Xetta
Xetta is a cloud-native payment management platform from Nelnet International that centralizes payment data for higher education, healthcare, and local government organizations across APAC, integrating 60+ payment channels and partners into a single PCI DSS Level 1 compliant hub.
- Company typePrivate
- Founded1989
- HeadquartersWheelers Hill, Australia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Xetta does
Xetta is a payment management platform operated by Nelnet International Pty Ltd, headquartered in Wheelers Hill, Australia. The platform provides organizations with a single source of truth for payment data by integrating with core business systems (ERP, finance) and consolidating diverse payment channels into a unified hub. Xetta serves primarily higher education institutions (80%+ of Australian universities, including UNSW, Curtin, NUS, Macquarie, Victoria, and Southern Cross), with secondary focus on local government and healthcare. The technology is a cloud-native platform built on Microsoft Azure with Cloudflare security, offering both a browser-based Xetta Next platform and legacy desktop client, an API-first architecture via the Developer Hub, and a REST Payment Link API. The platform holds PCI DSS Level 1, GDPR, and CCPA compliance certifications.
Xetta generates revenue through enterprise subscription contracts (multi-year, quote-based pricing), managed services (system administration, upgrade management, user management), and on-demand professional services (consulting, customization, project management). Distribution is via direct enterprise sales with regional phone support across Australia, New Zealand, and Singapore, supplemented by a 17+ partner network including Visa, Oracle, PayPal, Cybersource, Flywire, Commonwealth Bank, NAB, ANZ, and others. The company has been actively modernizing its platform through quarterly releases (Version 1.5 Q2/Q3/Q4 2025, Q1 2026) and expanding geographically across APAC, with a flagship strategic partnership with Visa Acceptance Solutions announced in April 2026.
Xetta firmographics
Firmographics- Name
- Xetta
- Legal name
- Nelnet International Pty Ltd
- Website
- https://xetta.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Xetta is a cloud-native payment management platform from Nelnet International that centralizes payment data for higher education, healthcare, and local government organizations across APAC, integrating 60+ payment channels and partners into a single PCI DSS Level 1 compliant hub.
- Ownership category
- akta.pro rank
Xetta industry classification
Industry- Product category
- Payment Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industries
- Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB), Payment Gateways & Orchestration (BPAMAFAA)
Keywords
Where Xetta is headquartered
LocationHeadquarters
- HQ city
- Wheelers Hill
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Xetta business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription/Platform Fees: SaaS payment management platform with subscription-based pricing model. Organisations pay for access to the Xetta platform including configuration, implementation, and ongoing platform management.
- Managed Services: Additional managed services including system administration, upgrade management, user management, and configuration support provided as ongoing service.
- On-Demand Services: One-off consulting, customisation, product enhancement, and project management services available as needed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise subscription model - custom pricing based on organisation size and requirements |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels6 records
Xetta product offering
Product offeringCore offering
Xetta is a customisable payment management hub that integrates with core business systems and diverse payment channels to collect and centralise payment data for organisations. The platform is delivered as a cloud-native solution on Microsoft Azure with a browser-based Xetta Next experience, API-first integration via a Developer Hub, and a legacy desktop client. Xetta supports customers with managed services for implementation, configuration, and ongoing administration, along with on-demand consulting and customisation services.
Product overview
Xetta is a unified payment management platform from Nelnet International that provides organisations with a single source of truth for payment data. The core Xetta Payment Management Platform integrates with core business systems and diverse payment channels to centralise payment data. The platform includes the Xetta Next browser-based experience delivering core modules (Setup, Dashboard, Transactions, Invoices, Orders, Events, Web Users, Refund Review, Electronic Journal, Reference Data) alongside the Developer Hub providing API-first integration capabilities through the Payment Link API. Additional features include Session Manager for session activity management, Bulk Importing for file uploads, and the upcoming Disbursement Module. Xetta serves higher education, healthcare, and local government sectors with managed services and on-demand consulting offerings.
