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Transact Payment Plans
Phoenix, Arizona
What it is
Transact Payment Plans is a web service that lets students pay tuition and fees in monthly installments. Plans may also spread housing and meal costs. Available payment methods can include ACH, debit and credit cards, international payments, and 529 plans, depending on the school. Students can set automatic payments and reminders, invite authorized payers with separate logins and balance access, or allow guests to pay using a student ID number and last name without seeing balances. Portal access, enrollment steps, plans, and payment options depend on the institution’s setup; some students must begin in a school portal. The support article lists a non-refundable 35 USD enrollment fee that may vary by school, with other fees possible where permitted. Due dates cannot be changed. During enrollment, Transact provides an equivalent APR based on payment count, term, and financed amount. Pricing is on request. The vendor says its higher-education payment solutions integrate with Ellucian, Workday, Oracle Cloud, and other systems.
For and against
For
- Spreads tuition, housing, and meal costs
- Supports automatic payments and reminders
- Offers ACH, cards, international, and 529 options
- Allows authorized payer logins
- Provides an equivalent APR during enrollment
Against
- Availability depends on each school’s setup
- Enrollment fee is non-refundable and may vary
- Payment due dates cannot be changed
- Pricing is available only on request
The verdict
Transact Payment Plans provides installment billing and several payer options for participating schools. Students should review their institution’s available plans, fees, payment methods, and enrollment steps.
Who it suits
It suits students at schools that offer Transact payment plans for tuition, housing, or meals. Authorized payers and families may use separate payment access when enabled by the institution.
On the record
- APR disclosure
- Transact provides an equivalent APR during enrollment based on factors including payment count, term, and amount financed.transactcampus.com · read 5 Oct 2026
- Audience
- The vendor presents the payment plan as part of its higher education campus payment solutions.illumiatech.com · read 4 Oct 2026
- Authorized payers
- Invited authorized payers receive their own login and can view account balances and save a preferred payment method.transactcampus.com · read 5 Oct 2026
- Automatic payments
- Students can set up automatic payments and reminders.transactcampus.com · read 5 Oct 2026
- Autopay and reminders
- Students can set up automatic payments and reminders.transactcampus.com · read 4 Oct 2026
- Company headquarters
- Illumia lists its Scottsdale, Arizona office at 18700 N. Hayden Rd., Suite 230.illumiatech.com · read 5 Oct 2026
- Company identity
- The company states that Transact + CBORD adopted the Illumia name in 2025 and officially launched the brand on March 3, 2026.illumiatech.com · read 5 Oct 2026
- Compliance
- The vendor says its integrated payments workflows maintain PCI compliance and accessibility standards.illumiatech.com · read 4 Oct 2026
- Covered costs
- Payment plans can spread payments for tuition, housing, and meals.transactcampus.com · read 4 Oct 2026
- Due dates
- The support article says payment due dates cannot be changed.studentsupport.transactcampus.com · read 4 Oct 2026
- Eligible expenses
- Plans can spread payments for tuition, housing, and meals.transactcampus.com · read 5 Oct 2026
- Enrollment fee
- The support article states an enrollment fee of $35, which may vary by school, and says the fee is non-refundable.studentsupport.transactcampus.com · read 4 Oct 2026
- Fees
- An enrollment fee applies, and other fees may apply where permitted; the school determines the fee.transactcampus.com · read 5 Oct 2026
- Guest payments
- Guests can make payments using a student ID and last name, without seeing account balances.transactcampus.com · read 5 Oct 2026
- Institution setup
- Portal access and enrollment steps depend on the school's setup, and some students must first sign in through their school portal.studentsupport.transactcampus.com · read 5 Oct 2026
- Integration
- The vendor says its higher education payment solutions integrate with Ellucian Banner SaaS, Colleague SaaS, Workday, Oracle Cloud, and other systems.illumiatech.com · read 4 Oct 2026
- Maker background
- Transact was founded in 1984 and lists its headquarters in Scottsdale, Arizona.transactcampus.com · read 4 Oct 2026
- Payers
- Students can invite authorized payers who can view account balances and store a preferred payment method, or guests who can pay using the student's ID number and last name.transactcampus.com · read 4 Oct 2026
