With Xplor Pay (hosted by Debit Success), Parent/Guardian payments are automated, saving Admins and Families time, reducing debt and improving financial reporting.
This article contains everything you need to know about the Xplor Pay onboarding process - please read carefully so we can get you up and running as smoothly as possible!
Please click on the menu item below to be taken to the relevant section within this article.
The Payments Onboarding process involves a couple of teams and some important documentation. Please use this article to guide you through each stage.
Stage One
A signed Management Agreement is required. Your Account Executive will send this to the highest financial authority within the business to sign.
For the Management Agreement (MA) to be accepted, the following information must be provided exactly as it is registered with the government. This means that it will need to match the information found on the NZBN website. If there is any mismatch in this information, the MA can’t be accepted and will need be re-issued to you to complete again. The first page of the MA will tell you the information required, but most importantly, ensure that the following three details match the NZBN.
Legal name of the business entity.
Company number (NZBN).
The bank account supplied for settlement must be in the legal name of the entity (a bank statement will be required as evidence of this).
Please see this guide for more information on completing your MA successfully.
Your Account Executive will notify the Payments Onboarding team once you have signed your MA.
An Onboarding Specialist will be assigned to your case and will review your Management Agreement against the information on NZBN and complete their preliminary due diligence checks.
You can expect to hear from your Onboarding Specialist once this has been completed successfully. If there are any issues with your MA, your Account Executive will be in touch to re-issue the MA and will inform you of the issues to address.
Stage Two
Note: If you’re an existing Debit Success customer and using the same legal entity as your other service(s), proceed to stage three without completing step two.
If you are new to Debit Success, or using a new legal entity from any existing services using Debit Success, then we will need to complete a compliance verification of your business. This is to ensure we meet strict Anti-Money Laundering and Counter Terrorism laws set out by the government.
We use a provider called Managed Verification Services International (MVSI) to complete this verification.
Your Onboarding Specialist will reach out to you to you once they have lodged your offer with MVSI and provide you with an overview of what to expect from MVSI.
An officer from MVSI will then be in touch with you within 24-48 hours. Keep an eye out for an email from onboard@debitsuccess.com. This is your MVSI officer contacting you.
You will be asked to complete ID verification via a web link, and following this MVSI, you may also be request to provide business documents, including, but not limited to:
Bank Statement/document.
Certificate of incorporation.
Constitution.
Who will need to complete ID verification?
An ID verification link will be sent to the required parties via email
For NZ Businesses: ALL Directors and ALL shareholders and the authorized signatories (All connected parties to the company)
This stage can take as little as 2 business days, or sometimes weeks, depending on how quickly you are returning the requested documents/checks to MVSI. This is why it is important that you are ready to onboard now and prepared to supply the required documentation promptly.
If you do not respond to your MVSI officer and provide the requested documentation, your payments onboarding cannot proceed and may be cancelled. We will allow 1 month to complete this process. If the relevant steps are not being completed within 1 month, we will then provide 14 days' notice before cancellation.
Stage Three
Once your compliance verification has been approved, or if you are already an existing customer of Debit Success, your Onboarding Specialist will proceed with getting you set up on the Debit Success system and requesting credentials from our tech team to connect to your software.
This is the final stage of your payments onboarding and can be completed quickly. You can expect your connection to be live and ready to process payments within a week.
When your Onboarding Specialist finalises your payments connection, you will receive an email confirmation which includes useful links and documents you can refer to.
Your Onboarding Specialist will check in with you regularly after your connection is live and support you until you are successfully processing payments from your families.
Once we can see that you're successfully processing payments, your onboarding journey is complete.
Key Contacts
Account Executive
Your Account Executive can assist you with basic questions about your Management Agreement (please see here for further information about the MA).
Payments Onboarding Specialist
Your Onboarding Specialist can assist you with any general payments onboarding questions and/or progress updates and further details about the MA and its Terms and Conditions.
