Next Gen

Education
Payments

Savings, Simplicity and Speed

Next Gen

Education
Payments

Savings, Simplicity and Speed
Make Payment

Global Money Transfer

NexPay is your solution for education and immigration related international money transfers. With NexPay, you can safely and quickly send and receive money globally 24/7 with competitive exchange rates and no bank fees.

Request Demo

For Individuals

  • Send and receive funds from home fast, easy, and securely.
  • You can pay for:
    • Tuition,
    • Accommodations,
    • Transportation,
    • Visa and Immigration application processing,
    • And so much more.
  • Make multiple payments in a single transaction.
  • Send and receive all payments in local currency with highly competitive exchange rates and no bank fees.
  • Pay your way with options like credit card, installments, domestic money transfer, and more.
  • Track your payments every step of the way with real time email updates.

For Business

  • Give your clients a simple way to pay using your custom-branded PayNow link or Wizard Feature.
  • Issue and receive refunds and commissions.
  • Save time and money by reducing administration efforts.
  • Send and receive funds in respective local currencies.
  • Pay multiple beneficiaries with a single transaction.
  • Pay your employees, partners, and other stakeholders safely and securely.
  • Payments arrive fully-reconciled with no shortage due to exchange rates.
  • Highly competitive exchange rates with no bank fees for you or your clients.
  • NexPay provides customer support 24/7.

How It Works

Check our rates

Register and create a payment:

  1. Select a beneficiary, attach an invoice.
  2. Choose the method of payment (Credit Card, Installments, Domestic Bank Transfer and more).

01
Register and create a payment:

  1. Select a beneficiary, attach an invoice.
  2. Choose the method of payment (Credit Card, Installments, Domestic Bank Transfer and more).

Pay and upload the proof of payment.

02
Pay and upload the proof of payment.

Track the status of your payment and download the payment advice. 24/7 support in several languages.

03
Track the status of your payment and download the payment advice. 24/7 support in several languages.

Our branches around the world

Sydney, Australia

Sydney
Australia

Sydney, Australia

Local Time:


NexPay Pty Ltd
Level 2
11 York St
Sydney NSW 2000

+61 (0) 2 9078 7967
support@nexpay.com.au

London, United Kingdom

London
United Kingdom

London, United Kingdom

Local Time:


Nexpay Limited
Building 1, Chalfont Park,
Gerrards Cross, Bucks.
SL9 0BG
support@nexpay.com.au

Bogota, Colombia

Bogota
Colombia

Bogota, Colombia

Local Time:


Nexpay Colombia SAS
Cra 11 A # 93 A - 22
Of 302
Bogota
support@nexpay.com.au

São Paulo, Brazil

São Paulo
Brazil

São Paulo, Brazil

Local Time:


Nexpay Brasil
R. das Olimpiadas
Villa Olimpia São Paulo
support@nexpay.com.au

Santiago, Chile

Santiago
Chile

Santiago, Chile

Local Time:


Nexpay Chile SpA
Marchant Pereira 150,
Of 1002
Providencia, Santiago
support@nexpay.com.au

Mexico City, Mexico

Mexico City
Mexico

Mexico City, Mexico

Local Time:


Nexpay S.A. de C.V.
Muzquiz 15
San Miguel Chapultepec
11850 Mexico City
support@nexpay.com.au

China

China
Coming Soon

China

Local Time:


Coming Soon
support@nexpay.com.au

India

India
Coming Soon

India

Local Time:


Coming Soon
support@nexpay.com.au

Our branches around the world

NexPay Offices NexPay Offices NexPay Offices NexPay Offices NexPay Offices NexPay Offices NexPay Offices
China
Coming Soon

Local Time:


support@nexpay.com.au

NexPay Pty Ltd
Level 2, 11 York St
Sydney NSW 2000
+61 (0) 2 9078 7967
Search School and Pay

India
Coming Soon

Local Time:


support@nexpay.com.au

NexPay Pty Ltd
Level 2, 11 York St
Sydney NSW 2000
+61 (0) 2 9078 7967
Search School and Pay

Sydney, Australia

Local Time:


NexPay Pty Ltd
Level 2,
11 York St
Sydney NSW 2000
+61 (0) 2 9078 7967
support@nexpay.com.au

London, United Kingdom

Local Time:


Nexpay Limited
Building 1, Chalfont Park,
Gerrards Cross, Bucks.
SL9 0BG
support@nexpay.com.au

Mexico City, Mexico

Local Time:


Nexpay S.A. de C.V.
Muzquiz 15
San Miguel Chapultepec
11850 Mexico City
support@nexpay.com.au

Bogota, Colombia

Local Time:


Nexpay Colombia SAS
Cra 11 A # 93 A - 22
Of 302
Bogota
support@nexpay.com.au

Santiago, Chile

Local Time:


Nexpay Chile SpA
Marchant Pereira 150,
Of 1002
Providencia, Santiago
support@nexpay.com.au

São Paulo, Brazil

Local Time:


Nexpay Brasil
R. das Olimpiadas
Villa Olimpia São Paulo
support@nexpay.com.au

Testimonial

Simon Constain

Go Study Australia

We enjoy working with NexPay because of the personalisation they give. We are in contact with them on a daily basis, and they give a really great service.

