IMPORTANT NOTE

There will likely be some updates to SuperStream messaging, including error messages, after Payday Super starts on 1 July 2026. Team Super will keep employers updated about these changes on this webpage. We will also update you via our Employer Relationship Managers and employer newsletters (if you are a registered employer).

OPT IN TO REAL-TIME PAYMENTS BY USING QUICKSUPER

QuickSuper* is SuperStream-complaint and accepts New Payment Platform (NPP) payments. Employers who have registered with Team Super can use QuickSuper* clearing house to pay super. The service is free to use, and you can make these payments to employees who are with multiple funds – not just Team Super.

Note: You’ll need to register as a Team Super employer before you can access the Team Super QuickSuper* clearing house portal.

HOW TO REGISTER AS A TEAM SUPER EMPLOYER

  1. Download this application form (PDF)

  2. Fill out the last two pages after reading the Product Disclosure Statement (PDS)

  3. Email the form to help@admin.teamsuper.com.

PAYING SUPER TO EMPLOYEES WITH TEAM SUPER ACCOUNTS


If you make super payments to members of Team Super, please see the five key steps to ensure your payments are Payday Super complaint.

Check that your employee data in your payroll system is accurate, including their:

  • first and last names;

  • date of birth;

  • Tax File Number (TFN); and

  • Residential address.

Please also ensure that their Unique Superannuation Identifier (USI)/fund details match fund records exactly. You can find Team Super's details here.

Use the Member Verification Request (MVR) function in your payroll system for new employees or employees who have changed funds to verify active accounts before the first contribution is made.

Use the Member Registration Request (MRR) function in your payroll system to register the employee as a member of Team Super (if you have not already done this).

See the Australian Taxation Office (ATO) QE Factsheet (PDF) and the Frequently Asked Questions section below to find out more about QE – this is a new concept that applies from 1 July 2026 for the calculation of the Super Guarantee (SG). The ATO has also released a QE factsheet that you may find useful.

Tip: Use a SuperStream-compliant payment method, such as QuickSuper*, with real-time payment to help achieve faster receipt. Monitor acknowledgements and rejections from Team Super or your clearing house as soon as they are received.

BEFORE YOU MAKE SUPER PAYMENTS

Because you could be liable for the Super Guarantee Charge (SGC) for a late payment, it’s important that you check that your payments go through to each employee. If they have not received their payment within seven business days of their pay, you could be liable for the charge even if you made the payment in time.

Therefore, please build the below steps into your super payment processes.

On the day you submit your payment:

  • process and send super contributions same day or immediately after wages;

  • use a SuperStream-compliant method with real-time payment for fastest receipt;

  • monitor for immediate acknowledgements/rejections from Team Super or the Clearing House; and

  • check Single Touch Payroll (STP) reporting includes Qualifying Earnings (QE) and Super Guarantee (SG) liability.


AFTER YOU MAKE A SUPER PAYMENT

You should take the following steps after you have made your super payments for each pay cycle. These technically need to be done within seven business days – but to avoid the super guarantee charge, you should aim to complete these steps earlier:

  • review error/rejection messages promptly (as soon as possible to allow you to fix any payment errors before the seven business days elapse);

  • resubmit corrections quickly;

  • retain records of payments, dates, and responses; and

  • reconcile fund statements with payslips regularly.


SUPERSTREAM MESSAGES AND ACRONYMS

A range of error messages are sent from the super fund administrator back to SuperStream, and if applicable you will be able to see these error messages in your super payment reports. You should check for error messages as soon as possible, so you can ensure updates are made within three days to ensure that payments are received within the seven business day deadline.

For SuperStream, there are two types of response message:

  1. Technical responses: These are intended for the original sending party (employer via a payroll provider or clearing house) to evaluate as they relate to a technical issue(s) within the message that prevents a super fund from processing data into core registry systems. After a technical response is sent to the original sending party, it is the responsibility of that sender to correct and re-send the message.

  2. Business responses: These responses notify employers of unsuccessful processing events requiring them to take action to enable successful processing. Business responses may also confirm successful processing. Examples of business responses are detailed in the table below. This would occur when a fund cannot accept a contribution for processing.


Below are some of the more common messages (including error messages) you need to be aware of.

The Contributions Transaction Request (CTR) message is used to communicate the contribution details from the employer to the superannuation fund, administrator or clearing house.

