What Superstream Payment Options Are Available for PayDay Super?

PayDay Super changes when super must be paid. Instead of paying super quarterly, employers will need to pay super on payday.

Under the PayDay Super changes, Super Guarantee contributions must be paid to an employee's super fund on payday and received by the fund within 7 business days, unless an extended timeframe applies, for example, for new employees.

You can read more about PayDay Super on the ATO website: About PayDay Super - Australian Taxation Office

This makes it more important than ever to choose a super payment method that works with your payroll process, your bank, and PayDay Super timeframes.

Using A Clearing House Or Another Super Gateway

If you prefer, you can use an external clearing house or SuperStream gateway instead of sending super directly through Lightning Payroll.

Lightning Payroll supports this by allowing you to export a SuperStream Alternative File Format (SAFF) file, which can be uploaded to most third-party providers.

How it works:

1. Complete your pay run and go through the usual PayDay Super process.
2. Create the super contribution batch and review the amounts.
3. On the SuperStream Summary screen, choose Need a manual SAFF file export? instead of Send Messages.
4. Save the generated CSV file and upload it to your chosen clearing house or super gateway.

This gives you flexibility if your business already uses another provider for super payments, while still preparing the contribution data inside Lightning Payroll.

For more details, see: Can I Use A Clearing House Or Another Super Gateway For PayDay Super?

Payment Options At A Glance

• Direct entry: Bulk bank payment file for upload to your bank.
  Best suited to: standard bank processing with no additional accounts required.
• Manual bank transfer: Use the direct entry report to make Pay Anyone transfers manually, without uploading a file.
  Best suited to: businesses whose bank does not support file uploads.
• PayTo: Ozedi's most automated payment option, where funds are deducted automatically once your PayTo agreement is active and the remittance is submitted.
  Best suited to: businesses wanting an automated, near real-time payment workflow with fewer manual steps.
• PayID: Instant payment using a PayID email address provided by Ozedi, sent manually from your bank via the New Payments Platform.
  Best suited to: businesses wanting a fast payment method while still controlling the bank transfer themselves.

Option 1: Pay Super Using Lightning Payroll Bank Files

This option is included with Lightning Payroll and does not require you to create or manage your own Ozedi portal account. Lightning Payroll has handled SuperStream messaging via our Ozedi gateway account since 2014.

How it works:

1. Create and finalise super contributions in Lightning Payroll.
2. Generate a bulk payment export:
   • ABA / Direct Entry file for Australian direct entry payments, the standard file upload format used by most banks
   • ISO/XML file for banks that support ISO 20022 uploads
3. Upload the file to your bank and submit the payment.
4. If your bank does not accept file uploads, use the Direct Entry Preview to generate a PDF report and pay the amounts manually.

Important timing consideration: most banks process these payments using traditional payment rails such as BECS. While this option is simple and included at no extra cost, bank processing times may affect when funds are received by super funds.

For detailed instructions, see: How Do I Pay Super In Lightning Payroll (No Clearing House Required)?

Option 2: Connect Your Own Ozedi Account For Zepto Payments

For businesses that want greater certainty around PayDay Super timing, Lightning Payroll supports direct connections to your own Ozedi Unified Experience Dashboard account.

With this option, SuperStream messaging and payment handling is managed through Ozedi using Zepto, giving you access to near real-time payment methods via the New Payments Platform (NPP).

PayTo is the most automated Ozedi payment method. Once your PayTo agreement has been approved by your bank, Ozedi can automatically deduct the funds after the remittance is sent.

PayID is a fast NPP payment method where Ozedi provides a dedicated PayID email address and you send the funds manually from your bank after the remittance is submitted.

Detailed setup instructions for each Ozedi payment method are covered in these separate FAQs:

Set Up Ozedi PayTo For Automatic Super Payments

Set Up Ozedi PayID For PayDay Super

Important: If you use your own Ozedi account, Ozedi is a separate prepaid service and may charge its own transaction and payment processing fees. For current pricing or billing questions, please contact Ozedi directly.

How Super Fund Bank Details Are Handled

For most APRA-regulated super funds, Lightning Payroll automatically manages bank account details using the ATO Super Fund Validation Service (SVS).

This means:

• You do not need to manually enter or maintain bank details for most super funds.
• Lightning Payroll validates the fund's USI and retrieves the correct payment and messaging details directly from the ATO.
• This helps reduce errors and ensures payments are sent to the correct destination.

Exception: SMSFs

• For Self-Managed Super Funds (SMSFs), bank account details must be entered manually.
• This is because SMSFs are not included in the ATO fund validation service in the same way as APRA-regulated funds.
• Ensure SMSF bank details are accurate and up to date before processing super payments.

Tip: If you are unsure whether a fund is an SMSF, you can check the fund type when editing the super fund provider in Lightning Payroll.

Key Tips For PayDay Super

• Create and submit super contributions on the same day as the pay run.
• Be mindful of bank cut-off times when using file-based payments such as ABA, Direct Entry or ISO/XML.
• Use PayTo or PayID where same-day or near real-time payment timing is important.
• Keep Ozedi account balances sufficient to avoid processing delays or rejected submissions.
• If using PayID, send the payment from your bank as soon as the remittance is submitted and follow Ozedi's instructions carefully.
• If using PayTo, make sure your PayTo agreement is active and approved before relying on it for deadline-sensitive payments.
• If using an external clearing house or gateway, allow enough time for the SAFF file to be uploaded, validated and processed by that provider.

Need More Help?

For Ozedi account, payment method or billing help, please see the Ozedi Quick Start Super Guide or contact Ozedi.