Martínez Caparrós

Dingoos

From Dingoos we recommend and encourage our students to always use NexPay when it comes time to make payments for their courses. It is an easy, intuitive and reliable tool and they also have a highly personalized customer service team ready to solve any incident as soon as possible.

José Gil

GrowPro Experience

From GrowPro we encourage all of our international students to use NexPay when it comes to pay their schools or to make any payment they have to because NexPay has proove to be very reliable and easy to use. We also use it on a daily basis and we are really pleased with the service it provides.

Claudia de la Rosa

VIAC, Mexico

Nexpay is an excellent option for sending money to schools and service providers abroad, it is easy and they have excellent customer service, I highly recommend them! (translated)

Oscar Roa

Edutravel, Australia

Edutravel has done business with Nexpay for over 4 years and the experience has been fantastic. They are very reliable in terms of supporting our team and the transactions are always efficient and accurate. The platform is reliable and trustworthy, we never had issues in funds delays or unclear payments. I recommend Nexpay to all Latin American students that need to transfer their school fees to Australia.

Martha Abril

English Star, Colombia

We have been working with NEXPAY since 2018; It has been a very positive experience for us and our students due to the simplicity of making money transfers through local accounts without having to do all the procedures involved in making money transfers abroad through financial institutions. generally offered by banks. Nexpay is a perfect partner for English Star!(translated)

Mauricio Segura

Spiible

When Spiible started to use NexPay it was a Big shift in our company, now we are able to track our payments, empower our students to be able to make payments and support them in a very efficient and timely manner. This means less work, increase of productivity, payments on time and our accounts team can work faster now... students are happy, they save money and that’s what we want!

Fernanda Borobia

Timeout Education, Mexico

For Timeout Education and our clients, Nexpay has been a very valuable tool, it has helped us a lot in making payments quickly, transparently and is very practical for our students as they can be made in Mexican pesos with a good exchange rate. Service that we always receive has always been excellent !!!!(translated)

Catherine Bustamante

Contacto EDU Travel

Nexpay has been a very valuable partner for us. It has facilitated many processes for student payments and has made our service more efficient. We thank Nexpay for continuing to implement new improvements that enhance our work and help make payment processes more user-friendly. (translated)

Our Rates

Our Rates

Make payment in 3 easy steps

01

Register and create a payment:

  1. Select a beneficiary, attach an invoice.
  2. Choose the method of payment (Credit Card, Installments, Domestic Bank Transfer and more).
02

Pay and upload the proof of payment.

03

Track the status of your payment and download the payment advice. Support in several languages 24/7.

Payment Steps

Frequently Ask Questions

Frequently Ask Questions

Getting Help And Support

For 24 x 7 support please email NexPay at support@nexpay.com.au

Or call +61 2 9078 7967

How does NexPay get such low foreign exchange rates?

Through our banking relationships with major Australian banks, we are able to offer some of the best rates to our students. Given that we also don't believe in having expensive shop fronts and lots of sales staff, means we can keep our overhead costs down and pass on these savings to you.

Countries and currencies

What currencies do you currently take payment from?

We take payment from a number of different currencies around the world. These currencies can be found inside our client portal - sign up now.

Why can you not offer my home currency?

If there is a currency you want us to support, please email support@nexpay.com.au and we will happily try and assist you.

Can I use NexPay even if my home currency is not listed?

You can use NexPay even if your home currency is not listed by paying us in one of our accepted currencies. For example, you can pay us in USD, where the spreads are generally lower than converting directly to AUD. When we receive the funds in USD, we will then automatically convert it to AUD and pay your institution.

How many countries can I transfer to?

NexPay works with over 70 countries around the world, please check with the Support team or your account manager regarding any specific country you would like to transfer to.

Passwords

I have forgotten my password, what do I do?

Simply click on the forgotten password link in the login page and follow some simple steps to reset your passwords.

I don't remember my username, how can I find it?

Your user name is the email that you used to originally sign up.

Creating a payment

Can I create payments using my phone or tablet?

No, at the moment payments must be created on a laptop or desktop.

Personal information

Why do I need to upload ID documentation?

As part of security framework and legal obligations, we are required to obtain ID documentation to identify the payer.

How do I upload ID documentation?

You will need to upload ID documentation when you create your payment. This can be done through our web portal.

Who has access to my personal information?

Your personal information will never be distributed to third-party providers without your consent.

Credit cards

My credit card payment failed. What should I do?

