--- title: "Every payment method in Qualy explained" description: "Cards, PayID, PayTo, BECS direct debit, PIX, Boleto, bank transfer, buy now pay later and external payments—what each one is and where it works." lastModified: "2026-10-15" lang: "en" wordCount: 1287 url: https://qualyhq.com/training/payments/learn-about-all-payment-methods --- ## Site navigation - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents - [Explore](/training.md) — Watch videos on how to use Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Pricing](/pricing) - [5-min demo](/demo.md) - [Login](https://dashboard.qualyhq.com) # Every payment method in Qualy explained > What each payment method is, where it works, and how fast the money arrives. ## At a glance - **Intended for:** Everyone - **Available in:** All plans - **Reading time:** 6 minutes - **Last updated:** 15th October 2026 ## Quick summary Qualy supports cards (Australian, international, Brazilian, and a NexPay worldwide card), account-to-account methods (PayID, BSB/account, PIX, Boleto), direct debit (PayTo, BECS and multi-currency), bank transfer, buy now pay later, and external/manual payments for things like cash. Which methods appear depends on where your customer is paying from and the currencies you collect. You turn methods on in Settings → Payment methods. ## Overview Qualy supports a wide range of payment methods so your customers can pay the way that's easiest for them, wherever they are. The methods you see depend on your account's **region** and the **currencies** you collect—you switch them on in **Settings → Payment methods**. This guide groups the methods by how they work. ## Cards ### Australian credit/debit card Accept Visa, Mastercard and Amex in Australian Dollars. Confirmation is instant; funds typically arrive in a few days. The customer never pays a fee on top. Card surcharges are no longer allowed in Australia from 1 October 2026, so your business covers the card fee, which is taken from your payouts. Qualy's platform fee on these payments is invoiced to you monthly instead of coming out of your payouts. ### International / multi-currency card Accept Visa, Mastercard and Amex in a range of currencies. Ideal when customers pay from outside Australia. Confirmation is instant, and funds arrive in a few days. ### Brazilian credit/debit card Accept Visa, Mastercard and Elo in Brazilian Reais. Brazilian customers can also choose to **pay in installments**—up to 18 monthly payments—while you still receive the full amount upfront. ### Worldwide card (NexPay) The customer pays by credit or debit card on a NexPay-hosted page, in their own currency. NexPay converts the money and pays out the recipients itself, so it suits international students paying tuition from home. Where NexPay offers card instalments for the customer's country, they can choose a plan at checkout. Funds take a few days. It needs a NexPay connection: open **Worldwide card** in Settings → Payment methods and use **Connect NexPay**. The same connection gives you NexPay's **Worldwide bank transfer**. Whether a card is offered depends on the customer's country, so not every payer will see it. > Cards are popular across the globe—easy and fast for the payer. Funds may take a few days to arrive in your account. ## Account-to-account methods These move money straight from the customer's bank account, often instantly. ### PayID transfer (Australia) An easy, instant way to receive payments. Qualy gives the customer a unique PayID so the incoming payment reconciles automatically. ### BSB/account number transfer (Australia) The customer transfers to a unique BSB and account number. Easy, but slower than PayID. Because the account details are unique, payments reconcile automatically. ### PIX (Brazil) Brazil's instant payment method. The customer scans a QR code or copies a PIX code in their banking app. ### Boleto (Brazil) A popular Brazilian payment slip. Funds may take a few days to arrive. ## Direct debit Direct debit pulls funds automatically once the customer has authorised it—ideal for instalment plans. ### PayTo direct debit (Australia) Real-time direct debit. The customer approves the PayTo agreement in their online bank; it supports PayID emails and phone numbers. Funds are usually available quickly. ### BECS direct debit (Australia) The traditional Australian direct debit. Once the customer authorises it, Qualy captures each payment directly from their bank account. ### Multi-currency direct debit Capture payments directly from a customer's bank account across supported currencies. Funds may take a few days to arrive. Direct debit pairs perfectly with payment plans: set the plan once and each instalment is collected automatically on its due date. ## Bank transfer The customer makes a normal bank transfer to pay. Popular for high-value, one-off payments, and available across dozens of currencies. Funds may be available quickly