UniPay powers the complete financial lifecycle of academic institutions. From student enrollment to tuition disbursement with bank-grade security and real-time settlement across 190+ countries.
KYC Verified
Real-time status
Why UniPay
Accept tuition, fees, and donations globally with multi-currency support and instant settlement across 190+ countries.
Issue individual IBAN accounts to every student and department, enabling precise reconciliation with zero manual effort.
Issue programmable Visa/Mastercard debit cards with spending controls, instant freeze, and real-time notifications.
Track every payment in real time with a full audit trail, exportable reports, and automated reconciliation to your ERP.
Connect campus merchants, cafeterias, and bookstores into one unified payment ecosystem with consolidated settlement.
Virtual Accounts
UniPay generates a unique virtual IBAN for every student, department, and programme , eliminating the need for reference numbers and manual matching. Every pound, dollar, or euro lands exactly where it belongs, automatically.
Payment Processing
Our payment rail connects directly to SWIFT, SEPA, ACH, and 60+ local schemes , ensuring students pay in their home currency while universities receive in theirs, without the FX spread.
The Process
Student completes KYC in under 3 minutes via biometric identity check. Virtual account and card issued instantly upon approval.
Student or sponsor initiates payment via any supported scheme , SWIFT, SEPA, UPI, PIX , in their home currency with transparent FX.
UniPay routes through the optimal payment corridor, applies real-time compliance screening, and settles in under 2 seconds.
Funds land in the university's treasury account with full reconciliation data, triggering automated SIS and ERP updates.
Who It's For
Transform your bursar's office into a modern fintech operation. Reduce payment ops costs by up to 60% while generating new revenue streams.
Access 8 million student accounts across our network. Offer co-branded products and FX corridors to the highest-growth demographic.
One account for your entire academic life. Pay tuition, receive grants, spend on campus, and send money home , all from a single app.
Global Reach
Students pay in their local currency. Universities receive in theirs. UniPay handles the conversion at interbank rates with full transparency.
Our engine selects the fastest, cheapest payment corridor in real time , SWIFT, SEPA, local rails , for every transaction automatically.
Every payment is screened against OFAC, EU, and UN sanctions lists in real time with AI fraud detection and PCI DSS Level 1 compliance.
Security & Compliance
UniPay is designed for regulated financial environments. Every layer of our stack meets or exceeds the requirements of global regulators and auditors.
FCA authorised, PCI DSS Level 1, SOC 2 Type II, GDPR compliant, and ISO 27001 certified. We handle regulatory risk so you don't have to.
AI-powered fraud detection with <0.01% false positives. Real-time transaction scoring, velocity checks, and 3DS2 authentication for every card payment.
AES-256 encryption at rest, TLS 1.3 in transit, and HSM-protected key management. Zero plaintext PII ever touches our application layer.
Get Started
Join the institutions already generating revenue, reducing costs, and delivering a world-class financial experience to their students.