Please do not retry more than once as multiple failed attempts may trigger fraud alerts. Instead, please call your card issuer to confirm that your card is valid for international payments and that you have sufficient limit.

My card has been charged but the payment is now Cancelled in NexPay.

Please ensure you click on Continue as per instructions after paying to update your status and prevent your payment from being cancelled. For now, just email support@nexpay.com.au with your Payment ID and we’ll manually update your payment. If not, your payment will still be processed upon settlement from your bank.

My card has been charged multiple times for the same payment.

Please ensure you click on Continue as per instructions after paying to update your status and prevent yourself from repaying. For now, just email support@nexpay.com.au with your Payment ID and we can either refund the overpayment or apply it towards another payment. Overpayment will still be picked upon settlement from your bank.

Payments Processing

How long does it take NexPay to process a payment?

A money transfer payment usually takes 24 to 48 hours to be processed once payment is collected and if all the documentation and information required are correct. Card payments take approximately 5 business days as we require settlement from your bank before we can pay.

Will I still have to pay any bank fees in order to transfer funds to you?

If you pay into one of our global domestic bank accounts, there should be no charge to deposit your funds. If you are paying using a wire transfer then it is likely that you will have to pay bank fees in order to transfer the funds to NexPay given it is a wire transfer. Overall though, the costs are going to be significantly lower compared to the cost of conducting your foreign exchange through a major bank or other equivalent service.

What happens if the payer pays in cash?

NexPay will refund it to the payer

  1. User will need to send NexPay a bank statement showing payer bank details
  2. Bank fees might be deducted
  3. User can then create another payment and this time the payer will need to transfer the money

I was trying to upload the proof of payment but the payment was already cancelled?

If the PID was valid when the transfer was done, please send an email to support explaining what happened and we’ll analyse case by case. Otherwise you’ll need to reissue the payment and pay the exchange rate difference where applicable.

What documents are required for a Private payment?

  1. Current Proof of Study (COE / LOO / Invoice / student visa)
  2. When creating the beneficiary: bank confirmation letter or bank statement of beneficiary account details, beneficiary address, email, full name
  3. Provide a clear colour copy of the payer’s passport/national ID card (front & back) that includes their date of birth and the expiration date
  4. Payer details has to be the same as the bank account sending the payment
  5. Select the correct relationship between Payer and Student
  6. Payer has to be an individual and not a company
  7. Payer has to do a wire transfer and we DON’T ACCEPT cash or cheque deposits

Can I use 2 payments methods in Provider payment to pay for 1 program?

Yes, but you’ll need to create 2 different payments.

Anything else I should be aware of?

Please contact NexPay team for further discussions on the below:

  1. Some payments may require additional documentation - e.g. large transactions.
  2. There is a limit for private payments per month.
  3. In the event that we are unable to process your payment due to compliance and regulatory reasons, we will refund the payer and you will have to find other means of performing the transaction.

For Organisations

How do I process a refund from my organisation to my student?

Create a Company Payment.

Users

How many Agent Users can I link to my organisation?

You can link as many Agent Users as you require. Each user should have his/her own account for compliance reasons.

How do I add an Agent User to my organisation?

Please ask your Agent to sign up as an Agent here, then the Organisation Manager can email support@nexpay.com.au to confirm the user email and user rights (regular or Manager rights).

What should I do when an Agent is no longer with my organisation?

Please email support@nexpay.com.au with the User Email requesting the user to be disabled. The user’s payments can still be accessed by the Manager User of your organisation.

Company Payments

Can I pay different countries in one Company payment?

No, you have to create a company payment for each country you want to pay to. However you can pay multiple beneficiaries within the same country in one company payment.

Can I pay a single total amount to Nexpay to settle all the Company payments I created for different countries?

Yes, as long as you send an email to support@nexpay.com.au confirming the amount you paid and the payment ID numbers you paid for.

How can I ensure my Company payment won’t be on “Hold”.

Company Provider
Invoice must display
  1. the beneficiary bank details
  2. student name
  3. period of study
  4. full school name
Beneficiary as per invoice Yes (if applicable)
Amount Same or lower than invoice
Payer identification N/A Yes - Clear colour copy of the payer’s passport or national ID card (front & back) that includes their date of birth and the expiration date.
Payer details Must be the same as the bank account sending the payment and must include their full residential address
Payer type Individual ONLY
Payment type Wire transfer ONLY

Proof of payment

Proof of payment

What is a proof of payment?

A proof of payment is a document that provides important details about your payment including:

  1. Payment currency and amount
  2. Date of payment
  3. Beneficiary name (account name)
  4. Beneficiary account number
  5. Payment reference

Please note if you pay using a mobile phone application, then screenshots often do not provide enough information and we may need to follow up with you for more details.

Do I need to Upload a proof of payment?

If you paid using either DMT (Domestic Money Transfer) or IMT (International Money Transfer) then YES you will need to provide a proof of payment.

