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PAYDAY SUPER AND BEYOND

The Real-Time Advantage – Payday Super in minutes.

From employer account to super fund in minutes via NPP

The Payday Super legislation is designed to improve superannuation outcomes for Australians. Businesses will need to pay super contributions on the same day as payday, rather than quarterly. With payments happening more frequently, visibility and certainty become even more important for businesses.

Westpac helps your business meet best practice by supporting the real‑time processing of SG (Superannuation Guarantee) contributions. When you pay using your unique QuickSuper PayID®, QuickSuper receives the bulk payment in real time and can pass the contributions on to participating destination super funds via the New Payments Platform (NPP) within minutes, rather than days.

Real-time payments built into QuickSuper

QuickSuper Clearing House

Supports real-time super contributions using PaylDs, allowing employers to send payments that settle in minutes rather than days.

Payroll APls

Enable businesses and payroll providers to initiate super contributions directly from your own systems - reducing manual steps and supporting higher frequency, payday aligned payments.

PayTo® (coming soon)

Authorise super payments upfront and have contributions debited automatically from your account as part of each payroll run.

Real-time payments to super funds

Help super funds receive funds sooner, accelerating allocation to member accounts.

How QuickSuper works

Submit contributions

Employers can submit super contributions 24/7 - online, via file using PayiD, directly through APls, or via PayTo (coming soon).

Send contributions in real time

Following a successful real-time payment, QuickSuper sends contributions to super funds within minutes via NPP. 

Receive payment confirmation

Employers receive real-time payment confirmation, supporting better visibility and cash flow management.

Return funds in real time

Where a return is required, real-time returns enable employers to receive their money back without delay.

Benefits for your business

Faster, more predictable contribution outcomes

Real-time settlement and forwarding of contributions help reduce delays across the super ecosystem and support smoother downstream processing.

Less rework, fewer exceptions

Real-time matching and automated reconciliation reduce mismatches, errors and follow­ ups, even as volumes increase.

Improved cash flow visibility

Instant payment confirmation and real-time returns where required, provide clearer insight into outgoing and returned payments.

Flexible ways to pay and connect

Support for online, file-based, APl-driven and authorised payment methods gives you choice without changing your core processes.

Make contributions at any time, 24/7

No cut-off times - ideal for busy business owners and those operating outside standard Eastern Time hours.

Get started with QuickSuper

Employers and payroll providers

Explore how QuickSuper can support your payday super strategy - from flexible clearing house options to direct system integration.

Talk to a Westpac specialist about embedding QuickSuper into your payroll process.

Frequently asked questions

What is Payday Super and how does it change how super is paid?

Payday Super requires employers to pay super contributions at the same time as wages, rather than quarterly. This increases payment frequency and makes faster payments, clearer confirmation and automated reconciliation more important. Westpac's QuickSuper helps businesses meet requirements by enabling real-time super payments and streamlined processing.

QuickSuper supports real-time super payments by enabling employers to submit contributions using PayID or PayTo (coming soon) with the option of reverting to EFT or Direct Debit if required. Once a real-time payment is made, contributions are forwarded to super funds via NPP, with immediate confirmation and automated reconciliation.

QuickSuper suits employers of any size - sole traders, small businesses, and medium to large employers - whether you pay super for one employee or many.

QuickSuper lets you make one super payment and one SuperStream submission, then distributes contributions to each employee’s chosen super fund. You can upload payroll data or enter details in the online portal - no need to deal with each fund separately.

If a contribution can't be processed (for example, due to invalid member or fund details), the destination super fund may reject it and return the money. Where real-time payments are used via an NPP-enabled QuickSuper account, returns can be received in near real time. Funds generally have up to three business days to return rejected payments, which can help you identify issues earlier, correct the details and resubmit within your Payday Super time frame.

*Time frames are indicative and depend on receiving fund processing and when a rejection is raised (e.g., if rejected on day 1).

Already with Westpac?

Chat to your relationship manager about the real-time solutions best suited to your business.

New to Westpac?

Chat to a payment expert about the real-time solutions best suited to your business.

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Things you should know

QuickSuper Employer Terms and Conditions
QuickSuper Employer PDS

PayTo and PayID are registered trademarks of NPP Australia Ltd ABN 68 601 428 737