How to pay employee super contributions

Learn how you can help simplify and enhance the management of your employer super contributions.

Simplify your super contributions


Did you know that when you make employee super contributions you need to do so via an online clearing house that’s compliant with SuperStream?

An online clearing house is a digital platform that processes and manages financial transactions between different parties, and SuperStream is a government system that standardises the way super contributions are paid.

To help you meet your super obligations for all your employees in one simple transaction, Mercer Super provides employer partners with access to SuperStream-compliant clearing house platforms. New employers can register for Mercer QuickSuper, and existing users of Mercer Employer Portal (powered by SuperChoice) can continue to access that platform.

Both platforms help ensure timely transfers to align with payroll cycles, reduce administrative tasks, and maintain compliance with the latest super legislation.

If you're thinking of getting set up with Mercer QuickSuper, or need a refresher on either platform, the following can help give you peace of mind that your super contributions can be managed more efficiently and reliably.
 

Covered in this article:

Benefits of using Mercer QuickSuper or Mercer Employer Portal


Both Mercer QuickSuper and Mercer Employer Portal offer several benefits:

  • Compliant – As super laws and regulations evolve, staying compliant with your obligations can be challenging. Both Mercer QuickSuper and Mercer Employer Portal not only integrate with SuperStream but can help you meet all current regulatory requirements.

  • Efficient – Both platforms can consolidate all your employees' contributions into a single payment, which is then distributed to their individual super funds. This could potentially reduce your administrative overhead and minimise errors.

  • Time-effective – Using Mercer QuickSuper or Mercer Employer Portal can help reduce the time that can come with making employee super contributions one at a time. Accurate and timely contributions are crucial to help avoid penalties and ensure employee benefits are maximised.

  • Secure – Both Mercer QuickSuper and Mercer Employer Portal adopt robust security measures to help protect the data of your business and your employees.

  • Improved cash flow management – With Mercer QuickSuper or Mercer Employer Portal, you could better manage your cash flow by synchronising contributions with your payroll processes, in turn helping you maintain a balanced cash flow.

  • Enhanced employee trust – Timely super contributions can enhance the satisfaction, trust, and financial wellbeing of your people as they gain confidence knowing their super is being regularly contributed.

How Mercer QuickSuper and Mercer Employer Portal can help with your compliance
 

  • Interfaces directly with the Australian Taxation Office (ATO) to ensure contributions are accurate and on time.

  • Provides detailed reporting and audit trails helping you track and demonstrate your compliance.

  • Has regular system updates to reflect changes in super laws or regulations in a timely manner.

  • Offers support and guidance on super compliance matters so you can better understand and meet your obligations.

How to future-proof your super contributions for Payday super

Given online clearing houses including Mercer QuickSuper and Mercer Employer Portal are designed so you can easily upload your contribution files (either extracted from your payroll system, or manually keyed in), the timeliness and accuracy of your super contributions could be aligned with Payday Super requirements.

Payday Super aims to change the frequency with which you make SG contributions to your employees. Traditionally, you need to make your SG contributions at least quarterly.

Payday Super, which will come into effect on 1 July 2026, means you'll need to make SG contributions at the same time you pay your employees their wages. To comply with the new changes, the fund must allocate the contribution to the employees super account within 7 business days of their payday for you to comply with your SG obligations.

You may consider shifting to using an online clearing house like Mercer Quicksuper make SG contributions at the same time you pay your employees their wages, if you don't do so already. This can help future-proof your employer super contributions and ensure your systems are already set up by 1 July 2026.

Learn more about payday super changes
 

How to use the Mercer Employer Portal and Mercer QuickSuper
 

Mercer Employer Portal Mercer QuickSuper

Registering an account

Mercer Employer Portal is not currently open for new registrations.

If you are an employer who uses Mercer Super as your default fund, you can register for Mercer Quicksuper here.

Make sure you have your business details to hand, including your Australian business number (ABN), banking and contact information.

Activating your account

Not applicable

You will receive an automated email containing your username and temporary password from Mercer QuickSuper.

Use this to log in and set up your unique password. You will also need to verify your details for the MFA.

Adding employees

For both the Mercer Employer Portal and Mercer QuickSuper, enter or upload details of your employees into the system.

You’ll need to provide full name, date of birth, tax file number and super fund details for each individual, including the fund name, the Unique Superannuation Identifier, their member number, and their (personal) email address.

