Payday Super FAQs

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, with the exception of payments to terminated employees for which super must be paid at the same time.

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) is no longer 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. Sybiz Visipay 26.11 is the minimum version if using Sybiz Visipay to pay and report superannuation to contractors under Voluntary Agreements or Non-Employees.

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, and 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 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 to 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. 

Due to the increased frequency of reporting under Payday Super, the exported file has been changed to a .SAFF extension (used to be .CSV). As such, Windows does not know what to do with that file. The file can still be opened using the File… Open… process of your program with the file type set to ‘All Files’ or equivalent. Take extra care if you do need to open the file, as subsequent saves can alter the file contents unintentionally, such as removing leading zeros from number fields.

You will have to log out and back in to Sybiz Visipay and the Sybiz Super Transfer button will be available on the Pay Run tab and also the Utilities tab.

Check your recycle bin on your computer to see if the file can be restored, otherwise, contact Sybiz for assistance (you will need to provide access to your database server and Sybiz Visipay database, so have those details handy prior to contacting Sybiz).

Because you're paying super each time you pay, you select the pay batch(es) you want to include - and clear any that you already successfully transmitted. The dates are automatically included in the file based on the date ranges of the pay batches themselves. This is a lot simpler than the previous need to nominate a date range with the old SybizSuper Export process.

Use the Sybiz website contact form to request a call and we will reach out during our work hours. Remember, Payday Super provides 7 business days for monies to arrive in funds, so don’t panic if issues arise on non-business days.

At this point in time it is not possible; as soon as you Confirm & Send the batch the payment process initiates.

Payday Super is an employer obligation in that the ultimate responsibility rests with the employer if the obligations are not fulfilled. Generally, new employees and employees changing funds provide you with more time to make payment but it is recommended to pay the super for the rest of your employees and make ad hoc contributions for your new employees. There are alternative processes available to employers in these circumstances and you will find detailed information at the ATO: https://www.ato.gov.au/businesses-and-organisations/super-for-employers/payday-super

Drill down into your submission via the Submission History (click on the file name in question), when you see an error or warning icon, click on the icon (it will be coloured with a number denoting the number of issues in the records) and the cell(s) with issues will have a coloured border. Hover over the cell to see the underlying issue to resolve. In some cases, the messages may direct you to contact the fund or the ATO, in which case contact them.

Under Payday Super, super funds have less time to handle imperfect data. In the past they may have updated data such as member numbers, but if you have not updated your payroll data to match, and continue to transmit the incorrect information, super funds may no longer have the time to exception manage. You should action any data corrections required.

Use an ad-hoc contribution in such circumstances, noting that the refunds may not be received until after Payday Super deadlines lapse (i.e. there is a cashflow impact, as the ad-hoc contributions will be paid before the refunds are received). Also, take note of the actual error itself, and remedy the issue prior to future contributions being paid. If the underlying issue is that the employees have changed super funds, then obtain those details from the employees prior to making the ad-hoc contribution.

The fund needs to be added to your Sybiz Visipay lookups before it can be allocated to an employee record. Go to Lookups > Super Funds to add the fund. The USI for the Super Fund should be placed in the number field, unless the fund is an SMSF in which case the ABN is placed in the number field.

Yes, there is, but you will need to be certain to select the correct fund in the case of multiple funds with similar names. If possible, ask your employee to log in to their MyGov account and advise the correct details. The list of USI’s can be found here: https://superfundlookup.gov.au/Tools/DownloadUsiList?download=usi

Under Lookups > Super Funds you are able to add Self Managed Super Funds (SMSF) as well as ‘normal’ superannuation funds. The ‘Number’ field is used to store the ABN for SMSFs and the USI (Unique Superannuation Identifier) for other super funds. Note the additional information required for SMSFs includes banking and Electronic Service Address details.

SMSFs need to remain complying and also have a valid Electronic Service Address (ESA). To check the status of the SMSF, go to: https://superfundlookup.gov.au/ and input the ABN of the SMSF. Some ESA providers have recently ceased providing the service, and if a new ESA provider is required, the SMSF will need to source one via: https://tinyurl.com/SMSFESA (ATO link). SMSFs receiving contributions need to be set to receive payments under the New Payment Platform (NPP).

The Sybiz Employer Portal extracts the name from the ABR based on the ABN, so it will be the correct legal name; update Sybiz Visipay to match.