How do I give NexPay a proof of payment?

Step 1. Login to your account (if you do not have an account, email your proof to support@nexpay.com.au)

Step 2. Click on “My payments”

Step 3. Click on “LoadProof” next to the relevant payment

Why do I need to Upload a proof of payment?

A proof of payment allows us to confirm and track your payment. In some countries like Colombia and Brazil, a proof of payment is mandatory. If you do not provide a proof of payment, you may experience delays in the processing of your payment.

Do you have any example Proof of payments?

Yes, please see below for examples of proof of payments in various countries. If you have any questions about your proof of payment, please email support@nexpay.com.au or log a support ticket inside your account online.

Brazil

Canada

Colombia

Please ensure that the proof of payment on Private Payments contains the name of the payer. If the receipt/deposit slip is not included, you will be approached for an extract of your bank statement or online bank receipts.

France

Italy

Japan

Lithuania

SEPA

SEPA

SEPA (or the Single Euro Payments Area) is the new format for cross-border Euro bank transfers. It aims to remove the borders so that the payment is the same as doing a domestic transfer within your own country.

NexPay has their EUR account in United Kingdom and Estonia. Note that although United Kingdom has withdrawn from the European Union but is under a transitional period hence is still part of SEPA.

If you're sending money from a bank based in the SEPA (e.g. France, Spain, Italy, Switzerland or any Eurozone country), sending money to the NexPay Euro account shouldn’t cost any more than a regular, local transfer. In most cases, depending on your bank, this means it’s free.

As with a domestic payment, once your bank has confirmed the transfer, your money should arrive to NexPay within 1 working day, and very often on the same day .

SEPA is made up of the Eurozone. The countries that support Euro bank transfers are Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Portugal, Slovakia, Slovenia, Spain.

Click here to view list of countries in SEPA.

SEPA

SEPA

SEPA (O Single Euro Payments Area por sus siglas en inglés) es un nuevo formato para pagos transfronterizos interbancarios en Euros. El objetivo es remover las fronteras para que el pago sea igual que realizar una transferencia doméstica en tu país.

NexPay tiene su cuenta en EUR en Reino Unido y Estonia. Ten en cuenta que, aunque Reino Unido ya no forma parte de la Unión Europea, se encuentra en un período de transición, y por lo tanto, sigue siendo parte de SEPA.

Si usted está enviando dinero desde un país con sede en SEPA (e.g. Francia, España, Italia, suiza o cualquier país dentro de la eurozona), enviar dinero a la cuenta de NexPay en Euros no deberá costarle más que un depósito doméstico. En algunos casos esto puede significar que no existe un coste por transferencia.

Como sucedería con un pago doméstico, una vez su banco confirme la transferencia su dinero deberá verse reflejado en la cuenta de NePay en un día hábil y usualmente en el mismo día.

La SEPA está compuesta por la zona del euro, los países de la UE y algunos otros países que también respaldan las transferencias bancarias en euros, como Austria, Bélgica, Chipre, Estonia, Finlandia, Francia, Alemania, Grecia, Irlanda, Italia, Letonia, Lituania, Luxemburgo, Malta, Países Bajos, Portugal, Eslovaquia, Eslovenia, España.

Haga clic aquí para ver la lista de países en SEPA.

SEPA

SEPA

LE VIREMENT SEPA (ou l'espace unique de paiement en euros) est le nouveau format pour les transferts bancaires transfrontaliers en euros. Il vise à supprimer les frontières de façon à ce que le paiement soit le même que si vous faisiez un transfert interne au sein de votre propre pays.

NexPay possède son compte EUR au Royaume-Uni et en Estonie. Il convient de noter que, bien que le Royaume-Uni se soit retiré de l'Union européenne, mais se trouve dans une période de transition, il fait donc toujours partie du SEPA.

Si vous envoyez de l'argent d'une banque basée dans la région SEPA (par exemple France, Espagne, Italie, Suisse ou tout pays de la zone euro), envoyer de l'argent sur le compte NexPay Euro ne devrait pas coûter plus qu'un transfert local régulier. Dans la plupart des cas, selon votre banque, cela signifie que c'est gratuit.

Comme avec un virement national, une fois que votre banque a confirmé le transfert, votre argent devrait arriver à NexPay sous 1 jour ouvrable, et très souvent le même jour.

La région SEPA fait partie de la zone euro. Les pays qui prennent en charge les virements bancaires en euros sont l'Autriche, la Belgique, Chypre, Estonie, Finlande, France, Allemagne, Grèce, Irlande, Italie, Lettonie, Lituanie, Luxembourg, Malte, Pays-Bas, Portugal, Slovaquie, Slovénie, Espagne.

Cliquez ici pour voir la liste des pays du SEPA.

SEPA

SEPA

Perché invio il moi pagamento in EURO in un altro paese dell'UE?

