Contact us

Your Payday Super questions answered

The topic links below will help you find answers to frequently asked questions regarding Payday Super, using SybizSuper for Payday Super, and Sybiz Visipay data and STP changes.

You can click on the links below to jump straight to each section.


Payday Super

It is simply the concept of paying superannuation at the same time as paying employees. ATO resources should be referred to as the single source of truth; our guidance will be mainly restricted to the context of Sybiz Visipay, rather than republishing information that is regularly updated by the ATO. 

Current guidance is that, like STP reporting, super related to out-of-cycle pays can be paid as part of the next regular pay cycle. 

You can use the Sybiz supported and preferred option of SybizSuper; the optional SAFF file and a clearing house of your own choosing; or a custom solution totally outside of Sybiz’s control. Whichever path you choose, you should have well and truly established ahead of 1 July 2026. Note that the ATO’s Small Business Superannuation Clearing House (SBSCH) will no longer be an option. 

The ATO and Sybiz encourage businesses to be ready well ahead of the commencement date. With the disruption this brings as well as the increased cost to business please be aware of scam operators promising to act as free intermediaries. 

Sybiz Visipay 26.10 is the minimum version to support the required STP reporting associated with Payday Super.

Refer to the ATO’s guidance. 

Yes, for those using SybizSuper we have different export options to separate the pre-Payday Super contributions from the Payday Super contributions. To assist with this transition the current ‘SybizSuper Export’ button will be in place for contributions to the end of 2025/26 and a new ‘SybizSuper Transfer’ button will be in place once you roll into the 2026/27 financial year, for Payday Super purposes. 

Cashflow impacts are the most notable, especially with the crossover from the old, quarterly frequency. In addition, there is an increase in work required at Payday, the timelines to complete various obligations are tighter, you will want to regularly remind employees to be proactive in notifying of any changes to their superannuation arrangements and plan to monitor any messages associated with rejected contributions. 

A MVR is designed to make employers communicate with superannuation funds proactively when a new staff member is hired or a change is made to an employee’s super fund to ensure the nominated fund has the employee registered on their system and is able to accept contributions from you. We are still awaiting clarification on the actual start date, with the ATO having separately advised 1 July 2026 and 1 April 2027. More information will follow.

Sybiz Visipay uses a Sending Service Provider (SSP) model for Single Touch Payroll reporting. Although not technically related to Payday Super there is a new requirement coinciding with Payday Super to link an SSID to your business’s account via the ATO Relationship Manager facility. Sybiz, through it’s SSP has arranged for a 12 month deferral to 30 June 2027 to mitigate the impact of Payday Super. You do not need to do anything to avail yourself of the deferral but be mindful that the ATO will likely include the SSID requirement in conjunction with communications about Payday Super. 

SybizSuper

SybizSuper is effectively a superannuation clearing house service that uses the Sybiz Employer Portal to upload and transmit super data via the SuperStream reporting standards. The workflow includes direct debit payment instructions. It has been in operation for over a decade. 

The government has discontinued the Small Business Superannuation Clearing House (SBSCH) and the options for Sybiz Visipay users are to use SybizSuper or add the Superannuation Alternative File Format to their Sybiz Visipay license and find a clearing house that will accept the industry standard file.

Yes, please refer to the SybizSuper PDS for more information.

There have been significant increases to the cost of providing the service as infrastructure has had to be upgraded to handle the loads and bank fees associated with the New Payment Platform (NPP) are significantly higher. Sybiz has been able to maintain the same per transaction fee as per the SybizSuper PDS. 

We have a dedicated section on our website, including the guidance for getting started. 

Sybiz Visipay Data and STP changes

A new concept of Qualifying Earnings has been introduced. Pay items are flagged as Qualifying Earnings if they were set to superannuation Does Apply. The Maximum Superannuation Contribution Base will change from quarterly to annual going forward. 

From a Sybiz Visipay perspective, the main change is the reporting of Qualifying Earnings from 1 July 2026. 

We’ve added a new Pay Run tab to the user interface to group together the key processes typically followed during a pay run. You have the choice to keep using the software menus you are used to, or use the new Pay Run tab – the underlying functionality is identical.

In a lot of cases, nothing. We’ve engineered the upgrade in such a way that it infers future settings based on current settings. Most significantly, if a pay item was flagged as Superannuation: Does Apply it will be flagged as Qualifying Earnings. Similarly, if a Staff Type was flagged to apply the quarterly maximum superannuation contribution base it will be flagged to apply the annual equivalent from 2026/27. Note that the amount is now centralised under the Settings… Company Details area and is preset to $270,830 for 2026/27 once you roll the year. 

Absolutely. If there are pay items that you have been paying super on that you are not obliged to under the superannuation legislation then you can remove the Qualifying Earnings flag. You should also be mindful of items such as Commissions that are derived directly from overtime which are now subject to the employer super guarantee and are deemed Qualifying Earnings. 

By reporting Qualifying Earnings the tax office will have a base upon which to levy the Superannuation Guarantee Charge and associated penalties if you fail to meet your Payday Super obligations. In other words, pay items that you choose to pay super upon will be treated differently to pay items that you must pay super upon. 

Yes. The out-of-the-box version will show the amount but if you have an edited version of the report you will need to change the layout to include the QE flag. Note that even though pay items are flagged as Qualifying Earnings prior to 2026/27 the actual calculation of QE and the reporting of it does not occur until you start paying in the 2026/27 financial year. 

We’ve put together a separate page to guide you through what is required. 

We have a separate export facility for SybizSuper for the Payday Super era that treats the underlying data differently based on the pay date. 

Employees under the age of 18 that work 30 or less hours per week will still not qualify for super. Pay items that are set as Qualifying Earnings and are paid to such employees will not actually post to their Qualifying Earnings. At the other end of the spectrum are employees that earn over the Maximum Superannuation Contribution Base (MCB) – the year-to-date Qualifying Earnings for these employees will not exceed the MCB even if they are continuing to be paid pay items that are tagged as Qualifying Earnings. For clarity, you do not need to set up separate pay items to manage these circumstances – Sybiz Visipay is smart enough to handle it. 

Sybiz Visipay now has a ‘Hold Super Until’ date in the employee record. Simply input the end date for the period in which the certificate applies and Sybiz Visipay will do the rest. The ATO will data match at their end to ensure you are not penalised for underpaying super in these circumstance, therefore there is nothing special required from an STP reporting perspective.