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MYOB Pay Super Financial Services Guide and Product Disclosure Statement

Financial Services Guide

1. Financial services we provide

MYOB is authorised to:

  • provide general financial product advice for deposit and payment products limited to non-cash payment products; and

  • deal in a financial product by:

    • issuing, applying for, acquiring, varying, or disposing of deposit and payment products
      limited to non-cash payment products,

to retail clients.

These services will be provided by us in relation to MYOB’s Pay Super, which is a financial product known as a “non-cash payment product”. The financial services provided by MYOB in relation to MYOB Pay Super include marketing the service, providing recommendations and opinions regarding using the service, and making the service available to customers.

2. The purpose of this FSG

This Financial Services Guide (FSG) is an important document prepared and provided by MYOB Australia Pty Ltd ABN 13 086 760 198 / AFSL No. 241059 (MYOB, we, us or our).

The purpose of this FSG is to inform you of those matters required under the Corporations Act, 2001 (Act) and the regulations made pursuant to the Act (Regulations) to assist you to decide whether to acquire a non-cash payment facility (Clearing House Facility) from SuperChoice Services Pty Limited ABN 78 109 509 739 / Authorised Representative No. 336522 (SuperChoice) of PayClear Services Pty Limited ABN 93 124 852 320 / AFSL No. 314357 (PayClear).

This document contains general information only and is not personal advice. The document is not intended to provide, and should not be relied upon, for accounting, legal or tax advice. This document has been prepared without taking into account any person’s objectives, financial situation or needs.

In conjunction with this FSG, you will receive a Product Disclosure Statement (PDS) which will inform you of other matters as required by the Act and Regulations including the nature and characteristics of the financial product that is being offered and the cost of that product.

Before making any decision to use or continue to use MYOB Pay Super, you should consider the PDS and assess whether MYOB Pay Super is appropriate having regard to your objectives, financial situation and needs.

3. Roles and contact details of MYOB

MYOB Pay Super provides you with the ability to electronically process superannuation contributions to your employees nominated Superannuation Funds from within your MYOB Product.

MYOB will identify and facilitate registration of its customers that intend to use MYOB Pay Super and will provide online help which can be accessed by visiting MYOB Pay Super online help pages.

4. Remuneration of MYOB

MYOB receives monthly subscription fees for the use of MYOB products, which includes access to MYOB Pay Super for customers.

These fees are set out at in the Pricing Plans.

In providing the Clearing House Facility, SuperChoice and PayClear receive remuneration from MYOB for the services provided.

Apart from the relationship between SuperChoice and PayClear as prime contractor and subcontractor, and both being subsidiaries of a common holding company, there is no relationship or association between either SuperChoice or PayClear and the issuers of any financial products.

SuperChoice receives transaction fees that are calculated on a per employee contribution basis from MYOB and PayClear receives interest on the superannuation contributions transferred using MYOB Pay Super. The funds are held in an account pending disbursement of contributions to the relevant superannuation funds. The interest that PayClear receives at the date of this FSG is 3.10% per annum. This rate will fluctuate upwards and downwards according to fluctuations in interest rates.

PayClear reserves the right to charge you directly for refunds, dishonours, investigations or stop payment, at its discretion.

5. Other disclosure documents you may receive

This FSG only sets out the range of financial services and the type of financial product that we are authorised to provide under our AFSL No. 241059 in relation to MYOB Pay Super. If we provide you with other financial services, we may provide you with a separate FSG containing information relevant to those services.

This FSG should be considered alongside the PDS for MYOB Pay Super issued by PayClear.

6. Insurance arrangements

We hold a professional indemnity insurance policy (Policy), which satisfies the requirement for compensation arrangements under section 912B of the Act. Subject to its terms and conditions, the Policy provides cover for civil liability resulting from third party claims concerning the professional services provided by us and our employees and representatives. The Policy covers professional services provided by employees and representatives of MYOB while they are in our employ, even where that employee or representative has subsequently left our employ.

7. What to do if you have a concern

Contacting us

If you have any concerns related to your use of MYOB Pay Super, including where you suspect an error has occurred with a Payment:

You should do this by either:

MYOB has arrangements in place for handling complaints. If you contact us with a complaint, we will acknowledge your complaint within a day and will make every effort to resolve your issue within 30 days.

What we will do

We will promptly look into your concern and decide what course of action should be taken. We will seek to resolve your concern immediately, however if that is not possible, we will aim to resolve it within 30 business days. If this is not possible, we will keep you informed of progress and how long it is expected to take to resolve.