A payment must be related to a single business document within a CTR message regardless of the number of members contained within that message.

As a general principle a CTR cannot be used by a super fund to establish a new member account. Where a fund cannot identify a member from the details provided in the CTR, the contribution must be refunded and a Contribution Transaction Error Response (CTER) – see below.

Because a Contribution Transaction Response (CTR) cannot generally be used by a super fund to establish a new member account, where a fund cannot identify a member from the details provided in the CTR, the fund must refund the contribution and a Contribution Transaction Error Response (CTER) will be issued using error code SUPER.GEN.GEN.21 (member not found with supplied information).

The Payment Reference Number (PRN) and amount in the Contribution Transaction Error Response (CTER) and refund payment must match. The associated CTER is used to inform the employer when a CTR message cannot be successfully processed. A CTER may be sent:

  • as a single response to a CTR for all errors discovered, once processing is complete for all members included in the CTR, or

  • multiple times for a single CTR, for any subset of errors discovered during processing of the CTR.

A CTER message may have an associated refund payment. Where a response message with a severity of ‘warning’ is sent, you should review your records and update the data for future contributions.

For example, if the warning SUPER.GEN.CNTRBTN.11 indicates an incorrect Unique Superannuation Identifier (USI), the fund will provide the correct USI. Employers should use this updated USI in the next Payroll/CTR run.

If an employee consents using your default fund, the employee should be registered with the default fund using the Member Registration Request (MRR) message. If the employee has nominated another fund, which is not your default fund, then it is their responsibility to register with the fund and provide the necessary details to you so that contributions can be made.

You should use the MRR message to maintain and update employee/member details with the default superannuation fund, or the employee’s choice superannuation fund.

Super funds and clearing houses send this message to notify of the outcome of a Member Registration Request (MRR), supplying new membership numbers or flagging registration errors. MRORs include error and success responses.

A fund must send a MROR for any new registration.

Member Verification Request (MVR) allows you to verify whether a fund can accept a super contribution for an employee. You must use the MVR prior to making a super contribution to a super fund for the first time. This can include a nominated fund by the employee through choice or a change in an employee’s choice of fund.

An MVR may also be used to verify an account:

  • Following a stapled account provided by the Australian Taxation Office (ATO);

  • Following a Successor Fund Transfer (where one fund merges with another);

  • Where there has been a change in payroll or registry systems where agreement has been provided by the fund ;

  • As part of corrective action following a rejected contribution from a fund; or

  • Where there are changes to an employee’s tax file number (TFN), Date of Birth, or Name.

IMPORTANT NOTE: You must not use the MVR to support regular contributions processes. (i.e. it is not to be used prior to every payment cycle.)

Funds must respond to the MVR as early as possible, but no later than 24 hours after receiving a request. Funds must provide a Member Verification Outcome Response (MVOR) message (see below).

Super funds must respond to the MVR as early as possible, but no later than 24 hours after receiving a request. The response is known as a Member Verification Outcome Response (MVOR) message. The MVOR message will confirm whether:

  • The super fund can match the employee information to an active account and will accept a contribution on behalf of that employee which both must be validated; or

  • The super fund cannot verify the member or there are eligibility reasons why they cannot accept contributions. An appropriate reason code needs to be provided when responding.

Message codes

  • SUPER.GEN.CNTRBTN.20: Member was successfully verified

  • SUPER.GEN.GEN.21: Member not found with supplied information

  • SUPER.GEN.GEN.22: Contributions cannot be accepted as it is either a closed product, defined benefit, or pension fund

  • SUPER.GEN.CNTRBTN.8: Contributions cannot be accepted for this individual due to age or eligibility restrictions

  • SUPER.GEN.CNTRBTN.21: The ABN of the SMSF is not known to the Message Receiver

  • SUPER.GEN.CNTRBTN.22: No account exists and you do not have a default relationship with the fund to register the employee

  • SUPER.GEN.CNTRBTN.23: The Super Fund is not open to new members

A Payment Reference Number (PRN) is a unique 18-character code used to electronically link your employee super contribution data with the actual money being transferred to the super fund via SuperStream.

A Payment Reference Number (PRN) is a unique 18-character code used to electronically link your employee super contribution data with the actual money being transferred to the super fund via SuperStream.

