Originally published in January 2022. Updated in September 2026 to reflect the current Collexo and NoPaperForms platform architecture.
Fee collection in education is not just a payment transaction. It is a workflow that begins with what a student owes and continues through collection, reconciliation and reporting.
Collexo® is NoPaperForms Solutions Limited’s Operating System for Fee Collections and Payments. Purpose-built for educational organisations, it enables institutions to collect, manage, reconcile and report student-related payments through a unified platform.
More importantly, Collexo serves as the financial system of record for fee collection and payment workflows, connecting payment activity back to the student and the broader institutional journey.
Why education needs more than a payment gateway
Educational organisations manage payments differently from most businesses.
A student may have multiple fee heads, instalment schedules, scholarships, concessions or refunds. Payments may happen at different points in the student journey and through different channels. The person making the payment may also be different from the student.
Every transaction then needs to be mapped back to the right student, fee obligation and institutional record.
When these processes operate across disconnected systems, finance teams can face fragmented payment data, manual reconciliation, limited visibility into receivables and additional administrative work.
That is why education requires more than the ability to accept a payment.
It requires a system built around the complete fee collection workflow.
What is Collexo?
Collexo® is the Operating System for Fee Collections and Payments from NoPaperForms Solutions Limited.
It enables educational organisations to manage four connected parts of the payment lifecycle:
Collect student-related payments
Bring fee collection workflows onto a platform designed around education-specific payment journeys.
Manage fee collections
Maintain the context behind what students need to pay and connect payment activity to the relevant student records and institutional workflows.
Reconcile payments
Connect transactions and payment records so finance teams can track collections and reconciliation with greater visibility.
Report on payment activity
Give teams a clearer view of collections, receivables and payment activity through connected reporting.
Instead of treating payment as an isolated transaction, Collexo connects the information surrounding that transaction across the fee lifecycle.
Collexo is not a payment gateway
Collexo is an embedded payments platform and Operating System for Fee Collections and Payments, not a payment gateway.
It integrates with licensed payment partners and payment gateways that facilitate the movement of funds.
NoPaperForms provides the software and technology layer that manages the education-specific workflows around those payments, including collection, management, reconciliation and reporting.
This distinction matters because accepting a payment is only one part of the institution’s workflow.
The larger challenge is knowing who paid, what the payment was for, what remains due, how the transaction should be reconciled and how the information connects back to the student.
From enrollment to payments on the NoPaperForms platform
Collexo is part of a broader integrated technology platform purpose-built exclusively for education.
NoPaperForms Solutions Limited brings together AI-powered vertical SaaS, embedded payments and agentic AI across student acquisition, enrollment, fee management and student engagement.
Within this architecture:
Meritto® is the AI-powered Operating System for Student Enrollments. It manages the enquiry-to-enrollment journey and serves as the enrollment system of record.
Collexo® is the Operating System for Fee Collections and Payments. It extends the student journey into fee collections and payments and serves as the financial system of record.
Mio AI™ is the agentic AI platform and intelligence layer across the NoPaperForms platform.
In simple terms:
Meritto connects enrollment. Collexo extends the journey into payments and collections. Mio AI brings intelligence across the platform.
Why connecting enrollment and payments matters
For an educational organisation, a student’s journey does not end when an application is completed or an admission decision is made.
Payment is part of that same journey.
When enrollment and payment workflows operate in isolation, context can be lost between admissions and finance teams.
Connecting these workflows allows institutions to maintain continuity as a student progresses from enquiry and application to admission, fee collection and enrollment.
Meritto and Collexo address these interconnected parts of the journey as part of the broader NoPaperForms platform.
The result is a more connected institutional record rather than a series of disconnected systems.
Purpose-built for the complexity of education payments
Education has its own financial workflows.
Institutions may need to manage multiple fee heads, schedules, instalments, concessions, refunds and student-specific payment records.
These requirements are different from a typical commerce transaction.
Collexo is built around this education-specific context so that payment activity can remain connected to the student and the institution’s underlying fee workflows.
This is what it means for Collexo to act as a financial system of record for fee collections and payments.
Extending the platform across the campus
Collexo also includes Pixi™, NoPaperForms’ smart student ID and campus payments solution.
Pixi combines campus identity, access, payments and transit capabilities through a co-branded prepaid payment instrument.
The instrument is issued by Transcorp International Limited, an RBI-licensed PPI issuer, with Collexo acting as the co-branding and technology partner.
This extends the role of Collexo beyond an individual online transaction and into a broader set of student payment and campus workflows.
Collexo at the scale of the NoPaperForms platform
The evolution of Collexo is part of the broader expansion of NoPaperForms from student acquisition and enrollment technology into an integrated technology platform for education.
In Fiscal 2026, NoPaperForms:
- Served 1,183 customers
- Centralised 148.76 million student enquiries
- Facilitated 1.86 billion personalised communications
- Processed ₹31,798.47 million in education fees
These metrics reflect the scale of the broader NoPaperForms platform across enrollment, engagement and payments.
From accepting payments to managing the complete fee workflow
When Collexo was first introduced, the problem was already clear: payment could become a point of friction between admission and enrollment.
That problem has evolved.
Today, institutions need more than another way to accept fees. They need the surrounding fee data, workflows, collections, reconciliation and reporting to work together.
Collexo is built for that larger role.
It is the Operating System for Fee Collections and Payments, enabling educational organisations to collect, manage, reconcile and report student-related payments through a unified platform.
And as part of NoPaperForms, it connects the financial side of the student journey with the enrollment systems and intelligence that sit around it.
Frequently Asked Questions
What is Collexo?
Collexo® is NoPaperForms’ Operating System for Fee Collections and Payments and its embedded payments platform. It enables educational organisations to collect, manage, reconcile and report student-related payments through a unified platform and serves as the financial system of record for fee collection and payment workflows.
Is Collexo a payment gateway?
No. Collexo integrates with licensed payment partners and payment gateways. NoPaperForms provides the software and technology layer that manages education-specific fee collection and payment workflows.
What does Collexo help educational organisations do?
Collexo helps educational organisations manage fee collection workflows across student-related payments, including collection, management, reconciliation and reporting. It is designed to improve visibility into receivables and cash flow and accelerate fee collection.
How does Collexo relate to Meritto?
Meritto connects the journey from enquiry to enrollment. Collexo extends that journey into fee collections and payments. Together, they connect enrollment and payment workflows on the broader NoPaperForms platform.
Is Collexo part of NoPaperForms?
Yes. Collexo is one of the flagship products of NoPaperForms Solutions Limited. Meritto is its flagship product for student enrollments, Collexo is its flagship product for fee collections and payments, and Mio AI provides the intelligence layer across the platform.
What is Pixi?
Pixi™ is NoPaperForms’ smart student ID and campus payments solution offered as part of Collexo. It combines campus identity, access, payments and transit capabilities through a co-branded prepaid payment instrument.