If you are not satisfied with our response

If you are not satisfied with the response, we give you to resolve your concern or complaint, you have the option of contacting the Australian Financial Complaints Authority (AFCA), the external dispute resolution scheme of which MYOB is a member.

You can contact AFCA by:

AFCA also has an online complaints form.

You can choose to take your complaint direct to AFCA.

Please note that in some circumstances AFCA may refer your complaint back to MYOB.

8. Privacy

You consent to us collecting, using and disclosing your personal information for the purpose of providing MYOB Super Pay, and associated services that you request, available to you. We value your privacy. You can read more about how we protect and handle your personal information in the MYOB Group Privacy Policy, found on our website at

We may be required to implement certain customer identification processes to comply with our obligations under the Anti-Money Laundering (‘AML’) and Counter-Terrorism Financing (‘CTF’) Act and its corresponding rules and regulations. We may request information about you at the time of providing financial services to you and from time to time thereafter, to meet our legal obligations.

We are also subject to reporting obligations under the AML/CTF Act and may be required to provide external third parties and regulators with information obtained from or about you.

9. Our contact details

We may be contacted as follows:

  • Address: Level 3, 168 Cremorne St, Cremorne VIC 3121

  • Email:

  • Phone: 1300 555 123 between 9am – 5pm (Eastern time) Monday to Friday

Product Disclosure Statement

This Product Disclosure Statement (‘PDS’) is prepared and provided by Payclear Services Pty Ltd ABN 93 124 852 320 AFSL 314357 (“PayClear”) the operator of a non-cash payment facility (clearing house facility called MYOB Pay Super).

The PDS is an important document. Its purpose is to provide you with information to assist you in deciding whether to use MYOB Pay Super, a clearing house facility for superannuation contributions accessible through MYOB products.

PayClear’s related company and authorised representative, SuperChoice Services Pty Limited ABN 78 109 509 739 (authorised representative number 366522), has been contracted by MYOB to provide a clearing house facility to employers that are considering the use of MYOB Pay Super. MYOB has consented to the inclusion of references to MYOB in this PDS.

See the Glossary at pages 17-19 of this PDS where certain terms commencing with upper-case initial letters and other commonly used terms used throughout this PDS and the Terms and Conditions are defined.

You should also review the Financial Services Guide (FSG) that has been prepared and issued by MYOB Australia Pty Ltd (ABN 13 086 760 198) holder of Australian Financial Services Licence Number 241059 relating to the use of MYOB Pay Super.

Contact details of Payclear

PayClear and SuperChoice may be contacted as follows:

Contact details of MYOB

MYOB may be contacted as follows:

The Clearing House Facility at a glance

Who can use Super Portal

MYOB customers on certain MYOB subscriptions who want a simple, secure, and cost-effective way of paying their employees’ superannuation contributions.

Benefits of using Super Portal

  • Integrated with your Accounting Software: You no longer need to memorise and recall login and password details for multiple super funds and can aggregate your superannuation contribution payments in familiar software you use in your business all the time.

  • Single Payment: Multiple payments to various superannuation funds are replaced with one online payment.

  • SuperStream Compliant: Superannuation payments and contributions data are remitted
    electronically as is required by the Australian Tax Office (“ATO”).

  • Accessibility: The product is available 24/7, except when unavailable because of scheduled or emergency maintenance.

  • Support: Employers are provided with a support infrastructure. There is also an online support team and an online help centre to assist you with any problems you have.

  • Audit Trails: Online access to all the payments and payment reference numbers enables immediate access to information to support inquiries from any of your employees.

  • Accuracy: Validation checks to ensure information is complete, correct, compliant and consistent.

  • Security: Information is protected by a cryptographic key system which is widely used by banks for internet banking applications.


Direct debit is the method required to pay your superannuation contribution payments.

As part of the Registration process, a Direct Debit Request that authorises PayClear Services Pty Ltd (Direct Debit User ID 481471) to deduct the periodic totals of your superannuation payments from your nominated bank account must be completed.

The total of the amounts you nominate for each periodic superannuation contribution payment will be deducted from your bank account and disbursed to the various nominated superannuation funds.

Payclear will not be responsible for any inability, or delay, in effecting payments to the recipient. Funds where such inability or delay has been caused by you, such as having insufficient funds in your bank account to meet the direct debit, wrongfully disputing the direct debit, or providing inaccurate or incorrect superannuation contributions payment details.