Onboarding Specialist (Software)
Your software Onboarding Specialist can assist with your billing cycle set-up in Discover and onboarding families on to Home (where they can add in bank details and access Pay Now).
MVSI Officers
MVSI Officers are responsible for collecting documentation for compliance verification. They will be in touch to request this information, and any questions about the types of documents required, or any identity checks, should be directed to your assigned officer, as they are best equipped to assist in this matter. Emails from your MVSI officer will come from onboard@debitsuccess.com. Their email signature (see below) is different to the standard Xplor/Discover signature.
Debit Success Support
Debit Success support can assist you with any questions regarding:
- Debit Success payout reports
- Debit Success reports portal
- Service bank account changes
- Authorised Contacts changes
- Fees and surcharges
Debit Success Customer Service Centre
childcare@debitsuccess.com
8:30am - 5pm NZT
Mon - Fri (excl. Public Holidays)
0800 481 040
Discover Support
Once you are live in Discover and processing payments, if you have any troubleshooting queries you haven't been able to resolve by viewing our Payments Support Articles (see below), our Support Team are available to assist with questions regarding:
- Invoicing/Debit Cycles
- PayNow Payments
- Discover Financial Reports
8:00am - 5:00pm NZT
Mon-Fri (exc Public Holidays)
09 888 0459
Discover Training Team
The Discover Training Team offer Payments training if you have reviewed the Support Articles available and are in need of further guidance for processes.
Book a Training Session here
Resources
Discover Payments Support Guides
Getting Started with Debit Success
Setting up Direct Debit on a Bill Payer's behalf
Home App & Web: Adding & Editing Direct Debit Details
Pay Now
Video Guides
Discover Invoicing and Payments Showcase
Interactive Guides
Debit Success Payout Report Guide
Management Agreement Information and FAQ
To help you get your MA correct the first time, when completing your MA:
Go to the NZBN website here
Search for your registered business name.
Use the exact details registered to complete the MA.
If using a trust account, you will need to supply the trust account’s NZBN.
Key elements for trusts:
the bank account must have the same owners as provided for the legal entity
The bank account can be in the trading name only if the trading name is registered under that entity name.
The following illustrates what you should see on the NZBN website:
The first page of the DocuSign agreement is extremely important. It details the information that must be completed on both the Order Form and the Customer Information Form sections of your agreement. Please make sure you read and understand this first before completing your information.
I have a question about my MA, who can I contact?
If you have any questions about your Management Agreement please contact your Account Executive.
Who are Authorised Contacts/What can they do?
The authorised contacts you list in your MA are people who will be able to speak with Debit Success on your behalf.
Am I locked in to an exclusive contract with Debit Success?
We always advise carefully reading your MA, but Discover/Debit Success agreements do not stipulate that you must use direct debits exclusively at your service. If your business also accepts direct deposits, EFTPOS etc, these payment methods can be used in conjunction with Debit Success.
Can I request an adjustment to the terms and conditions?
Debit Success Terms and Conditions are standard across all Discover-based services and cannot be adjusted.
My MA gives me the option to pass on Debit Success fees to families, or have my business absorb the cost, what do most services do?
This is not a decision we can guide you on. Each service is unique and whether or not your business passes on these fees or absorbs them is entirely up to you.
Please Note: It is the responsibility of your business to communicate any fees and surcharges you are choosing to pass on to your families.
Debit Success FAQ
Can I change who is responsible (my business/families) for paying Debit Success fees/surcharges?
Yes, you or your authorised contact/s will need to contact Debit Success to request the change.
Can I change my bank account?
Yes, you will need to contact Debit Success and complete a change of bank account request form, which will be sent to you.
Is Debit Success PCI Compliant?
Businesses must achieve an assessment score of 100% in each field to maintain Level 1 PCI Compliance.
Debit Success has maintained this 100% score in all twelve fields since it was implemented as a payments process for Discover.
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