Differentiator
Problem solved
Functional benefit
Products and services
- Xetta Payment Management Platform A customisable payment management hub that integrates with core business systems and diverse payment channels to collect and centralise payment data, enabling organisations to manage business-wide payments via a single platform.
- Managed Services Expert guidance and hands-on support services including configuration, implementation, system administration, upgrade management, and user management provided by Xetta payment specialists.
- On-Demand Services Flexible consulting, customisation, product enhancement, integration, project management, system administration, and workflow design services available on a once-off or short-term basis.
- Developer Hub A dedicated developer portal providing API documentation, integration resources, and technical documentation. Serves as the single source of truth for API documentation with standardised API structures for faster implementation.
- Payment Link API A REST API that enables developers to generate secure payment page URLs within Xetta, designed as a modern alternative to traditional TranAdd workflows with simplified integration requirements.
- Xetta Next (Web Browser Platform) The next-generation browser-based payment management platform that delivers core functionality including Setup, Dashboard, Transactions, Invoices, Orders, Events, Web Users management, Refund Review, Electronic Journal, and Reference Data tools directly in the browser.
- Web Register A web-based in-person payment and receipting solution that processes payments directly within the Xetta browser experience without relying on the desktop client, supporting cash, EFT, and integrated PIN pad payments.
- Session Manager A modern session management tool providing clear snapshots of all register and system session activity, enabling drill-down into transactions, GL codes, tender types, and real-time register location identification.
Quantifiable outcome
- 55+ organisations supported across Australia, New Zealand and South-East Asia
- +5 more outcomes
Companies that use Xetta
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Xetta technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature9 records
Xetta partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered flagship, core and standard.
- Visa Acceptance SolutionsflagshipStrategic partnership to deliver secure, connected, and efficient payment experience for organisations across Asia Pacific. Combines Visa's global payment acceptance capability and token management services with Xetta's centralised payment management. Focus on higher education, healthcare, and government agencies. Singapore University of Social Sciences is first institution to benefit.
- OraclecoreNelnet International partnered with Oracle as a global leader in enterprise software to provide an integrated solution to customers.
- Microsoft AzurecoreXetta partners with Microsoft Azure for fast, reliable performance and best-in-class data security. Azure provides cloud infrastructure hosting.
- CloudflarecoreXetta partners with Cloudflare for best-in-class data security and DDoS protection.
- PayPalstandardPayPal enables secure, seamless transactions across online, mobile, and in-person channels for 277 million global account holders.
- CybersourcestandardCybersource, a Visa solution, allows businesses to securely accept payments online and in-store, supporting fraud management globally.
- FlywirestandardFlywire facilitates payments for 2,500 institutions globally, supporting 140+ currencies with first-class security and 24/7 support.
- Commonwealth BankstandardCommonwealth Bank enhances financial well-being for 17.4 million customers through personal, business, and institutional banking services.
- NABstandardNAB partners with schools, universities, and communities to provide financial services, nurturing future generations for 150 years.
- ANZstandardANZ supports education by partnering with providers, shaping a future where people and communities thrive.
- ConverastandardConvera enables secure, simple international fee payments, supporting 140+ currencies and 200+ countries for educational institutions.
- UnionPay InternationalstandardUnionPay International enables secure cross-border payment services, supporting card acceptance in 180 countries and regions.
- WindcavestandardWindcave supports seamless global transactions for e-commerce and retail, integrating popular payment methods across 30+ countries.
- StarRezstandardStarRez provides an intuitive, cost-effective housing solution that evolves with customer needs, ensuring a seamless management experience.
- AzupaystandardAzupay offers real-time payment solutions using NPP and PayID, improving cash flow and reducing fraud for Australian businesses.
- CampusGuardstandardCampusGuard ensures organizations meet cybersecurity and compliance standards, providing secure IT environments and business operations.
- Nelnet InternationalflagshipParent company. Nelnet International delivers powerful education and commerce platforms that unite people, process and technology. Has more than 35 years of experience delivering innovative education and payment platforms to diverse industries. Xetta is the commerce platform under the Nelnet International brand.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Xetta competitors and assessment
Company assessmentDirect peers
- TouchNet: TouchNet is a direct competitor in education payment management, providing tuition billing, payment processing, and reconciliation for universities in North America and internationally — closely comparable to Xetta's higher-ed focus.