LA SEPA (o l'Area unica dei pagamenti in Euro) è il nuovo formato per la cooperazione transfrontaliera europea dei bonifici bancari. Esso mira a rimuovere i bordi in modo che il pagamento è lo stesso come si stesse facendo un bonifico nazionale nel vostro paese.

NexPay ha il loro conto in euro in Estonia.

Se invii denaro da una banca con sede SEPA (per esempio Francia, Spagna, Italia, Svizzera o qualsiasi paese della zona euro), l'invio di denaro all'account NexPay Euro non dovrebbe costare più di un normale trasferimento locale. Nella maggior parte dei casi, a seconda della banca, ciò significa che è gratuito.

Come con un bonifico nazionale, una volta che la vostra banca ha confermato il trasferimento e il vostro denaro dovrebbe arrivare a NexPay entro 1 giorno lavorativo, e molto spesso lo stesso giorno.

La SEPA è costituita dalla zona euro. I paesi che supportano i bonifici bancari europeai sono Austria, Belgio, Cipro, Estonia, Finlandia, Francia, Germania, Grecia, Irlanda, Italia, Lettonia, Lituania, Lussemburgo, Malta, Paesi Bassi, Portogallo, Slovacchia, Slovenia, Spagna.

Privacy Policy

Privacy Policy

NexPay Privacy Disclosure Statement & Consent

This privacy statement is made on behalf of NexPay Pty Ltd ACN 153 910 984 (“NexPay”). All references to “NexPay”, “we”, “us” or “our” in this policy are references to NexPay Pty Ltd.

NexPay is committed to protecting your privacy and to compliance with the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) and any amendments thereto. If you have any questions relating to this privacy statement or your privacy rights please contact us.

This Privacy Statement sets out the policy of NexPay for management of personal information. We are committed to ensuring the privacy of your information and recognise that you, as a customer, are concerned about your privacy and about the confidentiality and security of information that NexPay may hold about you.

By using our web site and/or our services, you consent to our collection, use and collation of your information as it appears within this policy. If at any time our information practices change in the future, we will amend the policy on our website. Should you have any immediate concerns about how your information is used, you should check our website periodically to ensure you are up to date with our current policy.

This Policy is designed to inform customers of –

  • The NexPay Privacy Policy;
  • What information we collect and the purposes for which we collect it;
  • Use and disclosure of information collected;
  • Security of your personal information;
  • Gaining access to information we hold about you;
  • What to do if you believe the information we hold about you is inaccurate;
  • Complaints in relation to privacy; and
  • How to contact us.

Personal Information

Personal information is information or an opinion about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion. NexPay will also collect any personal information necessary for the purposes of complying with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

Information generally collected by NexPay includes (but is not limited to) the following (depending on the nature of the service provided):

  • your name, address and other contact details;
  • relevant financial information;
  • transaction purpose;
  • Identification and verification information;
  • Tax file numbers
  • Bank account information

Open and transparent management of personal information

NexPay seeks to ensure that personal information we hold about an individual is managed in an open and transparent manner. We have implemented procedures to ensure compliance with the Australian Privacy Principles and any applicable codes, and to deal with any complaints relating to our compliance therewith.

NexPay has a clear and up-to-date privacy policy outlining our management of personal information, including details regarding the kind of personal information we collect and hold; how and why we collect and hold this information, and how an individual may access and seek correction of the information we hold about them. We further provide details regarding our complaints handling process, our policy on disclosure of information to overseas recipients.

Collection of personal information

This policy details how NexPay adheres to the Australian Privacy Principles regarding the collection of solicited personal information. NexPay only collects personal information directly from individuals, which is reasonably necessary for the provision of our services, and only by lawful and fair means. We will always ensure you are apprised of our purpose in collecting information, and your right to gain access to such information. If you do not provide the information requested, we may be unable to provide you with our services.

Please note that generally we will only use the personal information we collect for the main purposes disclosed at the time of collection such as to provide you with financial services. We may also use your contact information to provide you with information regarding our other products from time to time, where we believe these may be of interest or benefit to you.

Where possible we will collect the information directly from you but certain information may be collected about you from other sources, for example, a referring third party. You herewith consent to such indirect collection of information in these circumstances, unless you advise us otherwise.

Unsolicited personal information

Where we receive personal information about an individual which is unsolicited by us and not required for the provision of our services, we will destroy the information (provided it is lawful and reasonable for us to do so).

Notification of the collection of personal information

When we obtain personal information about you, we ensure that you have our contact details and that you are aware of the collection of information and our purposes for doing so. As per above, we are unable to provide certain services if the requested information is not provided. We do not disclose your information to third parties, unless they are related entities or services providers, in which case they are required to conform to our procedures.

Use and disclosure of personal information

NexPay collects and holds personal information about an individual for the purpose of providing remittance services. We collect this information with your consent as per our service documentation, for the primary purpose disclosed to you at the time of collection.

