Qualy is a education payments platform that enables recruitment agencies to receive tuition fees and pay out commissions. It was founded by CEO Raphael Arias, who identified a gap in the market caused by the industry’s reliance on outdated processes. Despite education being Australia’s largest export, with international student spending accounting for more than half of the nation’s economic growth in 2023 (as reported by the Australian Financial Review), the management of tuition payments has lagged behind modern standards. Until now, most tasks were handled manually, from student payments to reconciliation and the settlement of suppliers and partners.
The challenge
Qualy envisioned a streamlined, automated solution – but payments were the missing piece.
They had a clear set of requirements:
- Create a frictionless and transparent payment experience for students
- Secure and efficient payment tools for educators
- Simplified reconciliation and complete automation of fund allocation
- Receive tuition fees and send out commissions instantly in real-time
The solution
“By partnering with Zai, Qualy was able to turn its vision into a reality. Zai’s platform didn’t just meet the technical specs; it understood the mission. With secure payments, real-time dashboards, and seamless fund allocation, Zai was more than just a provider—it became the backbone of Qualy’s evolution" Founder and CEO, Raphael Arias
Zai's flexible platform and deep understanding of Qualy's vision proved to be the perfect fit. Zai's payment solutions empowered Qualy with unparalleled control, including the ability to manage gross payments without fee deductions.
In Raphael's words, "We wouldn't have been able to accomplish our vision with any other company. We wouldn't have the same control. We wouldn't have the same abilities. Zai wasn't just a payment provider; they were paramount to Qualy's success.”

Why Zai
Zai's comprehensive API provided the depth, customisation and flexibility that Qualy needed to achieve the best customer experience. By automating multiple inbound payments and payouts, Zai helped Qualy to streamline key processes, eliminate manual errors, and reduce friction throughout the customer's journey.
- Seamless Payment Experience: Students enjoy a secure, frictionless payment process, while schools and education suppliers have efficient tools to manage payments.
- Financial Management Efficiency: Automation and real-time insights have simplified financial management for Qualy.
- No Errors & Increased Uptime: Zai's automated workflows eliminate manual handling of unmatched payments, and has 99.99% uptime.
- Growth & Innovation: Zai's diverse payment options, including innovative methods like PayTo, facilitate cross-sector adoption and support expansion into new markets. By consolidating multiple payment methods into a single, streamlined platform, Zai enhances the experience for both Qualy and its users. Students benefit from greater transparency around fees, fostering trust and ensuring they feel valued rather than exploited.
“Zai doesn’t just enable payments, it orchestrates them with the finesse of a seasoned conductor. Zai was the only choice for a company as forward-thinking as Qualy.” Founder and CEO, Raphael Arias