- Transact (Ellucian): Transact Campus Commerce (now part of Ellucian) is a direct peer offering integrated commerce and payment platforms for higher education, serving a comparable role to Xetta for SIS-integrated payments.
- Flywire: Flywire is both a Xetta partner and a direct competitor in international education payments, serving 2,500+ institutions with cross-border tuition flows — overlapping with Xetta's international payment use cases.
- CASHNet (ACI Payments): CASHNet, part of ACI Payments, offers payment processing specifically for higher education, including tuition billing and cashiering — a directly comparable specialist platform.
- Tuition Management Systems: Tuition Management Systems provides tuition payment plans and education billing solutions to institutions — a direct competitor to Xetta's higher-education payment management focus.
Broad incumbents
- Nelnet Business Solutions: Xetta's ultimate parent, Nelnet Business Solutions operates broader payment and education finance solutions in the US, providing comparable payment management capabilities but at much larger scale and across a wider product portfolio.
- Anthology (Blackboard): Anthology (formerly Blackboard) offers an integrated student system with commerce/payment capabilities serving higher education globally — overlapping with Xetta's enterprise SIS-integrated payments niche.
- Stripe: Stripe is a broad incumbent in payments increasingly moving into vertical-specific solutions including education and government, with multi-PSP routing capabilities that overlap with Xetta's orchestration value proposition.
- ACI Worldwide: ACI Worldwide operates real-time electronic payment processing software for banks, merchants, and billers — a broad incumbent whose payment processing and biller solutions overlap with Xetta's enterprise payment hub role.
Others
- Nelnet: Nelnet, Inc. (NYSE: NNI) is Xetta's publicly-traded ultimate parent, providing corporate resources, capital, and back-office scale that Xetta leverages while operating as the APAC commerce brand.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Xetta social profiles
Digital presenceXetta compliance and trust
Trust signalCompliance3 records
Xetta financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xetta leadership team
Management profileNumber of profiles
Profiles6 records
Xetta funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xetta M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Xetta
What does Xetta do?
Xetta is a customisable payment management hub that integrates with core business systems and diverse payment channels to collect and centralise payment data for organisations. The platform is delivered as a cloud-native solution on Microsoft Azure with a browser-based Xetta Next experience, API-first integration via a Developer Hub, and a legacy desktop client. Xetta supports customers with managed services for implementation, configuration, and ongoing administration, along with on-demand consulting and customisation services.
Is Xetta a public or private company?
Xetta is a private company. It is classified as corporate owned and is currently operating.
When was Xetta founded?
Xetta was founded in 1989. It employs 51 to 100 people.
Where is Xetta based?
Xetta is headquartered in Wheelers Hill, Australia, in the Oceania region.
How does Xetta make money?
Three revenue lines are on record. Subscription/Platform Fees are the primary driver. The others are managed Services and on-Demand Services.
Who are Xetta's main competitors?
Direct peers on record are TouchNet, Transact (Ellucian), Flywire, CASHNet (ACI Payments) and Tuition Management Systems. Broad incumbents are Nelnet Business Solutions, Anthology (Blackboard), Stripe and ACI Worldwide. Nelnet is listed as an others.
Does Xetta have an API?
Yes. Xetta offers a REST API through its Developer Hub, providing Payment Link API and TranAdd API endpoints. The Payment Link API enables developers to generate secure payment page URLs within Xetta, eliminating hashing requirements and aligning with modern REST API standards. The API serves as the foundation for Xetta's evolution toward an API-first payment platform. Developers can design payment journeys, connect directly with core systems and third-party platforms, enable more payment methods securely, and centralize data for insights and automation. Developer documentation is at docs.xetta.com/api.
What industry is Xetta in?
Xetta's product category is Payment Management Software. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAMACAB, Payment Orchestration Platforms (Multi-PSP Routing). Its NAICS code is 522320 and its SIC code is 7372.