However, in some cases NexPay will use or disclose personal information for secondary purposes (any purpose other than a primary purpose). Personal information obtained to provide remittance services may be applied to secondary purposes if the secondary purpose is related to the primary purpose of collection and the person concerned would reasonably expect the personal information to be used or disclosed for such secondary purpose. NexPay may also provide your personal information to third parties in order to provide you with our remittance services.

We may exchange or supply your personal information with/to our professional advisers or agents, external service providers, your nominated professional advisers or representatives, government departments/agencies/bodies, other financial institutions, our insurers, or debt collectors. Examples include disclosure of your information to an external party providing electronic identification services, or to intermediary banks in order to process transactions on your behalf.

We may also disclose your personal information without consent where it is required or authorised by law.

Direct Marketing

NexPay will only use personal information obtained for the provision of remittance services, for the secondary purpose of direct marketing where:

  1. NexPay collected the personal information from the individual; and
  2. The individual would reasonably expect NexPay to use or disclose the information for the purpose of direct marketing; and
  3. NexPay provides a simple means through which an individual can request to not receive marketing communications; and
  4. The individual has NOT requested such communications cease.

Please note that NexPay allows an individual to opt out of the receipt of direct marketing in each direct marketing communication. You can change your mind about receiving information at any time by emailing us at support@nexpay.com.au . On occasion, the law requires us to advise you of certain changes to products/services or regulations. You will continue to receive this information from us even if you choose not to receive direct marketing information from us. We will not disclose your information to any outside parties for the purpose of allowing them to directly market to you.

Cross border disclosure/Sensitive information/Use of government identifiers/Anonymity & Pseudonymity

NexPay does not, for the purposes of the Privacy Act, collect sensitive information. Wherever lawful and practicable, individuals may deal anonymously with NexPay but given the nature of our services, it is unlikely that this will be a viable option. NexPay does not use official identifiers (e.g. tax file numbers) to identify individuals. An individual’s name or Australian Business Number is not an identifier for the purposes of the Privacy Act and hence may be used to identify individuals.

NexPay will only share/transfer personal information with overseas entities or persons to facilitate your transactions or comply with our legal obligations. Such entities or persons may include overseas intermediary banks, as well as our overseas branches and service providers (who will be required to comply with our privacy policy).

Access to personal information

Where a person requests access to their personal information, our policy is, subject to certain conditions (as outlined below) to permit access. We will not charge an individual for reasonable access and correction requests. If a person wishes to access their personal information or correct it, they should contact the Privacy Officer, and we will seek to provide such information within a reasonable period of time, and in the manner so requested (where reasonable to do so).

NexPay may not always be able to give you access to all the personal information we hold about you. If this is the case, we will provide a written explanation of the reasons for our refusal, together with details of our complaints process for if you wish to challenge the decision.

We may not be able to give you access to information in the following circumstances:

  1. Where we reasonably believe this may pose a serious threat to the life, health of safety of any individual or to public health/safety;
  2. Which would unreasonably impact the privacy of another individual;
  3. Where such request is reasonably considered to be frivolous or vexatious;
  4. Which relates to existing or anticipated legal proceedings which would otherwise not be accessible in the discovery process relating to such proceedings;
  5. Which would reveal our intentions and thereby prejudice our negotiations with you;
  6. Which would be unlawful;
  7. Which is prohibited by law or a court/tribunal order;
  8. Which relates to suspected unlawful activity or serious misconduct, where access would likely prejudice the taking of appropriate action in relation thereto;
  9. Where enforcement activities conducted by or on behalf of an enforcement body may be prejudiced; or
  10. Where access would reveal details regarding a commercially sensitive decision-making process.

Correction of personal information

NexPay takes all reasonable steps to ensure the personal information held about individuals is accurate, up-to-date and complete. We verify personal information at the point of collection.

Where NexPay believes information we hold about an individual is inaccurate, out-of-date, incomplete, irrelevant or misleading, OR an individual requests us to correct information held about them, NexPay will take all reasonable steps to correct such information in a reasonable time frame. No fees are payable for such requests. If you request us to similarly advise a relevant third party of such correction, we will facilitate that notification unless impracticable or unlawful for us to do so.

If NexPay intends to refuse to comply with your correction request, we will notify you in writing of our reasons for such refusal, and the complaints process you may avail if you wish to challenge that decision. You may also request that we associate the personal information we hold with a statement regarding your view of its inaccuracy.

If you believe any of your personal information is incorrect, has changed, or is out-of-date please notify NexPay as soon as possible via email – support@nexpay.com.au or via phone 1300 786 320.

Security of personal information

We take reasonable steps and precautions to keep personal information secure from loss, misuse, and interference, and from unauthorised access, modification or disclosure

Personal information imaged and stored on electronic databases requires password access and access is restricted to authorised personnel.