Where Payclear has remitted the funds, debited from your account, to the recipient Funds and you subsequently dispute the direct debit or cause our financial institution to reimburse to you the direct debit amount, Payclear and SuperChoice reserve their rights to recover the direct debit amount directly from you.

Fees and charges

The cost of MYOB Super Portal is included in your MYOB Product.

These fees are set out at

PayClear may charge you a fee of $12.50 in some circumstances, including for refunds, dishonours, investigations or stop payments.

Getting started

To register for MYOB Super Portal, you will need to use a MYOB Product and pay certain subscription fees.

You will need to undertake a registration process, in which you accept the terms and conditions included in this PDS and provide your Direct Debit details when you register.

MYOB and PayClear will validate the information entered when registering and confirm your registration via email. Once this confirmation is received you are set up to make superannuation payments using MYOB Super Portal.

If you are approved to use MYOB Super Portal, you will be able to access online help at any time, by visiting our MYOB Super Portal online help pages.

MYOB Super Portal in-detail

MYOB Super Portal provides you with the ability to electronically process superannuation contributions to your employees nominated Superannuation Funds from within your MYOB Product. MYOB Super Portal is fully compliant with the Australian Governments’ SuperStream requirements.

MYOB Super Portal enables you to create a single Payment Message containing details of all
superannuation contributions and associated payments for each of your employees.

PayClear is authorised to disburse your employees’ superannuation contributions to the relevant Superannuation Funds on your behalf. A single debit is made to the employer’s nominated bank account for the total of all superannuation contributions contained in each Payment Message.

The instructions to pay various superannuation funds are collated and one Direct Debit is made from your Nominated Bank Account to PayClear.

PayClear direct debits the nominated bank account and arranges for SuperStream compliant messages and contribution payments to be delivered to the relevant superannuation funds.

SuperStream Compliance

SuperStream is the way businesses must pay employee superannuation guarantee contributions to super funds. With SuperStream, money and data are sent electronically in a standard format.

One of the benefits of MYOB Super Portal is that it has been designed to make you fully compliant with your SuperStream obligations.

A summary of those key benefits and compliance measures is set out in the table overleaf. In the following Table, “Service” refers to the services provided when MYOB Super Portal is used.


How the Service operates to support SuperStream

What you need to do

To be compliant with
SuperStream, alongside
electronic payment, an
electronic report detailing the contributions is required to be sent to the superannuation fund.

It is mandatory for you to
provide the minimum data for the employees (members) you are paying for.

The Service applies validations to ensure that a minimum data set is
captured. The Service will then take that data and present it to the fund in a
SuperStream compliant, electronic format.

By using the product, you will be providing the minimum data set and
the data will be sent to funds in the correct format.

However, superannuation funds may seek clarification from you around important conditional detail like the
MemberID and contact details of the employee (if they are inconsistent
with the details the fund holds).

To be SuperStream compliant, paying the superannuation fund
with a cheque is not an
acceptable payment method. All superannuation contributions are paid electronically through
the use of the product.

Your nominated bank account is direct
debited for the relevant amount to cover the contributions for the period.

The contributions are then paid electronically to the superannuation funds.

Ensure you provide the correct bank account details and you do have
sufficient money in your nominated bank account to pay for the contributions in a given period.

SuperStream compliant
messages and payments to funds are linked with the Payment Reference Number (PRN).

The product makes payment to the funds electronically. The Service
provides you with full visibility of data and the related payment being sent out to the funds. You will be able to view the Payment Reference Number, the amount and the date on which the
payment was made out to the fund.

Also, data and payment to the fund is reconciled before sent to the fund.

By using the Service correctly in accordance with instructions and user
guides, you will be SuperStream compliant.

MYOB Super Portal will store the Payment Reference Number and
related payment for ATO audit trail purposes.

MYOB Super Portal provides you with full visibility of data and the related payment being sent out to the Superannuation Funds.

SuperStream legislation requires employers (or their agents) to send data and payment to the
superannuation fund at the same time. This will allow the fund to reconcile and allocate the contribution to the employee (member) account.

The Service reconciles the SuperStream message and your related payment
before they are sent to the fund.

Familiarise yourself with the time frames in this PDS and so that sufficient time is allocated to the processing of the contributions to enable you to meet your Super Guarantee (SGA) obligations.

SuperStream legislation
stipulates that the employers must respond back to the fund within 10 days of the fund sending a query to the employer
in relation to the payment of superannuation contributions.

The Service provides an electronic error handling service to notify you of errors and other important superannuation fund notifications.

Despite the SuperStream validations and our best efforts, you may still be
contacted by the fund in relation to a query. In that case you will need to observe the 10-day response timeframe back to the fund.