Please ensure personal email addresses are provided when setting up SG contributions for your employees – default or not – so they can be contacted by their super fund if they ever leave your employment.

Solution proposal

Both Mercer Employer Portal and Mercer QuickSuper are configured to accept the ATO's defined contribution file formatting either a SAFF (SuperStream Alternative File Format) File or a Contribution CSV file.

If you’re not running a payroll solution that allows you to extract these files, then a data entry solution is also available.

Check your compliance

Although a feature of both the Mercer Employer Portal and Mercer QuickSuper is to help you adhere to legislation, it’s always a good idea to double-check that your contribution settings meet the Superannuation Guarantee (SG) rates and other relevant regulatory requirements.

Mercer can also assist employers with a comprehensive superannuation guarantee compliance review, ensuring businesses understand what is required to meet their obligations and protect the financial wellbeing of their employees. Email our team of specialists at employer.support@esuper.com.au for further information.

Implementation and training

There are a number of detailed user guides available on both the Mercer Employer Portal and Mercer QuickSuper, designed to assist you with setting up.

If you have any questions or require additional support you can reach out to our team of specialist by emailing employer.support@esuper.com.au or by calling 1800 682 525 (option 4), Monday to Friday, 8am-7pm (AEST/AEDT)

Making contributions

Both Mercer Employer Portal and Mercer QuickSuper allow you to upload contribution files from your payroll system or manually enter employee information. The system will process the contributions and distribute them to your employees’ respective super funds. Payments can be made via EFT (electronic funds transfer). Mercer QuickSuper now offers OSKO as a payment method, ensuring your EFT payment is received in real-time.

Monitor the system during the initial period – to ensure it meets your expectations and integrates smoothly with your existing processes.

Monitor transactions – regularly check your Mercer QuickSuper dashboard for transaction updates to ensure your ongoing compliance with super regulations.

Running regular reporting

Navigate to the reporting section or dashboard where you can customise and generate reports based on your preferences. You can also use Mercer Employer Portal’s support resources or customer support for assistance. Mercer QuickSuper provides comprehensive reporting tools to help you track contributions and ensure compliance. You can generate reports on contribution history, pending contributions, and more.

Seeking help

If you have any questions as you’re setting up the platform, you can reach out to our team of specialists by emailing employer.support@esuper.com.au or by calling 1800 682 525 (option 4), Monday to Friday, 8am-7pm (AEST/AEDT).

What you can do and what your employees can do
 

While Mercer QuickSuper and Mercer Employer Portal both help you to simplify your superannuation administration, there are some limitations to what you can do through the platforms.

Understanding what you can and cannot do, alongside the benefits of each platform, can help you maximise the efficiency in your processes.
 

With Mercer QuickSuper and the Mercer Employer Portal, you can:
 

  • Set up new members
  • Submit employee TFNs
  • Make contributions for all your employees
  • Change join fund date
  • Notify of us exits
  • Update payroll numbers
  • Extract reconciliation reports

If you would like to update any of the below, please contact us by emailing employer.support@esuper.com.au or by calling 1800 682 525 (option 4):

  • Salary details
  • Insurance details
  • Incorrect date of birth (within 90 days)
  • Employment category

Updates to an employee’s personal details on their super account, such as their address, name and date of birth (after 90 days) can only be done by the employee.

Key takeaways:

Mercer Employer Portal and Mercer QuickSuper can help
 

  • ensure your super contributions are always up-to-date with automated, compliant payments, and
  • reduce administrative burden so you can focus more on strategic business activities.

Frequently asked questions

  • Are Mercer QuickSuper and Mercer Employer Portal compliant?

    Yes, Mercer QuickSuper and Mercer Employer Portal are both online clearing houses that are fully compliant with SuperStream (the mandatory data and payment standard for super contributions in Australia). This ensures that all your contributions can be processed in accordance with regulatory requirements.

  • What is an online clearing house?

    An online clearing house is a digital platform that processes and manages financial transactions between different parties. In the context of super, it acts as an intermediary that collects super contributions from employers and distributes them to the appropriate super funds on behalf of their employees. This streamlines and simplifies the payment process, ensuring accuracy and compliance with regulations.

  • How much does it cost to use Mercer QuickSuper?