Where information is no longer required to be held or retained by NexPay for any purpose or legal obligation, we will take all reasonable steps to destroy or de-identify the information accordingly.

Cookies

Cookie is a small text file placed on your computer hard drive by a web page server. Cookies may be accessed later by our web server. Cookies may store information about your use of our web site. Cookies also allow us to provide you with more personalised service when using our web site.

Most web browsers are set to accept cookies but you may configure your browser not to accept cookies. If you set your browser to reject cookies you may not be able to make full use of the NexPay web site.

To administer and improve our Web site, we may use a third party to track and analyse usage and statistical volume information, including page requests, form requests, and click paths. The third party may use cookies to track behavior and may set cookies on behalf of us. These cookies do not contain any personally identifiable information.

Privacy Complaints

If you have a complaint relating to our compliance with privacy laws or our treatment of your personal information, please contact our Privacy Officer at the contact details above. We will investigate your complaint and endeavour to resolve the issue to your satisfaction. If you are not satisfied with the outcome of your complaint, you have the right to lodge a complaint with the Office of the Australian Information Commissioner by telephoning 1300 363 992 or visiting their website at www.oaic.gov.au

European Union Privacy

Your Rights

This statement is made on behalf of NexPay Pty Ltd ACN 153 910 984 (“NexPay”). All references to “NexPay”, “we”, “us” or “our” in this policy are references to NexPay Pty Ltd and its subsidiaries.

In addition to the principles detailed in the NexPay Privacy Disclosure Statement & Consent (‘the policy’), NexPay is committed to protecting your privacy under legislation and best practice requirements across all jurisdictions in which it operates.

In offering its services to UK and EU based individuals, NexPay complies with, amongst other legislation, the General Data Protection Regulation (‘GDPR’) (EU Regulation 2016/679).

This addendum sets out the specific requirements for the processing of personal information under the GDPR requirements. Where no specific differences are detailed, ‘the policy’ provides the default approach and overriding principles.

The addendum is designed to inform customers in relation to the following principle rights:

  • Right of Access: the right to be informed of and request access to the personal data we process about you;
  • Right to Rectification: the right to request that we amend or update your personal data where it is inaccurate or incomplete;
  • Right to Erasure: the right to request that we delete your personal data;
  • Right to Restrict: the right to request that we temporarily or permanently stop processing all or some of your personal data;
  • Right to Object:
    1. the right, at any time, to object to us processing your personal data on grounds relating to your particular situation;
    2. the right to object to your personal data being processed for direct marketing purposes;
  • Right to Data Portability: the right to request a copy of your personal data in electronic format and the right to transmit that personal data for use in another party’s service; and
  • Right not to be subject to Automated Decision-making - the right to not be subject to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect.

The Addendum further informs EU based individuals of

  • What information we collect and the purposes for which we collect it;
  • Use and disclosure of information collected;
  • Security of your personal information;
  • Gaining access to information we hold about you;
  • What to do if you believe the information we hold about you is inaccurate;
  • Complaints in relation to privacy; and
  • How to contact us.

Personal Information

As mentioned in ‘the policy’, information generally collected by NexPay includes (but is not limited to) the following (depending on the nature of the service provided):

  • Your name, address, email and other contact details;
  • Relevant financial information;
  • Transaction purpose;
  • Identification and verification information;
  • Tax file numbers
  • Bank account information

This information is collected solely from you and will not be obtained from third-party sources.

Processing:

In adherence to GDPR legislation, the above personal data is processed by NexPay for the following purposes:

  1. In order to allow your transactions and instructions to be processed and notification provided to you relating to the status of such. Also to allow your education agent and/or education provider to receive approved feedback from NexPay in relation to your transaction. The legitimate grounds for this processing is the performance of a contract to which you are a party.
  2. For the purposes of preventing fraud or criminal acts. The legitimate ground for this processing is the pursuing of the legitimate interest of NexPay to protect its businesses/interests against losses caused by fraud or criminal acts.
  3. In order to comply with NexPays legal obligations under applicable legislation relating to the fight against money laundering and the financing of terrorism or to comply with a request from law enforcement authorities and other legal or administrative authorities. The legitimate ground for this processing is the compliance with a legal obligation to which NexPay is subject or the processing is necessary for the performance of a task carried out in the public interest.

The provision of personal data is either a contractual or a statutory requirement and is obligatory since without this personal data NexPay cannot:

  1. enter into a contractual relationship with you or your agent,
  2. protect its own business/interests, or those of any other third party against losses caused by fraud,
  3. comply with legal obligations related to the fight against anti-money laundering and the financing of terrorism and comply with requests from law enforcement authorities and other competent legal authorities.