Respond to fund within 10 days of a fund making an enquiry.

Risks of using the clearing house facility

Managing risks

There are a number of risks for employers in facilitating contributions to multiple superannuation funds.

All of these risks have implications for the timing of contributions and their subsequent allocation to the employee’s (member’s) superannuation fund account.

A significant risk is failing to provide sufficient time to meet Superannuation Guarantee obligations and other award and workplace obligations deadlines.

Using MYOB Super Portal, your Superannuation Guarantee obligations are only extinguished at the time the fund receives the money - not the date you (or the Clearing House Facility) transfer the payment.

To avoid a Superannuation Guarantee charge and associated penalties, employers must allow sufficient time to ensure the superannuation fund receives contributions by the 28th day of the month following each relevant quarter.

Risks and errors that can contribute to delays and a failure to meet your Superannuation Guarantee deadlines, as well as other relevant risks, and how they can be managed, are set out in the following Table.

In the following Table, “Service” refers to the services that are provided when MYOB Super Portal is used.

Getting started



How we help
mitigate the risk

What you need to do


Disclosing to your
employees that you are making
payments through
a Clearing House

You should disclose to your
employees that you are providing personal information so as to facilitate SuperStream
compliant payment of superannuation contributions to their superannuation account.

Our Privacy Policy can be accessed at or it can be provided to you. This sets out how personal information is treated.

When engaging a new employee, it is generally good business practice to let employees know you are using a Clearing
House to distribute the payments.


Unauthorised Access

Access by an unauthorised
party, including in
circumstances where the UserID and password have
been compromised, may lead to fraud, data corruption, defects in transmissions and viruses. You should ensure you
do not facilitate unauthorised access.

MYOB must be notified immediately if a Login or Password is lost or stolen
or if you suspect that another person knows or
has used your Login or Password.

During the MYOB
registration process, a customer will be required to set up all users and their access levels, including mobile numbers where 2 Factor Authentication is

Details of this process can
be found at:

Notify MYOB immediately in the event of any unauthorised access.

Structure user access so that each user has a level of access that matches their delegated authority and make sure you maintain user permissions as changes in personnel and their responsibilities occur.

In particular, make sure that users with
permission to submit contributions for payment, and to alter payment methods or account details are authorised by your
organisation to do so.

Employer mistakes



How we help
mitigate the risk

What you need to do


Insufficient money
held in your nominated financial institution account to effect a Direct Debit transaction

If there is not enough money in
your nominated bank account to enable a Direct Debit of the full payment, then the contribution will be cancelled and must be re-submitted
which may result in additional charges from PayClear, your bank and potentially a
Superannuation Guarantee charge if the subsequent
contributions do not meet the Superannuation Guarantee deadlines.

You will be notified via MYOB Super Portal in the
event of a payment
failure, on the same Banking Day that PayClear
becomes aware of the failed payment.

Ensure you have
sufficient money in your nominated bank account to cover the amount of the contribution,
otherwise a dishonour will occur.

With a Client Initiated Direct Debit process, you
also control the timing of the Direct Debit because it cannot occur until you
submit your payment instruction.

Stopping Payments:

In certain circumstances, you
may seek to stop an incorrect payment.

Once contribution information has been lodged with a matching payment, it cannot be cancelled or reversed unless
you notify MYOB in sufficient time for MYOB to notify
PayClear before the 4pm cutoff time Australian Eastern Standard Time (see the Terms and Conditions).

Once contributions have been sent to the fund, you bear the responsibility for any attempts
to recoup any wrongly sent
payment. Usually, the Fund trustee or administrator will
require the written consent of its member (i.e. your

MYOB can notify PayClear to lodge a stop payment
but this must be notified within the 4pm cut-off times specified in the Terms and Conditions set out later in this PDS.

It is imperative that if you wish to cancel or reverse a payment, you notify MYOB immediately, and
well before the 4pm cutoff time upon any business day, upon realising that an incorrect
contribution has been made, so payment can be

Employer (Employee) Risks



How we help
mitigate the risk

What you need to do

Incorrect Data:

It is your responsibility to
ensure information about your employee and the
contribution are complete and correct. If you provide inaccurate or incomplete information, this
may result in a
contribution being
rejected, delayed or even sent to the
wrong fund.

