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Payday super and real-time payments
With payday super requirements now in effect, real-time payment options can support a range of superannuation payments with faster, more efficient processing.
Fast, efficient super payments
Real-time payments don’t just move super payments faster. They also enable accurate reconciliation, reduce errors and support greater automation across back-office processes.
For employers, this can mean simpler compliance and stronger integration with payroll systems. For clearing houses and super funds, they support more efficient processing and faster allocation to super accounts.
At the centre of this is Australia’s real-time payments infrastructure, the NPP. The NPP connects more than 115 banks, financial institutions and fintechs, facilitating over $8 billion in payments each day and enabling fast, secure payments between bank accounts using Osko®, PayID® and PayTo®.
What real-time payments mean for the superannuation industry
Real-time payments via the NPP can support faster, secure and data-rich super payments for employers, clearing houses and super funds.
Super contributions can be made 24/7/365 with no cut-offs
Real-time payment status confirmation can support fast resolution of payment issues
Enhanced data capabilities can facilitate easier reconciliation
Make the move to real-time super payments
To get started with real-time super payments, talk to your bank or payments service provider.
Resources
Flyer
PayTo for superannuation
Learn how PayTo can help support fast, efficient super contribution payments
Podcast
Real-time super: The bigger opportunity
As Australia moves toward payday super, this episode explores the bigger opportunity beyond the 1 July milestone. Grant Doherty from Westpac and Sue Pearce from Aware Super share their perspectives on the shift toward real-time super payments, and what it could unlock across the super ecosystem.
Guide
Implementation guide: NPP superannuation payments
A practical guide for employers, clearing houses and digital service providers implementing NPP super payments.
Guide
Guide to real-time super payments
Our new guide outlines how real-time payments can help employers, clearing houses and super funds manage more frequent contributions within tighter timeframes.
Flyer
Real-time super payments
An overview for employers.
Article
ATO clears path for real-time super
Super funds must be able to receive NPP payments from July 2026.
Real time super FAQ's
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Change the way you pay super
To learn more about the opportunities to transform your super payments, talk to your bank or payments service provider.
Latest NPP updates
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