Qualy

What Qualy does

Qualy is a cloud-native payment platform purpose-built for the international education sector, headquartered in Tallinn, Estonia, with regional operations in Sydney (Australia) and Brazil. The company processes tuition fees and related payments (including OSHC, enrollment, and materials) from international students on behalf of schools, colleges, and universities, then automatically calculates and distributes multi-party commissions to education agents and sub-agents in under 10 seconds. Its core technology runs on Google Cloud with Cloudflare-fronted security, per-tenant database isolation, and AES-256 field-level encryption; PCI DSS compliant partners handle card data so Qualy operates a non-custodial model. The product surface includes a real-time dashboard, a full REST API with sandbox and webhook support, an MCP server for AI assistant integration, native integrations with Xero, Quickbooks, RTO Manager, and Zapier, and regional payment rails spanning Pix, Boleto, Klarna, PayTo/PayID, and Carte Bleue alongside the major card networks.

The company serves two primary customer segments — international education schools/colleges and education agents/agencies — across more than a dozen localized website markets covering Europe, the APAC region, and Latin America. Qualy monetizes primarily via transaction-based fees on payment processing and commission distribution, with a pilot/no-commitment entry point, a pay-as-you-go standard tier, and a custom-priced Enterprise tier; pricing is positioned as transparent with no implementation fees or long-term contracts. Its go-to-market blends self-serve onboarding for smaller accounts with sales-assisted demos for larger institutions, supported by content marketing, a vertical podcast (The Brief), multi-language SEO, and earned media in The PIE News.

Qualy was founded in 2022 by Raphael Arias, who previously built and exited EducationLink (acquired by Edvisor in 2020), and remains founder-CEO-led with no disclosed external venture capital or private equity backing. Operating geographies include Estonia, Australia, Brazil, plus extended reach via localized web properties into Korea, Denmark, Italy, and Spain, and the company maintains compliance attestations across PCI DSS, GDPR, LGPD, CCPA, PSD2/SCA, HIPAA framework, SWIFT CSCF, and KYB/KYC.

Name

Qualy

Legal name

Qualy Services OÜ

Website

https://qualyhq.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Qualy is a cloud-native payment platform that processes international student tuition fees and automatically calculates and distributes multi-party commissions to education agents and sub-agents. It serves schools, colleges, and education agencies across Europe, Australia, Brazil, and several additional regional markets.

Ownership category

akta.pro rank

Product category

Education Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payments, Cashiering & Payment Plans (EDALAJAE)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Payment Processing & Acquiring Infrastructure (FSAGABAC), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)

Keywords

• International education payments
• Tuition fee processing
• Commission distribution platform
• Education agent payouts
• Cross-border payment infrastructure

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations

Revenue model

1. Transaction-based Payment Processing: Qualy charges transaction fees for processing tuition payments and distributing commissions. The platform handles multi-party splits (tuition, OSHC, enrollment fees, materials) and instant commission distribution to agents.
2. Enterprise/Custom Pricing: Enterprise tier with custom pricing for larger institutions requiring dedicated support, custom integrations, and advanced features.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Qualy is a cloud-native payment platform purpose-built for the international education industry. It enables schools, colleges, and education agents to receive tuition fees from international students in multiple currencies, automatically calculate and distribute commissions to agents and sub-agents in under 10 seconds, reconcile bank payments with unique reference numbers, and manage overdue payments through automated reminders. The platform operates through licensed financial partners under a non-custodial model.

Product overview

Qualy is a unified payment platform for the international education industry, combining a core payment processing platform with integrated tools for tuition fee collection, commission management, and partner payouts. The portfolio includes the main Qualy platform, a real-time dashboard for payment visibility, the Qualy API for developer integration, an MCP server for AI assistant connectivity, and native Zapier integration. The platform supports multiple payment gateways (Visa, Mastercard, Wise, Pix, Boleto, Klarna, and others) and integrates with accounting tools like Xero and Quickbooks. Qualy Pay handles secure instant payment processing, while the Trust Center provides security and compliance documentation.

