Answer
Payday Super changes when super must be paid. From 1 July 2026, employers generally need to pay Super Guarantee for each payday and have contributions received by the employee super fund within 7 business days after payday, unless an ATO exception applies.
In Lightning Payroll, start ordinary super processing from Pays >> Payday Super after the pay run is complete. The payment method controls how the money moves after the SuperStream contribution data has been prepared.
Payment Options At A Glance
- Direct Credit (ABA/XML): Lightning Payroll prepares a bulk bank file. You upload the file to your bank and submit the payment. This is included with Lightning Payroll and suits most businesses.
- Manual bank transfer: If your bank does not support file uploads, use the Direct Entry preview report and pay each line manually through internet banking.
- PayTo via Ozedi: Ozedi can automatically debit the approved bank account after the remittance is submitted. This is the most automated option and uses the New Payments Platform.
- PayID via Ozedi: Ozedi provides a PayID email address. You submit the remittance, then send the funds manually from your bank via NPP.
- SAFF export: Lightning Payroll prepares a SuperStream Alternative File Format file for upload to an external clearing house or SuperStream gateway.
Direct Credit (ABA/XML)
This option uses Lightning Payroll to prepare the SuperStream contribution data and a payment file. You remain responsible for logging into your bank, uploading the file, approving the payment, and keeping the generated reference details unchanged.
Most banks process these payments through BECS or similar batch rails, so allow for bank cut-off times and settlement delays. Sending the bank file on payday is usually the safest habit.
PayTo And PayID Via Ozedi
PayTo and PayID are available when you connect your own Ozedi Unified Experience Dashboard account.
- PayTo is the most automated option. Once the PayTo agreement is approved, Ozedi can debit the approved bank account after the remittance is sent.
- PayID is fast but manual. You send the payment from your bank to the Ozedi PayID immediately after the remittance is submitted.
Ozedi is a separate prepaid service and may charge its own transaction or payment processing fees. Contact Ozedi for current account, pricing or billing questions.
Using A Clearing House Or Another Gateway
If you prefer an external clearing house or SuperStream gateway, complete the pay run, click Payday Super, create the contribution batch, then use the manual SAFF export option instead of sending messages directly through Lightning Payroll. Upload the generated CSV to your chosen provider and allow time for their validation and payment process.
How Super Fund Bank Details Are Handled
For most APRA-regulated funds, Lightning Payroll validates the USI and retrieves payment and messaging details from the ATO Super Fund Validation Service. You do not normally need to manually maintain bank details for APRA funds.
For SMSFs, enter and check the BSB, account number and Electronic Service Address manually because SMSFs are not handled by the ATO validation service in the same way.
