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.

Payment Options at a Glance

• Standard option (no Ozedi account required): Use Lightning Payroll to submit SuperStream remittances and generate a bulk bank payment file (ABA or ISO/XML) for upload to your bank.
  Best suited to: businesses wanting a simple setup with no additional accounts or costs.
• Instant payment option (your own Ozedi account): Connect Lightning Payroll directly to your own Ozedi portal account and use Zepto payment methods such as PayTo and PayID.
  Best suited to: businesses wanting additional peace of mind that payments are completed on the same day as the pay run.

Option 1: Pay Super Using Lightning Payroll Bank Files (No Ozedi Account Needed)

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 file for Australian direct entry payments
   • 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 (PayTo or PayID)

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, payment handling is managed through Ozedi using Zepto, providing access to near real-time payment methods via the New Payments Platform (NPP).

Understanding Zepto Payment Methods

• PayTo: similar to a direct debit authority. You create a PayTo agreement in Ozedi and then authorise it in your bank. Once active, Ozedi can automatically deduct super payments from your bank account.
• PayID transfer: Ozedi provides a dedicated PayID email address for each client. You send funds to that PayID from your bank, typically as an instant NPP payment.

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.

Step 1: Create Your Ozedi Portal Account

1. Register for an Ozedi account using the following link:
   Ozedi Portal Registration
2. Complete the registration and activate your account via the email sent by Ozedi.
3. Log into the Ozedi dashboard and create an Account with the Superannuation (SuperStream) service enabled.
4. Ensure your Ozedi account has sufficient balance, as Ozedi charges transaction fees for these services.

Step 2: Create an API User (External App Access)

An API user allows Lightning Payroll to connect securely to your Ozedi account. This user is not used for dashboard logins.

1. In Ozedi, go to Accounts and open Manage Account.
2. Select the Manage Users tab and click + Add.
3. Enter the user details and select External App Access (API).
4. Save the user.

After creating the API user, an email will be sent to the user’s email address prompting them to create a password.

Step 3: Enter Ozedi Credentials in Lightning Payroll

Once the API user password has been created, all Ozedi credentials must be entered into Lightning Payroll.

1. In Lightning Payroll, go to Company > Ozedi Superstream.
2. Enter the following details exactly as provided by Ozedi:
   • Ozedi Client ID
   • API User Email
   • API User Password
   • Ozedi Account Number
3. Save your changes.

These credentials are used to securely connect Lightning Payroll to your own private Ozedi account, allowing you to manage NPP payments through your chosen Zepto payment agreement.

Important: Ozedi charges transaction fees for these accounts. For pricing or billing enquiries, contact Ozedi directly: Contact Ozedi

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.
• Use PayTo or PayID where same-day settlement is important.
• Ensure Ozedi account balances remain sufficient to avoid processing delays.