Differentiator

Problem solved

Functional benefit

Products and services

• Qualy Payment Platform Cloud-native payment platform for international education that enables schools and education agents to receive tuition fees, manage commissions, automate payouts, and reconcile payments in real-time. Serves schools, colleges, and education agents recruiting international students across multiple countries and currencies.
• Qualy Dashboard Real-time web dashboard providing oversight across current, pending, and overdue payments with filtering for partner performance and revenue projections. Used by schools and agents to monitor payment flows and commission status without spreadsheets.
• Qualy API REST API for international education payment automation. Supports payment intent creation, webhook notifications for payment events, sandbox testing, and integration with CRM, accounting, and student management systems. Targeted at developers and enterprise customers integrating Qualy into existing platforms.
• Trust Center Security and compliance documentation hub covering payment security, system security, personnel security, global compliance, operational stability, and transparency policies. Used by prospective enterprise customers to evaluate Qualy's security posture and certifications.
• Qualy Pay Payment processing component that securely and instantly receives payments from students via multiple global payment methods (cards, Pix, Boleto, Wise, Klarna, PayID, etc.). Used by schools and education agents to collect tuition and fees from international students.

Quantifiable outcome

• Funds available in under 10 seconds, 365 days a year
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration31 records

AI capability2 records

Feature9 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• XerocoreTechnology or IntegrationNative accounting software integration. Qualy works alongside Xero, syncing payment and financial data with the accounting platform for seamless bookkeeping.
• QuickbookscoreTechnology or IntegrationNative accounting software integration. Qualy works alongside Quickbooks for accounting synchronization.
• ZapiercoreTechnology or IntegrationIntegration with Zapier connecting Qualy to 7,000+ apps for workflow automation without code or engineering.
• The PIE NewsminorGTM or Marketing PartnerPress coverage in The PIE News (international education media). Qualy featured in article 'Qualy enters market with payments solution'.
• Licensed Financial Partners (PSP)coreTechnology or IntegrationGlobal payment service providers with proper financial licenses in each jurisdiction. All fund flows are processed through these licensed partners. Qualy does not hold funds directly (non-custodial model).
• Google CloudcoreTechnology or IntegrationCloud infrastructure provider. All services run on Google Cloud enterprise environment for high availability and security stability.
• CloudflarecoreTechnology or IntegrationDDoS protection, traffic filtering, and advanced security features. All connections verified through Cloudflare to prevent spoofing.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Flywire: Publicly traded global payments platform purpose-built for international tuition and education fees, serving universities, schools, and students across 240+ countries. Directly comparable to Qualy in vertical, customer base, and cross-border tuition workflow.
• Convera: Cross-border B2B payments specialist (formerly Western Union Business Solutions) with a dedicated education vertical serving universities, language schools, and education agents. Comparable to Qualy in target customer, multi-currency tuition flows, and commission payout use cases.
• peerTransfer: Pioneer in international tuition payments for higher education (acquired by and folded into Flywire). Highly comparable to Qualy's tuition-orchestration workflow and school/agent customer base.

Emerging players

• TerraPay: Cross-border payments infrastructure network enabling payouts and pay-ins across 200+ markets. Comparable to Qualy's multi-currency commission disbursement and global payment-method coverage.
• Modern Treasury: Payment operations platform for moving and reconciling money via APIs, with strong multi-PSP orchestration primitives. Comparable to Qualy in its API-first, payment-orchestration approach to complex multi-party flows.
• Tipalti: Global payables automation platform handling mass payouts, multi-currency, and partner commissions for marketplaces and platforms. Comparable to Qualy on the multi-party, multi-currency commission distribution use case.

Broad incumbents

• Stripe: Dominant global payment platform with Stripe Connect, multi-currency, and Connect for Platforms. A broad incumbent that competes for the same SMB/enterprise payment processing wallet and could move down into education-specific workflows.
• Wise (Business): Cross-border money movement platform with multi-currency accounts and mass-payout features used heavily by education agents and language schools. Comparable to Qualy on cross-border tuition and commission movement, though horizontal rather than education-specialized.

Others

• Rapyd: Fintech-as-a-service infrastructure providing global payments, payouts, and local payment methods via APIs. Comparable to Qualy as an enabler of cross-border pay-ins and payouts that Qualy's non-custodial stack could build upon or compete with.
• Edvisor: Education agency management system and the acquirer of Qualy founder Raphael Arias's previous company (EducationLink). An ecosystem partner/adapter in the international education stack that Qualy already complements.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/qualyhq

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Qualy