Transact Instructions for Graduate Students

Student Financial Services uses an online billing and payment system called Transact Integrated Payments. Transact allows students (and individuals they add as authorized payers) to:

  • View account balances and recent activity
  • Make online payments
  • Enroll in a payment plan
  • Access electronic bills

Allow us to answer any questions you have here. If you are unable to find the answer to your question, please do not hesitate to email our office at and we would be happy to assist you.

Accessing Transact

How to log on to Transact as a student:
To access Transact, log into your student account at

  • Username: firstname.lastname
  • Password: consistent with the password for your Blackboard and Gordon e-mail account
    Questions regarding student passwords can be directed to CTS at 978.867.4500

Once logged in to, click on ‘Transact’ under ‘Quick Links’ in the left-hand menu.

How to give someone else access to your Transact account as an "authorized payer":

  • After logging in, click your name in the top left corner
  • Under the “Payers” section click “Send a payer invitation"
  • Complete the online form and click “Send invitation”
  • This will send an email containing your parent’s login information to the email address you provided for them

Logging on to Transact as an authorized payer:
In order to gain access to Transact, the student must initially add you as a payer as outlined above. This is a very brief process. If you have already been given access by the student, login at

Trouble logging in as an authorized payer?
If you an authorized payer having trouble logging in to Transact, please review the following:

  • Are you logging in at the correct location?
    Payers can login at
  • Forgot your username or password?
    If you cannot remember what your username or password is, have the student retrieve it by logging into Transact and clicking on the link to their name in the top left corner. Once on that page, they can then click on your name in the "Payers" section and choose "Resend payer invitation". This will send you another email with all of your login information.

Making Payments in Transact

How to make a payment using Transact:
After logging into Transact, click “Make a Payment.” Enter the appropriate amount and select “Continue.” Follow the steps as instructed.

  • Electronic check/ACH: Paying with your checking account is a no-fee option for paying online. To take advantage of this, select “New bank account” in the payment method drop-down box.
  • Debit or credit card: Transact will allow payments to be made with a debit or credit card, however, a fee of 2.85% will be assessed.
  • Foreign currency: To make a wire payment, choose “Make a Payment,” type in the appropriate amount, click “Continue,” then select “Foreign Currency” in the payment methods drop-down window. This will walk you through the necessary steps to complete your payment.

Please note: If you have made a payment by credit card, we cannot refund that payment to a checking or savings account. Credit card refunds must be returned back to the original credit card it was paid from.

Paying by paper check:
We still accept payments via check - please remember to put your name and ID number in the memo line. We do encourage payment with your checking account electronically on Transact, however, as this eliminates the extra time of mailing and manually applying the check to your payment plan.

Enrolling in a Payment Plan

How to enroll in a payment plan:
On the "Overview" page of Transact under “Payment plans”, click on “View payment plan options” and a list of plans will appear to your right. Choose the appropriate option, and then click “Enroll in plan”. Review the payment schedule, terms and conditions.

*Please note that the amount to be financed can be larger than the current balance on your account if you have not yet been billed for all courses.

Billing Information in Transact

Students will receive one paper invoice per term. All subsequent bills will be posted electronically. Especially for this reason, it's important that students grant billpayers access to Transact.

Transact also gives you the option to see a list of recent transactions in real-time by clicking on “Activity Details".