Incorrect data includes:

Use of an incorrect Unique Superannuation
Identification (USI)
Number or Australian
Business Number (ABN)

Incorrect member number

First name & surname not matching the fund’s

Incorrect date of birth

Invalid member Tax File Number

Wrong Bank details for a Self-Managed Superannuation Fund (SMSF)

Incorrect Electronic
Service Address (ESA) when paying to an SMSF

The Service provides:

Fund validation: Checks USIs and
ABNs are valid funds and are related where funds hold both forms of identification.

Employer Identification: Validation that
allows you to supply your Employer
number held by the fund, where you are registered with the fund.

Member Identification: Where particular
products have member Identification rules,
the product checks
member identification supplied against the rule.

When you are first
registering employees with their nominated super fund and the Service identifies an error (e.g. a super fund which cannot receive contributions), you will need to correct it.

When you are notified about an error, information about the error is displayed in your
MYOB product (e.g. incorrect product, incorrect member ID or you need to assign a Fund Employer Number). You may need to correct information in the Accounting Software and in your payroll data for lodgment of subsequent contributions.

When payments are successfully made to a superannuation fund but the fund subsequently refunds contributions (usually for members who have exited from the fund), you will need to determine the appropriate corrective action, which may result
in the need to re-submit contributions to either the Default Fund or an alternative choice fund.

Clearing House and Banking Risks



How we help
mitigate the risk

What you need to do

Clearing House or
Finance System

The Clearing House facility accesses the Bulk Electronic Clearing System (BECS) to
receive contributions and payments to funds. BECS coordinates and facilitates the exchange and settlement of bulk electronic transactions – in this case, for Direct Debits and Direct Credits between employers’ financial institution accounts, the PayClear Bank Account and fund accounts.

In rare instances, the Clearing House Facility or the Banking system may not be available.

Banks and PayClear
respectively have appropriate disaster recovery and business continuity plans to manage such events.

It is advisable to allow a few additional days to
ensure contributions are
received before the Superannuation Guarantee deadlines.

Receiving Fund Risks



How we help
mitigate the risk

What you need to do

Fund is unable to
accept contributions (e.g. closed and terminated funds)

Certain Funds such as pensions, eligible rollover funds, certain government funds and corporate funds (that do not operate retained
divisions) are closed to you and
may be unable to accept contributions.

In other circumstances, a fund may have been terminated or
declared non compliant by APRA or the ATO.

The Service provides a warning system to stop you from making payments that will not be accepted – and blocks payments to those funds.

You will need to check any applicable warnings in the MYOB product when first linking your employee to the chosen fund. In certain circumstances, you may be able to contribute to a blocked fund if you are an approved employer.

Otherwise, you will need to direct the contribution to an alternative choice fund selected by the employee, a stapled fund account or the employer default fund.

Rights and obligations

Your access to and use of MYOB Super Portal is governed by the Terms and Conditions (included later in this PDS), which represent an agreement between PayClear and you regarding use of MYOB Super Portal.

Privacy statement

Payclear collects, uses and discloses personal information in relation to an employer's employees in order to provide MYOB Super Portal and comply with regulatory requirements.

To the extent Payclear collects any personal information access to that personal information may also be disclosed to Payclear’s associates, related bodies corporate, agents and service providers, on the basis that they deal with such information in accordance with the Privacy Act.

For a copy of the relevant Super Choice Privacy Policy.

For a copy of the MYOB Privacy Policy.

Issues and Complaints

If you have any concerns relating to the operation of the clearing house facility provided by PayClear you should contact us by either:

  • emailing us at

  • writing to Complaints Manager, SuperChoice Services Pty Ltd, Level 8, 35 Clarence St, Sydney NSW 2000

  • telephoning 1300 659 456 between 9.00 am and 5.00 pm (NSW time)

Payclear has arrangements in place for handling complaints. If you contact us with a complaint, we will acknowledge your complaint promptly and will make every effort to resolve your issue within 30 days.

To assist in a speedy and confidential investigation of your complaint by a Complaints Officer, please ensure that you provide the following information:

  • Your contact details (including name, phone number and email)

  • Employer name and ABN

  • Employee’s Fund Name, ABN and Client Number

  • Details of the problem; and

  • The date when the problem occurred.

If your complaint remains unresolved after 30 days or has not been resolved to your satisfaction, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.



Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001


In this Product Disclosure Statement, the following terms have the meanings shown:

Act: Means the Corporations Act 2001 (Cth)

AFSL: Australian Financial Services Licence

APRA: Australian Prudential Regulatory Authority – the regulator of commercial funds

ASIC: Australian Securities and Investments Commission

AUD, A$ or $: Australian dollars

Australian Business Number (ABN): An ABN may be held by either an employer or the Super Fund and can be found on the Australian Business Register (ABR)

Business Day: Means a day which is not a Saturday, Sunday or public holiday in NSW or Victoria

Clearing House Facility (CHF): The non-cash payment facility

Client: The employer identified in the online Registration Process (as amended from time to time)

Client (Employer) Nominated Bank Account: The employer’s nominated bank account specified in the Registration Process or subsequent Bank Account details notified by the Client from time to time

Complying Superannuation Fund: A superannuation fund that is regulated by and complies with the Superannuation Industry (Supervision) Act 1993 (Cth) Contribution Any superannuation contribution payments made by an employer on behalf of its employees

Contribution Data: Data relating to the Employer, Employee and Super Fund which facilitates the Contribution

Direct Debit: Means, electronic payment by means of direct debit

AFCA: Australian Financial Complaints Authority

Loss: A loss, claim, action, damage, liability, cost, charge, expense, penalty, compensation, fine, outgoing or payment suffered, paid or incurred.

MYOB Super Portal: The ability to electronically process superannuation contributions (both data and payments) to your employees nominated super fund

MYOB: MYOB Australia Pty Limited (ABN 13 086 760 198)

MYOB Product: Means a current version of MYOB software specified for operation with MYOB Super Portal, including MYOB Business Pro, MYOB Business Account Right Plus and MYOB Business Premier.

PayClear: Payclear Services Pty Ltd (ABN 93 124 852 320)

Personal Information: As specified in the Privacy Act

Product Disclosure Statement: This document

Privacy Act: Means the Privacy Act 1998 (Cth) as amended

Registration (or Application): Means a registration (or Application) to use MYOB Super Portal

Registration (or Application) Process: The Registration or Application Process to set up MYOB Super Portal including agreeing to the PDS, FSG and Direct Debit Authority is available through the MYOB product and can be accessed directly from the Payroll navigation menu and selecting Super payments in a Customer’s MYOB Subscription

Self-managed Super Fund (SMSF): A Private Superannuation Fund usually established by families (associates) with a limit of six (6) members regulated by the Australian Taxation Office

Service: Means MYOB Super Portal

Software: Means the software provided by MYOB that incorporates Super Payments -

Terms and Conditions: Means the terms and conditions of use by the Client of MYOB
Super Portal, that form part of the online Registration Process containing this PDS.

Unique Superannuation Identifier (USI): Unique Superannuation Identifier (USI) is the Superannuation Fund identifier commonly associated with superannuation funds
regulated by APRA.

User: Any person authorised by the employer to access and use MYOB
Super Portal.

Terms & Conditions

The following Terms and Conditions apply if you choose to use the MYOB Super Portal.

These Terms and Conditions apply solely to the MYOB Super Portal and do not apply to other MYOB products or services.

Terms used in these Terms and Conditions are defined in the Glossary on pages 17 to 19 of this PDS.

1. Client representations and warranties

1.1. The Client represents and warrants to PayClear that:

(a) if it is a company, it is properly registered and validly exists;

(b) it has the authority and power to enter into this agreement and perform all of its obligations under this agreement; and

(c) it is not acting as trustee of any trust other than as disclosed in writing.

2. Availability and access

2.1. PayClear will, so far as reasonably possible, procure or maintain access to the Service 24 hours a day, 7 days a week, excepting for outages arising from scheduled or emergency maintenance and any other disruptions beyond PayClear’s reasonable control.

3. Client/User access

3.1. The Client must ensure that:

(a) all its Users are authorised and trained to access and to use MYOB Super Portal; and

(b) it and all its Users comply with the terms of this agreement.

4. System requirements

4.1. Access to and use of MYOB Super Portal by the Client requires a valid subscription to
access the applicable MYOB Product.

4.2. The Client must maintain up-to-date anti-virus and security measures on its systems
to prevent unauthorised access to the Software and use of MYOB Super Portal to avoid viruses affecting the operation of MYOB Super Portal.

4.3. The Client must use reasonable endeavours to ensure that its Users do not change, impair or damage the Software.

5. Security of the services

5.1. PayClear and their contractors and service providers will use a number of security measures to assist in securing access from the Software and use of MYOB Super Portal

a) firewalls; and

b) data encryption (employing 128-bit secure sockets Layer protocols).

5.2. Notwithstanding the above security measures, PayClear does not represent, warrant or guarantee that unauthorised access to the Software or use of MYOB Super Portal can be prevented in all instances.