Communicating

NexPay will not communicate your personal data to third parties, except in the following limited circumstances:

  1. Communication by NexPay to any third party that is involved in the processing of the payment, its suppliers, subcontractors or other parties with whom NexPay has a contractual relationship and that provide services for / assistance to NexPay in the framework of:
    1. the performance of the agreement between you and NexPay, and/or
    2. fraud prevention or the prevention of criminal acts.
  2. To comply with its legal obligations, namely if NexPay is required by law to communicate certain information or documents to national regulators, law enforcement authorities or any judicial authority in the countries and territories in which it operates. Communication of personal data to those entities will be limited to the extent necessary or required under the applicable regulations.

NexPay will communicate your personal data to any organisation without your consent and where it is not used for the purposes specified. NexPay will also not provide you with direct marketing without your explicit consent and will not provide your personal data to any other direct marketing organisation.

Retention

NexPay will keep your personal data only as long as necessary to provide you with legitimate and essential business purposes or for complying with our legal obligations and resolving disputes.

If you request, we will delete or de-identify your personal data, unless we are legally required to maintain it, in which case we will let you know.

Transfer to other countries

NexPay may transfer your data outside of the EU and Switzerland to group companies, to provide you with effective services and support our contractual obligations to you. NexPay’s platform uses best in class encryption algorithms and protocols to secure your data, as well as strong multi-layered password protection.

To maintain continuity of service and effective contingency, NexPay data is hosted in multiple overseas locations managed by Microsoft Azure. Microsoft Azure is also fully compliant with GDPR regulations. It is policy for NexPay to ensure that all existing or prospective partners, that may host personal data, are similarly compliant.

NexPay is committed to protecting users personal data. We implement appropriate technical and organisational measures to help protect the security of your personal data; however, please note that no system is ever completely secure. We have implemented various policies including pseudonymisation, encryption, access, and retention policies to guard against unauthorised access and unnecessary retention of personal data in our systems.

Your password protects your user profile and we encourage you to use a unique and strong password, limit access to your computer and browser, and log out after having used the NexPay platform.

Children’s Data

NexPay does not knowingly collect from children under 16 years. If you are under 16 years of age please do not use NexPay and do not provide any personal data to us.

If you are a parent or guardian of a child under 16 years of age and become aware that your child has provided personal data to NexPay, please contact us though the support contact details in this addendum.

If we learn that we have collected the personal data of a child under the age of 16 years, we will take reasonable steps to delete the personal data.

Access to your Personal Data

You are entitled to access your data. If you would like to do so please contact the NexPay Privacy Officer by email at support@nexpay.com.au

Privacy Complaints

If you have a complaint relating to our compliance with privacy laws or our treatment of your personal information, please contact our Privacy Officer at support@nexpay.com.au or on the either of the following numbers

NexPay Pty Ltd : +612 90787967

We will investigate your complaint and endeavour to resolve the issue to your satisfaction. If you are not satisfied with the outcome of your complaint, you have the right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.

The supervisory authority of the NexPay parent company (NexPay Pty Ltd) is The Office of the Australian Information Commissioner. Please visit their website at www.oaic.gov.au

Changes to this Notice

This addendum will be reviewed annually or as required under changes to the GDPR regulation.

Effective Date May 25th 2018

Videos

Videos

Nexpay Education Paid Easy - how does it work?

EdTech Roadshow 2017, The Hidden costs of moving money internationally

NexPay participation in the EdTech Roadshow.

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AML and CTF

AML and CTF

NexPay and Client Security: Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF)

NexPay takes its clients’ financial safety seriously. We do this by maintaining comprehensive anti-money laundering & counter-terrorism financing (AML-CTF) controls and procedures to ensure all parties to each payment are protected.

NexPay does this by collecting the following for every payment:

  1. Clear valid identification of the payer including photo identification, date of birth and residential address
  2. Clear evidence of the purpose of the payment with supporting documentation such as Letter of Offer, Invoice (from a service provider) or Student/Work Visa
  3. Clear 'Know Your Customer' (KYC) information about your business and our relationship with you
  4. Clear proof of payment. Note: It is also our policy not to accept Cash or Cheques.

How can you help?

  1. Ensure payers are providing you with relevant identification documents
  2. Ensure you provide us with correct supporting information for the purpose of payment
  3. Let us know if your business model changes
  4. Advise your payers that NexPay does not accept cash or cheques
  5. Ask your payers to pay promptly so we can process your payments faster, and avoid having to return funds

Integrations

NexPay Payment Integrations

NexPay offers multiple and customizeable integrations for you to make payment with NexPay.

We understand different business requires diffferent solutions. Our integrations covers your business from small to enterprise size business.

You can contact us by email us at support@nexpay.com.au

Pay Now Link

Send a secured link to the payers and receive payments easily.

Pay Now - Embed

Use a secure NexPay Pay Now page embedded on your page and receive payments easily.

Pay Now - Popup Checkout

Use a secure NexPay Pay Now page for popup check out experience from your website payment page to receive payment easily.

API

Full API integration. For you that want to control user's immersive experience on your site.

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