What is Payday Super?
Payday Super is a legislative change requiring all Australian employers to pay super contributions within 7 business days of each payday (instead of within 30 days of the end of the quarter), starting 1 July 2026. The ATO's free Small Business Clearing House also closes that day. For more information visit the ATO.
Can I pay super contributions through Pay.com.au?
How will it work?
You will prepare your super contribution through a clearing house or directly with a super fund, and process the payment via pay.com.au.
- 1 You will log in to your preferred clearing house (e.g. SuperChoice) and enter your employee super contribution details to receive a Payment Reference Number (PRN)
- 2 You will log in to Pay.com.au and make the payment to your preferred clearing house, referencing your PRN
- 3 Pay will send the money to your preferred clearing house, which distributes to each employee's super fund
Can I use my credit card to make the super payment?
Yes, you can use your credit card to make the super payment.
Important: Payments to a SMSF owned by an individual or entity associated with the cardholder are classified as 'Related Entities', which is a prohibited payment type on pay.com.au. These payments can be made via pay.com.au by selecting bank account as your payment method. See the Payment Rules and Regulations page for more information.
Accepted payment methods include:
Will pay.com.au meet the 7-business-day receipt legislation requirement?
Pay.com.au will process your payment in accordance with our payment guides, including options like PayTo for instant payments.
Provided your chosen payment method processes your payment to pay.com.au in the expected timeframe, your super payment is expected to arrive to your employees super fund in the required timeframe.
Your responsibility
It is your responsibility to ensure you make the payment ahead of time to meet the 7-business-day requirement for funds to be received by your employees' super funds.
What are the cut-off times I should be aware of to make sure contributions are received on time?
To ensure timely contributions, please adhere to our specified cut-off times for processing payments. For more information visit:
Processing Times
Am I paying a clearing house, super fund, or another payment intermediary?
Does the pay.com.au workflow support SuperStream requirements?
Will pay support the required STP Phase 2 reporting, including qualifying earnings (QE) alignment?
What fees apply to super payments?
Fees will be consistent with the package you select for processing the payment. See the pricing page for more information.
Can I use pay.com.au for super if I use Xero?
Xero does not support a Payday Super integration solution. To use pay.com.au and Xero for super payments, you will need to:
- 1 Prepare your contribution data via Xero Reports
- 2 Submit contribution data to your Clearing House (to generate the payment reference number)
- 3 Log in to Pay.com.au to process the payment