5.3. If the Client becomes aware of a breach or potential breach of security relating to the access to the Software or the use of MYOB Super Portal the Client must notify MYOB as
soon as possible who will notify PayClear. The Client must take all steps available to stop the breach and to prevent the breach from recurring.

5.4. PayClear does not represent, warrant or guarantee that any data transmission over the
internet is secure or remains within Australia.

5.5. PayClear take no responsibility for any Loss to the Client arising from any unauthorised use of a Client’s User login and password.

6. Client’s obligations in order to use MYOB Super Portal

6.1. The Client must, in connection with the use of MYOB Super Portal:

(a) create a User with payroll administrator access in the relevant MYOB subscription to
access MYOB Super Portal via the Software;

(b) Create/change/update employer details as required (from time to time);

(c) maintain the payroll file and submit the Contribution Data;

(d) authorise and make relevant Contributions by Direct Debit;

(e) register any new employees, remove exiting employees and update employee information as required (from time to time);

(f) nominate employee superannuation fund selections;

(g) allocate and assign Contribution categories (e.g. Superannuation Guarantee, Salary Sacrifice) and amounts for each employee;

(h) confirm that a superannuation fund is a Complying Superannuation Fund under the Superannuation Industry Supervision Act 1993 (Cth);

(i) match the Unique Super Identifiers of the relevant superannuation funds to ensure that contributions are paid to the correct fund;

(j) if the relevant superannuation fund requires the Client to register before accepting Contributions, then register with the relevant fund;

(k) Manage applicable alternative superannuation fund selections where any fund is not eligible to receive Contributions.

7. Contribution services

7.1. The Client authorises payment of Contributions through MYOB Super Portal. If either the Contribution or the corresponding Contribution Data is not received by MYOB Super Portal or its contractor or service providers by 4pm (NSW time) on a Business Day, it is taken to be received on the next Business Day.

7.2. MYOB Super Portal:

(a) will identify superannuation funds which require the Client to register before they are able to accept member registration requests (MRR) and contribution transaction requests (CTR);

(b) will, based on the Contribution Data supplied by the Client, identify the superannuation fund to be paid, the total amount payable to the fund, the employees for whom the Contributions and Contribution categories are payable and the individual amounts;

(c) if the Contribution Data has been provided in full without any error (whether by defect or omission), then the Service will reconcile the Contribution Data and the Contribution by 4pm (NSW time) each Business Day;

(d) if the Contribution Data has not been provided in full, or if there is an error (whether by defect or omission), such that there is a mismatch between the Contribution Data and the Contribution, MYOB Super Portal will issue an automatic notification to the Client within 1 Business Day of it becoming aware of the error in an attempt to resolve the error and will procure the return of the Contribution and issue an automatic notification to you.;

(e) where there is a match between the Contribution Data and the Contribution, PayClear will disburse the Contribution payment to the account of each nominated superannuation fund, accompanied with the SuperStream compliant messages that set out the Contribution Data and any other information required to enable the fund to reconcile the Contributions and process the payment to the relevant member account;

(f) subject to full receipt of the matched and reconciled Contribution into the CHF Bank Account from the Client (and matching Contribution Data), PayClear will use reasonable
endeavours to arrange payment of the Contributions via the Clearing House Facility for payment to each nominated Super Fund within 3 Business Days.

8. Client Payment Obligations relating to Contributions through MYOB Super Portal

8.1. The Client must submit their Direct Debit, payment via the MYOB Product,

8.2. The Client must ensure that it has sufficient funds in the Client Nominated Bank Account to make its Contribution payments as and when they are authorised.

9. Delayed Contributions

9.1. Delayed Contributions may occur when:

(a) the Contribution Data and the Contribution are received on a day that is not a Business Day;

(b) the Contribution Data and the Contribution is received after the cut-off time being 4pm (NSW Time) on a Business Day;

(c) the Client has inadequate funds in the Client Nominated Bank Account;

(d) MYOB Super Portal is shut down or suspended for scheduled or emergency maintenance or due to other Disruptions;

(e) The Client provides incorrect Contribution data or does not act in accordance with user guidance and instructions provided.

PayClear is not responsible for any Loss or delay that the Client may incur as a result of the delays referred to in clause 9.1.

10. Clients responding to notifications about Unsuccessful and mistaken Contributions

10.1. The Contribution Data may not be promptly or successfully processed if there is an error in the Contribution Data supplied by the Client. In limited circumstances the Client
may be able to correct an error and re-submit Contribution Data if the Contribution Data has not been processed by the relevant superannuation fund.