CONTRIBUTION AND MEMBER REGISTRATION BUSINESS RESPONSE MESSAGING SCENARIOS - UNSUCCESSFUL


Where you receive an error message the below table can be used to quickly find the most common error references, descriptions, and what your next actions should be to rectify the error.**

Ref.Message typeError codeDescriptionNext steps

CM01

CTER

12 June 2025

Member not found with supplied information. 
  1. Confirm the submitted details match the details provided by the employee. Encourage the employer to contact the super fund to validate their details.
  2. If the original details were confirmed by the employee as wrong, resubmit the contribution for the employee with the valid details.
  3. Where no new information is provided, follow the choice of fund rules to ensure SG can be recived by a fund. 

CM02

CTER

SUPER.GEN.GEN.22 

No Longer a member of specified Superannuation fund 
  1. Inform the employee of the outcome. Encourage employee to contact the super fund to verify their member details.
  2. Attempt to resubmit the payment for the employee if they provide new super fund details.  
  3. Where no new details are provided, follow the choice of fund rules to ensure SG can be received by a fund

CM03

CTER

SUPER.GEN.CNTRBTN.4 

Contributions cannot be accepted as it is either a closed product, defined benefit, or pension fund. 
  1. Inform the employee that the fund does not accept contributions.  
  2. Attempt to resubmit the payment for the employee if the employee provides new super fund details.  
  3. Where no new information is provided, follow the choice of fund rules to ensure SG can be received by a super fund. 

CM04

CTER

SUPER.GEN.CNTRBTN.8 
SUPER.GEN.CNTRBTN.5 

Contributions can’t be accepted due to age or eligibility restrictions.  

Member TFN required for this contribution type. 

 

Day 1:  

Inform the employee that the contribution type can’t be accepted by the super fund.  

Day 3: 

  1. Inform the employee that they need to provide TFN to the super fund.  
  2. Attempt to resubmit the payment if the employee has confirmed that the super fund has their updated details. 

CM05

CTER

SUPER.GEN.CNTRBTN.8 

Contributions can’t be accepted for this individual due to age or eligibility restrictions. 
  1. Check the employee’s reported age and contribution type details to ensure they align with acceptable contributions.  
  2. Inform the employee that the contribution can’t be accepted by the super fund if they don’t meet requirements.  
  3. Attempt to resubmit the payment for the employee if the employee provides new super fund details.  
  4. Where no new information has been provided, follow the choice of fund rules to ensure SG can be received by a super fund. 

 

CM06

CTER

SUPER.GEN.CNTRBTN.6 

Payment is less than what has been specified with Contribution Transaction Request Message. 
  1. Review the response message and determine the correct payment amount to be made.  
  2. Resend the contribution message with a matching corresponding payment to the super fund. 

CM07

CTER

SUPER.GEN.GEN.13 

Unknown BPAY® Biller code. 
  1. Check the BPAY® details provided and confirm with the bank the BPAY® biller code is correct. 
  2. Resend the contribution with the correct BPAY® biller code of a valid corresponding payment that has been made to the super fund. 

CM08

CTER

SUPER.GEN.GEN.14 

Unknown BPAY® Customer Reference Number. 
  1. Check the Customer Reference Number (CRN) is correct and matches the super fund’s details. Confirm with the fund out of band if required.
  2. Resend the contribution with the correct CRN of a valid corresponding payment that has been made to the super fund. 

CM09

CTER

SUPER.GEN.CNTRBTN.5 

Member TFN required for this Contribution Type. 
  1. Confirm the TFN provided by the employee matches the TFN included in the message.
  2. If the TFN provided by the employee matches the submitted TFN, confirm with the employee or use the ATO’s EmployerTICK, to verify the TFN is correct. 
  3. Resubmit the contribution with the updated TFN listed. 

CM11

OOB

n/a

n/a
  • Out of band (OOB) contact. Review submission status with their SuperStream messaging provider to identify issue and resubmit when resolved. 
  • SuperStream must be used to transmit money and information consistently across the super system. 

CM12

CTER/ MROR 

SUPER.GEN.CNTRBTN.21 

The ABN of the SMSF is not known to the Message Receiver. 
  • Request a valid electronic service address (ESA) for the fund from your employee.  
  • All SMSFs must be registered with an ESA to accept super contributions. A refund may be unlikely as the SMSF can still allocate the payment to the member’s account. 

