Super is mandatory. Earning rewards on it isn’t.

Payday Super means you're paying super every payday from 1 July 2026. pay.com.au lets you pay your clearing house by credit card, earn PayRewards Points on every contribution, and turn a compliance obligation into a reward.

$17B+
Business payments
processed
88,000+
Australian businesses
earning payback
16
Airline & hotel
transfer partners
30 days
Premium plan
free trial

Earn Points on your Super Contributions

Just your ABN. No lengthy approvals. Earning rewards in minutes.

01
Prepare

Build your contribution report

Create the report in your clearing house and download the payment details.

Works with any clearing house
02
Pay

Settle with your payment method

Add the payment details into pay.com.au, then pay using the supplied PRN with your credit card or bank account.

Earn your full credit card rewards
03
Earn

Earn points on every payment

Your card's rewards stack with PayRewards — points on contributions you'd be making anyway.

Qantas · Velocity · KrisFlyer
04
Distribute

Employee super funds get paid

pay.com.au splits the contribution and remits it on to each employee's chosen super fund.

SuperStream compliant
Super Fund #1
Settled
Super Fund #2
Settled
Super Fund #3
Settled

Your super payments are secure

Trusted by 88,000+ businesses. $17B+ processed.

End-to-end encryption
Real-time AML & KYC
Card & bank data tokenised
Passkey & MFA enabled
ANZ quarantined funds
Cash-backed points

Card Points

Every Super payment earns.

Pay your super by credit card through pay.com.au. Visa, Mastercard, or Amex. Every dollar earns your regular card points. Your employees super gets a bank transfer. You get the points. Prefer bank transfer? Earn PayRewards on every payment.

Card points on every dollar
Visa, Mastercard, AMEX and bank transfer payment networks

CASHFLOW

Keep your cash flowing

Under the old rules, super sat in your account for up to three months. Under Payday Super, it moves within 7 business days. Paying by credit card through pay.com.au gives you flexibility on when the money actually leaves your account. Stack credit card points on top of PayRewards.

Up to 55 additional cashflow days
Amex Platinum Business
Direct to ATO 1 pt/$1
Via pay.com.au 2.25 pt/$1

PayRewards

Activate PayRewards. Earn even more.

Activate PayRewards on any payment to earn a second uncapped rewards currency. Core: 1 pt/$1 at 1.0%. Plus: 2 pts/$1 at 1.8%. Dial up or down on every payment. No lock-in. Transfer to Qantas, Virgin Australia, KrisFlyer, Aeroplan, Marriott Bonvoy and 11 more.

12 airlines + 4 hotels
Earn card points plus PayRewards points on every payment

Choose a certified clearing house

ATO SuperStream certified. Add any of these as a payee in pay.com.au.

QuickSuper

Westpac / Qvalent

SuperChoice

SuperChoice Services

Beam Super

Precision Administration

Essential Super

Commonwealth Bank

Wrkr Pay

Wrkr Pty Ltd

OZEDI

OZEDI Holdings

SuperConnector

Apex Superannuation

MessageXchange

EVISION Pty Ltd

Source: ATO SuperStream Certified Product Register, May 2026. Full list at ato.gov.au.

Get set up before 1 July 2026.

One-time setup. Then earn on every super payment.

Claim Your Free Trial
No lock-in contract
ABN is all you need
Set up in minutes

pay.com.au vs direct bank transfer

You're paying super either way. The question is whether it earns you anything.

pay.com.au
Get started
Direct EFT
Rewards
Earn PayRewards Points
Earn credit card points
16 transfer partners
Pay invoices with points
Business benefits
Credit card cashflow flexibility
Tax-deductible fees
All payment types in one platform
ISO 27001 & 3DS security
Rewards
Earn PayRewards Points
Pay
EFT
Earn credit card points
Pay
EFT
16 transfer partners
Pay
EFT
Pay invoices with points
Pay
EFT
Business benefits
Credit card cashflow flexibility
Pay
EFT
Tax-deductible fees
Pay
EFT
All payment types in one platform
Pay
EFT
ISO 27001 & 3DS security
Pay
EFT

Join thousands of businesses that love rewards

More Australian businesses are choosing pay.com.au to simplify payments and earn points on everyday expenses.

Payday Super. Straight Answers

Everything you need to know about paying super through pay.com.au.

What is Payday Super?
Payday Super is a legislative change requiring all Australian employers to pay super contributions within 7 business days of each payday, instead of within 30 days of the end of the quarter, starting 1 July 2026. The ATO's free Small Business Clearing House also closes on this date. For more information, visit the ATO website.
Can I pay super contributions through pay.com.au?
Yes, you can pay super contributions through pay.com.au. Our platform allows you to process super contribution payments every payday.
Can I use my credit card to make a super payment?
Yes, you can use your credit card to make super payments through pay.com.au. Accepted methods include PayID, BSB and Account Number, Visa, Mastercard, and American Express. Important: Payments to an SMSF owned by an individual or entity associated with the cardholder are classified as Related Entities, which is a prohibited payment type on pay.com.au. These payments can still be made by selecting bank account as your payment method.
Is the pay.com.au workflow SuperStream compliant?
Yes, paying your super contributions through pay.com.au is compliant with SuperStream.
Can I use pay.com.au for super if I use Xero?
Xero does not support a Payday Super integration solution. To use pay.com.au and Xero for super payments, you will need to: 1) Prepare your contribution data via Xero Reports. 2) Submit your contribution data to your clearing house to generate the payment reference number. 3) Log in to pay.com.au to process the payment.