    The cost of using Mercer QuickSuper is provided free of charge to Mercer Super's registered participating employers.

  • How much does it cost to use Mercer Employer Portal?

    The cost of using Mercer Employer Portal is provided free of charge to Mercer Super's registered participating employers.

  • Will costs increase for my business?

    Both Mercer QuickSuper and Mercer Employer Portal are designed to be cost-effective, often reducing administrative time and effort. The streamlined process can offset any additional costs related to more frequent contributions.

  • Can I make contributions to multiple super funds?

    Yes. Both Mercer QuickSuper and Mercer Employer Portal are designed to handle contributions to multiple super funds, which can be helpful if you have employees belonging to different funds.

  • How about multiple pay cycles and Payday Super legislation?

    Both Mercer QuickSuper and Mercer Employer Portal can manage contributions for various pay cycles, whether weekly, fortnightly, or monthly, ensuring flexibility and compliance regardless of your payroll frequency.

    Both platforms are already set up to help you be ready for Payday Super on 1 July 2026.

  • What types of payments can I make?

    Both Mercer QuickSuper and Mercer Employer Portal accept payments via electronic funds transfer (EFT), making it flexible and convenient for businesses of all sizes.

  • What if an employee changes their super fund?

    If an employee changes their super fund, simply update their details in your payroll system as well as either Mercer QuickSuper or Mercer Employer Portal, to direct future contributions to the new fund.

  • Are Mercer QuickSuper and Mercer Employer Portal secure?

    Mercer QuickSuper and Mercer Employer Portal both employ robust security measures, including encryption and secure data transmission, to help ensure the safety and confidentiality of business and employee data.

  • How do I get support for any Mercer QuickSuper issues?

    If you're a registered participating employer, you can access a dedicated team of experts who can provide you with support on questions or issues that arise whilst using the Mercer Employer Portal.

    You can contact them via email employer.support@esuper.com.au or call the Helpline on 1800 682 525 (option 4).

  • How do I get support for any Mercer Employer Portal issues?

    If you're a registered participating employer, you can access a dedicated team of experts who can provide you with support on questions or issues that arise whilst using Mercer Employer Portal.

    You can contact them via email employer.support@esuper.com.au or call the Helpline on 1800 682 525 (option 4).

Features of a default super fund


Learn about all the different features when choosing a fund for your employees.


Read next:

What features to look for in a default fund

Assess the features and benefits available for you and your employees

Employer forms and documents

Forms and documents you need to manage super for your employees

Employer support and information

Support and information so you can manage your super obligations

Employer support

For employers

If you need help in managing your employer super obligations be sure to contact your Client Executive if you have one.

Visit our employer support page, or call us on 1800 682 525 Monday to Friday, 8am-7pm (AEST/AEDT).

Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, Australian Financial Services Licence 235906, the trustee of the Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’).

Mercer Super Employer Portal is provided to you by SuperChoice Services Pty Limited ABN 78 109 509 739, SuperChoice Services Pty Limited (ACN 109 509 739), Authorised Representative (Number 336522) of PayClear Services Pty Limited (ACN 124 852 320) holder of Australian Financial Services Licence Number 314357. SUPERCHOICESERVICES PTY LTD DUNS NUMBER 75-262-2303.

The QuickSuper service is provided to you by © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 ("Westpac"), at the request of Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, AFSL #411980. Westpac terms and conditions apply to the QuickSuper service which you will be asked to accept.

Any advice provided is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any advice we recommend you obtain your own professional advice when considering the application and impact of tax laws or other laws that may affect you.

This information is current as at the 24 April 2026 based in information received in good faith from sources we believe to be reliable and accurate. This information reflects our understanding of the legislation and is not a substitute for legal advice. Information is subject to change. No warranty as to the accuracy or completeness of this information is given and no responsibility is accepted by Mercer Super or any of its related entities for any loss or damage arising from reliance on the information.

The trustee regards the security of your personal information of the utmost importance. If you receive a suspicious email or one requesting information such as your personal details, account information, password or other log in details, do not open any attachments and contact us immediately on 1800 682 525 or via the member portal. You can learn more about online security at mercersuper.com.au/onlinesafety.

For information on privacy and the handling of your personal information, together with how to contact our Privacy Officer, please refer to the Mercer Australia Privacy Policy available at mercersuper.com.au/privacy.

‘MERCER’ is an Australian registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917.