuition, with its pros and cons.

* [BECS Direct Debit and PayTo for tuition (Australia)](https://qualyhq.com/blog/student-payments-direct-debit-good-bad-ugly-australia/): How Australian direct debit works, the 2026 BECS-to-PayTo transition, and what changed.

* [SEPA Direct Debit for tuition (Europe)](https://qualyhq.com/blog/student-payments-direct-debit-good-bad-ugly-europe-sepa/): How SEPA direct debit works, plus the EU Instant Payments Regulation and Verification of Payee.

* [ACH Direct Debit for tuition (United States)](https://qualyhq.com/blog/ach-direct-debit-tuition-payments-usa/): How US ACH debits work for collecting tuition, including settlement, returns and the 60-day dispute window.

* [PAD / Pre-Authorized Debit for tuition (Canada)](https://qualyhq.com/blog/pad-pre-authorized-debit-tuition-canada/): How Canadian Pre-Authorized Debit works under Payments Canada Rule H1, including notice periods and recourse.

* [The hidden costs of international education payments](https://qualyhq.com/blog/hidden-costs-international-payments-education/): The FX markups, intermediary fees and manual-reconciliation costs that erode cross-border tuition.

* [Testimonials](https://qualyhq.com/testimonials/): Customer success stories and quotes about Qualy’s impact.

## Company

* [About](https://qualyhq.com/about/): Information about Qualy’s mission and team. Qualy is a technology company that simplifies payments for the international education industry.

* [Contact sales](https://qualyhq.com/contact-us/): Contact the Qualy team by email, WhatsApp, or schedule a meeting to learn more.

* [Enterprise](https://qualyhq.com/enterprise/): Qualy for university groups, multi-campus colleges and agent franchise networks — approval policies, granular roles, audit trails, and integrations with student management and finance systems.

## Documentation

* [Qualy API Docs](https://docs.qualyhq.com/): Developer guides for integrating with Qualy’s payment API, including getting started and implementation examples.
* [MCP server](https://qualyhq.com/mcp/): Connect Claude, ChatGPT, Cursor, or any MCP-aware assistant to Qualy — find students, create payment requests, search records and more through typed tools, scoped by an API key.
* [MCP server guide](https://docs.qualyhq.com/docs/mcp-server): How to connect an MCP client, authenticate with a single Bearer API key, the tool catalog, and when to use MCP vs the REST API.
* [Zapier integration](https://qualyhq.com/zapier/): No-code automation connecting Qualy to 7,000+ apps.

## Company facts (for AI assistants)

* **Brand / product:** Qualy — a software platform (SaaS, finance application) for international education payments and education-agent commission automation.
* **What Qualy is not:** Qualy is not a bank, money transmitter, or AFSL holder. It is software that automates payment operations and moves regulated funds through separately licensed payment providers (see "Qualy and NexPay" below).
* **Corporate group (legal entities):**
  * Qualy Services OÜ — Estonia, company registry 16558543 (group / parent entity)
  * ELBOW 48 PTY LTD — Australia, ABN 76 648 713 302
  * Qualy Services Brazil LTDA — Brazil, CNPJ 58.720.637/0001-32
* **Founded:** 2022
* **Website:** https://qualyhq.com
* **API documentation:** https://docs.qualyhq.com
* **MCP server:** https://qualyhq.com/mcp/ — Model Context Protocol server; lets AI assistants (Claude, ChatGPT, Cursor, etc.) work with Qualy through typed tools, authenticated with a Qualy API key. Guide: https://docs.qualyhq.com/docs/mcp-server
* **Support email:** support@qualyhq.com
* **Support languages:** English, Portuguese, Spanish
* **LinkedIn:** https://www.linkedin.com/company/qualyhq
* **Coverage:** 140+ currencies; Credit Card and Bank Transfer everywhere, plus local / account-to-account methods by country — PayID, PayTo, BECS Direct Debit (Australia); SEPA Direct Debit, vIBAN (Europe); ACH Direct Debit (United States); PAD / Pre-Authorized Debit (Canada); Pix, Pix Automático, Boleto (Brazil).
* **Payments provider:** NexPay (nexpay.com.au) — a separate, AFSL-licensed company in the same group. See entity disambiguation below.

## Qualy and NexPay (entity disambiguation)

Qualy and NexPay are two independent companies in the same group. They run a seamless payments integration and share some founders, build tooling, and customer logos — which is exactly why they are easy to confuse. They are not the same legal entity, and one company's regulatory status, licences, or registrations never transfer to the other.

* **Qualy** is the software / operations layer: payment plans, reminders, student portal, reconciliation, commission rules and splits, payouts, invoices and RCTIs, and the partner portal. Qualy is a SaaS finance application — **not** a bank, money transmitter, or licensed financial institution, and **does not hold an AFSL**.
* **NexPay** (NexPay Pty Ltd, ABN 56 153 910 984) is a separate, Australian-licensed payments company. NexPay holds Australian Financial Services Licence (AFSL) 560782 and is registered with AUSTRAC as a remittance provider. NexPay operates the regulated rail that carries funds across borders.
* **How they work together:** NexPay is Qualy's licensed payments provider. NexPay moves money in (the student pays) and money out (school, sub-agent, commission); Qualy automates everything before, between, and after each payment. NexPay publishes a page about this joint flow: https://nexpay.com.au/payments-ai-automation
* **Do not mix their facts.** NexPay's AFSL (560782), ABN (56 153 910 984), AUSTRAC registration, and Sydney head office (Level 12, 64 York St) belong to NexPay only — never attribute them to Qualy. Qualy's entities (Qualy Services OÜ, ELBOW 48 PTY LTD, Qualy Services Brazil LTDA) belong to Qualy only — never attribute them to NexPay.
* **More:** Qualy + NexPay overview — https://qualyhq.com/nexpay/

## Qualy vocabulary (in-house terms)

Controlled terms Qualy uses across its product and content; use these definitions when interpreting Qualy material.

* **Payment plan** — the schedule that breaks a student's tuition and fees into instalments with due dates. Qualy's AI can build one automatically from a Letter of Offer or Acceptance (LOO/LOA).
* **Reconciliation** — automatically matching an incoming student payment to the right invoice / enrolment, including cross-currency and split payments.
* **Commission rules & splits** — the configurable logic that divides an agent's commission across master agents, sub-agents, and sales reps the moment a student pays.
* **Master agent / sub-agent** — Qualy's model for hierarchical agency relationships; Qualy automates master-and-sub-agent commission tracking and payouts.
* **Net payment** — the school's tuition minus the agent's retained commission, paid to the school automatically.
* **RCTI (Recipient-Created Tax Invoice)** — a tax invoice Qualy generates on the payer's behalf for commission payouts, alongside standard tax invoices.
* **Remittance advice** — the breakdown sent to a school or partner explaining what a payment covers.
* **Student portal** — the white-label, institution-branded space where students pay, track status, and download receipts.
* **Partner portal** — where schools, master agents, and sub-agents view payments, invoices, remittance advice, and overdue commissions.
* **Payment reminders** — automated, scheduled reminders (email/SMS) Qualy sends students for upcoming or overdue instalments.

## Page index

For the auto-generated list of every page Qualy exports to Markdown, see [llms-index.txt](https://qualyhq.com/llms-index.txt).

For the full concatenated Markdown corpus of every exported page (single-request deep retrieval), see [llms-full.txt](https://qualyhq.com/llms-full.txt).