CM14

CTER

SUPER.GEN.GEN.12 

Payment reference number cannot be matched 
  1. Verify the payment was successfully made, debited from your account and sent to the correct location. You may contact your clearing house to query the missing payment.  
  2. Ensure the PRN on your contribution message matches the PRN of your payment.  
  3. Resubmit the contribution with the PRN of a valid matching payment 

CM16

CTER

SUPER.GEN.CNTRBTN.22 

No account exists and you do not have a default relationship with the fund to register the employee. 
  1. Inform the employee that they don’t have an account with the provided fund and ask for alternative fund details.  
  2. Resubmit another CTR if the employee has provided updated details or new super fund details.  
  3. Where no new information is provided, follow the choice of fund rules and ensure SG can be received by a fund. 

CM17

CTER

SUPER.GEN.CNTRBTN.23 

The Super Fund is not open to new members. 
  1. Inform the employee that the provided fund is not able to accept them as a member and ask for alternative super fund details.  
  2. Resubmit another CTR if the employee has provided updated details or new super fund details.  
  3. Where no new information has been provided, follow the choice of fund rules and ensure SG can be received by a fund. 

CM21

MROR

SUPER.GEN.CNTRBTN.10 

MRR update will not be processed by fund. 

Note that super fund will not process member update requests. 

CM22

MROR

SUPER.GEN.CNTRBTN.12 

Registration for this member can’t be processed due to errors. 
  1. Contact the fund to obtain further information on what is missing.  
  2. Action the error and submit a new message as applicable. 

CM23

MROR

SUPER.GEN.CNTRBTN.13 
  • Maintenance data provided for this USI cannot be actioned when received from employers. 
  • Maintenance data needs to be provided to the Fund by the member directly. 

 

Ask employee to update their details directly with the fund. 

 

 

 

  

 

CONTRIBUTION AND MEMBER REGISTRATION BUSINESS RESPONSE MESSAGING SCENARIOS - SUCCESSFUL


You may also receive error messages where a payment has been successful, but rectification is still required. See below for some examples.

Ref.Message typeError codeDescriptionNext steps

CM10

CTER

SUPER.GEN.CNTRBTN.7 

Payment is more than what has been specified with Contribution Transaction Request Message. 

  1. Review contribution and identify the discrepancy  

  2. Ensure future contribution message value amount and payment amount match to expedite processing. 

CM13

CTER

SUPER.GEN.CNTRBTN.11 

Contribution processed, but incorrect USI provided. See detailed description for correct USI. 

 

  • Correct unique superannuation identifier (USI) details for the next contribution cycle.  
  • Use the Fund Validation Service to confirm the correct USI. Employers to ensure the correct USI is used for future contributions for the employee. 

CM18

MROR

SUPER.GEN.CNTRBTN.1 

Member registration request message was successfully processed. 

 

Provide additional fund specific information if requested by the fund. 

 

CM19

MROR

SUPER.GEN.CNTRBTN.1 

Member registration request message was successfully processed. 

 

Update systems with the Member Number provided. 

CM20

MROR

SUPER.GEN.CNTRBTN.1 

Member registration request message was successfully processed. 

No action required.  

 

 

 

 

 

 

 

ATO CHECKLISTS AND FACTSHEETS ON PAYDAY SUPER


The Australian Taxation Office (ATO) has provided the following resources:

WHO IS YOUR PAYROLL SUPPORT PROVIDER?


If you’re not using a clearing house, you should ensure you’re following all the steps to get the best outcome from your Payroll Support provider. Below are links to the Payday Super help pages for some of the most popular payroll support providers:

EMPLOYER SUPPORT FROM TEAM SUPER

We understand that for some employers the changes may mean significant adjustments to the way you pay super for your employees. Team Super is here to help.

If you require any assistance, including information sessions on how to prepare for Payday Super, please contact our Employer Relationship Managers who are here to provide support.

* QuickSuper is issued by Westpac Banking Corporation (ABN 33 007 457 141, AFSL 233714). An offer to issue this product may be made to you by Westpac, subject to completion of the application process. The Product Disclosure Statement (PDS) for QuickSuper is available on the Westpac website. You should consider the PDS before deciding to accept any offer made by Westpac to issue the product.

** Source: ATO Business Response Messaging Framework User Guide, accessed 4 June 2026.