or in a couple of days. ## Buy now, pay later In some countries, a **buy now, pay later** option lets the customer pay later or split the cost into a few instalments. You still get paid, and the customer gets the flexibility. See the financing guide for how this looks alongside card installments. ## External payments Use **External payment** to record money received outside Qualy—such as cash, or a transfer the customer made directly to a partner. Nothing is processed through Qualy; it simply keeps your records complete and your reporting accurate. Availability is regional. PayID, PayTo, BECS and BSB/account are Australia-only; PIX and Boleto are Brazil-only. Turn on what's relevant in Settings → Payment methods. ## Frequently asked questions ### Which payment methods does Qualy support? Cards (Australian, international, Brazilian, and the NexPay Worldwide card), PayID, BSB/account number transfer, PayTo direct debit, BECS direct debit, multi-currency direct debit, PIX, Boleto, bank transfer, buy now pay later, and external/manual payments for things like cash. ### Why don't I see all the methods? Available methods depend on where your customer is paying from and the currencies you collect. For example, PayID, PayTo, BECS and BSB/account are Australia-only, while PIX and Boleto are Brazil-only. You enable the ones relevant to you in Settings → Payment methods. ### Which methods are instant? PayID, PIX and PayTo are effectively instant. Cards usually confirm instantly but funds settle in a few days. BECS direct debit, bank transfer and Boleto take a little longer. ### What is the difference between PayTo and BECS direct debit? Both pull money from the customer's bank account in Australia. PayTo is real-time and the customer approves the agreement in their banking app, supporting PayID emails and phone numbers. BECS is the traditional direct debit and is captured automatically once authorised. ### What is an external payment? It's a way to record a payment that happened outside Qualy—such as cash, or a transfer the customer made directly to a partner. It keeps your records complete without processing money through Qualy. ### What is the Worldwide card? It's a card payment through NexPay. The customer pays by credit or debit card on a NexPay-hosted page, in their own currency, and NexPay converts the money and pays it out—to you and to any partners on the payment. It needs a NexPay connection: open Worldwide card in Settings → Payment methods and use Connect NexPay. One connection covers both the Worldwide card and NexPay's Worldwide bank transfer. Where NexPay offers card instalments for the customer's country, the customer can pick a plan at checkout. Card availability depends on the customer's country, so it won't appear for every payer. Expect the money to take a few days. ### Who pays the processing fees? It depends on the method. On most methods the customer bears the processing fees at checkout by default, and you can change that per method in your cost pass-through settings—absorb the fees yourself, or split them so each side bears part. The Australian credit/debit card is the exception: card surcharges are no longer allowed in Australia from 1 October 2026, so your business always covers that card fee, taken from your payouts, and Qualy's platform fee on it is invoiced to you monthly. You can't pass it to the customer or add a markup to it. ### Can the customer pay in a different currency than I price in? Yes. Qualy can collect in the customer's currency and settle to you in yours; an exchange rate (and any markup you set) is applied. See the currency exchange guides. ## Prefer doing this via the Qualy API? Head over to our developer docs for everything you need—endpoints, examples, and simple how-tos. [View API Docs](https://docs.qualyhq.com/docs) ## More on Qualy **Industries** - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents **Support** - [Training](/training.md) - [System status](https://qualyhq.statuspage.io/) — Qualy system status - [Product updates](https://changelog.qualyhq.com) — As we work on Qualy, here we spotlight what we’ve learned and updated across our products - [Contact](/contact-us.md) **Product** - [Demo](/demo.md) - [Enterprise](/enterprise.md) - [Testimonials](/testimonials.md) — Learn what some customers have to say about Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Blog](/blog) — International education payments blog by Qualy - [Trust center](/trust.md) - [API](/api.md) — Qualy API for international education payments - [Zapier](/integrations/zapier.md) — Connect Qualy to 7,000+ apps with Zapier - [NexPay](/nexpay.md) — Qualy + NexPay — automate everything around the payment **Legal** - [General terms](/terms-and-conditions.md) - [Payer terms](/terms-for-payers.md) - [Privacy policy](/privacy-policy.md) - [Service levels](/sla.md) - [Accessibility](/accessibility.md) - [Legal & compliance](/trust.md)