Will I be Payday Super Compliant making payment via Direct Debit and how will MVR help compliance?

Yes. With the introduction of Payday Super, from the 1st of July 2026, it is important Employers pay employees’ super at the same time as salary and wages.

If a Direct Debit Employer submits the contribution on Payroll Day (T0 - Qualifying Earnings Day), then following the Bank Clearing period, SuperChoice will match, reconcile, and pay out to all the Employees’ chosen APRA & SMSF funds (along with sending the relevant contribution data) on the business day T4. Inside the 7 business days required under Payday Super. 

Supporting Information

• From 1st July 2026, Employers must commence: 
  • Paying their employees’ SG at the same time as their salary and wages. 
  • Employers will be liable for the superannuation guarantee charge (SGC) unless contributions are received (can be allocated later) by their employees’ superannuation fund within the required timeframe, generally 7-business days after payday. 
  • If the contribution is refunded and there is a change of fund; a 20-business days “Extended usual period” applies from payday, giving Employers time to correct the error. The 20-business days also applies for (i) first payment for new employee, (ii) non-compliant SMSF, (iii) out-of-cycle payments.
  • Only if a contribution to the correct fund is refunded (i.e. poor data), the Employer must re-contribute to the fund within the original 7-business days. 
• In the rare event of a refund (Currently on average when using the SuperChoice Clearinghouse 99.78% of transactions are submitted without refund).  
  • From 1st July 2026, APRA Funds must now allocate or refund within 3 business days (reduced from 20 business days) resulting in more timely notification to the Employer.
  • Following a refund, as highlighted above, if the correction results in payment to a new fund, under Payday Super rules, the Employer has 20 business days from Payday for the new fund to receive the contribution. 
• The introduction of the new Member Verification Request (MVR) will reduce refund events. The MVR enables an Employer to check if a fund will accept a contribution for a member in advance of Payday. Employers must use an MVR for new Employees and an Employee’s changes of fund. It can also optionally be used following Employee Data Change (name, date of birth, TFN).