Description of SuperStream

Most employers will be paying superannuation on behalf of their employees to many different super funds.  This is time-consuming as a payment has to be sent to each fund, together with various information.

SuperStream is a process designed by the ATO to streamline this process.  It is done in co-operation with super funds, employers and payroll software suppliers.

With SuperStream you send all the super information to one organisation (called a clearing-house), who then sends this data to each individual super fund.  Most clearing-houses want you to send the total contribution amount to them, and they will distribute the money to each fund, typically three days later.

PAY-PACK Version 9 lets PAY-PACK users participate in SuperStream.  We have been sending it on request to PAY-PACK users since October 2014.  To obtain version 9, just send an email to us at requesting a copy. 

When do you need to start SuperStream?

By the end of 2015 we would like to have finished sending version 9 to all PAY-PACK customers whose maintenance is up-to-date.

If you have 20 or more employees.

You are supposed to have started SuperStream by 30 June 2015.  However there seems to be some leeway.  At various business software seminars, ATO officials have stated that they expect many employers will not have commenced by then, and in practice there will be a grace period.  On the ATO website I found a statement: “You must make best efforts to implement by 30 June 2015.”

If you have less than 20 employees.

You should have started SuperStream by 30 June 2016.  If you want version 9 now we will send it to you.  However we are likely to be busy in June, July and August helping larger employers commence SuperStream.  We would prefer you to wait until about September 2015 to request version 9.

Details of clearing houses:

Lewis PAY-PACK will be able to produce the SuperStream information in a variety of formats to suit the major clearing-houses.  Ozedi and ClickSuper are independent firms not owned by the super funds.


Pronounced Oz-eddy.  Ozedi will let you arrange the payments at a separate time from sending the data, which will be good for your cash flow.  Ozedi will now deal direct with PAY-PACK customers.  Originally they were only going to deal with Custom-Made Software Pty Ltd.  Consequently we will not need to charge extra annual maintenance (as mentioned in our March 2014 newsletter) if you are using Ozedi.  Ask us for Ozedi’s contact details.  It is possible to make the payments to the super funds with PAY-PACK using the SuperBanking option.


ClickSuper will send payments to the super funds as well as data in the SuperStream format (using the SAFF format).  Clients will pay ClickSuper a monthly fee depending on the number of employees, for example $10 + GST for 11-to-25 employees, and $35 + GST for 76-to-150 employees.  There is also a transaction fee of 10 cents plus GST.  For further details contact Donal Broaders, Client Services Team, email, phone 1300 834 535.


Many of the industry super funds will encourage employers to use Quicksuper.  This system is owned by a division of Westpac.  The Quicksuper system will send payments to the super funds.

Generic File

Lewis PAY-PACK will also be able to produce a file containing the relevant information.  This will be a CSV (comma-separated values) file.  Some superannuation funds (such as SunSuper) prefer their employers to send data this way, and they will distribute payments to other funds.

Small Business Superannuation Clearing House

The ATO runs a Small Business Superannuation Clearing House.  This is a free service.  It is available for employers with less than 20 employees.  From 1 July 2015 it will also be available for employers with annual turnover less than $2 million even if over 20 employees.  Phone contact is 1300 660 048.

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