10.2. The Client must notify MYOB well before the Cut Off Time being 4pm (NSW time)
on the same Business Day if it wishes to stop incorrect Contribution Data from being processed.

10.3. If a technical error prevents processing of the Contribution by the superannuation
fund, the Client will be notified via MYOB Super Portal that the file has been rejected. If the technical error cannot be resolved by MYOB or PayClear, the Client must then resolve the technical error directly with the superannuation fund.

10.4. If any Contribution is either not accepted or returned by the superannuation fund, and the problem cannot be resolved within 5 Business Days of receipt of the returned Contribution, PayClear will send it to the Client Nominated Bank Account and the Client will be notified via MYOB Super Portal of the returned Contribution. The Client must then resolve the issue directly with the superannuation fund and re-submit or redirect the Contribution.

10.5. If the Client receives notice that a Contribution has been dishonoured (e.g. because of insufficient cleared funds in the Client Nominated Bank Account), the Client bears all any costs (e.g. bank fees) in relation to the dishonour.

11. Data maintenance

11.1. Provided the Client maintains a valid software subscription with MYOB as a Customer, PayClear will

Maintain at least 7 years of historical Client Data online at any point in time; and use best
endeavours to ensure that MYOB enables Customers or former Customers who have
paid the subscription fees specified on MYOB’s website ( have access to the Client Data via the Software except during scheduled or emergency maintenance, or any other disruptions beyond PayClear’s reasonable control.

12. Personal Information

12.1. PayClear use of Personal Information provided by the Client is dealt with in
accordance with the privacy policy that may be accessed at

12.2. MYOB’s use of Personal Information is governed by its privacy policy that may be
accessed at

13. Production of Data

13.1. If required by any law or any judicial, regulatory, administrative or similar body (whether foreign or Australian), PayClear will produce reports and information, answer enquiries, attend court and meetings and deal with any similar requests, provided that, where permitted by law, MYOB notifies the Client prior to acting upon any such request. The Client must pay to PayClear at PayClear’s then current standard rates, its costs and expenses (including the costs of legal and other professional advice) which PayClear incurs.

14. Fees & charges

14.1. MYOB Super Portal is offered to certain MYOB Customers as part of their monthly
subscription fees for use of the MYOB Product. There are no direct transaction fees for using the Service other than what is described below

14.2. In connection with the provision of MYOB Super Portal, the Client may be obliged to pay fees, costs and charges as set out in the PDS. All applicable fees are quoted in Australian dollars (AUD).

14.3. Any of the fees, costs or charges disclosed in the PDS may be amended or varied (including introducing new fees and charges), provided the client is given at least 30 Days prior to the written notice of the amendment or variation.

14.4. If the fees, costs or charges disclosed in the PDS are not expressed to be GST inclusive, the amount is increased by an amount equal to the GST that would otherwise be payable.

14.5. The Client acknowledges it is responsible for any bank fees and charges it incurs in connection with any Contribution payments including any dishonoured Contribution payments (“Exception Fees”).

14.6. The Exception Fees for the Service are due and payable by the Client to PayClear within thirty (30) days of the issue date of the invoice with payment being made by one of the methods specified in the invoice.

15. GST

15.1. In order to satisfy the requirements of the Goods and Services Tax Act 1999 the parties each respectively warrant that they are registered for GST and will notify the other party if they cease to be registered.

16. Statutory liability

16.1. This clause does not exclude or limit the application of any provision of any statute (including the Consumer and Competition Act 2010 (Cth)) where to do so would contravene that statute; or cause any part of this clause or agreement to be void.

16.2. PayClear excludes all implied conditions and warranties except any implied condition or warranty the exclusion of which would contravene any statute or cause any part of this clause to be void (“Non-excludable Condition”).

16.3. PayClear’s sole liability to the Client for breach of any express provision of this agreement or any Non excludable Condition is limited, at PayClear’s option, to refunding the price of the goods or services in respect of which the breach occurred or to providing
those services again.

17. PayClear and Client liability

17.1. PayClear is not liable:

(a) for any Loss resulting from incomplete or inaccurate Contribution Data or nonmatching Contributions that directly lead to either delays or mistaken and unsuccessful transactions; or

(b) for any Loss of Contributions or any interception of Client Data or Personal Information through any unauthorised access to the Software or use of MYOB Super Portal except to the extent PayClear has directly caused or contributed to such Loss by any negligent or willful act on the part of its employees or contractors.

17.2. The Client indemnifies PayClear against any Loss which PayClear may suffer or incur arising from Client’s or its User’s failure to observe any obligations under this agreement or arising from the Client or its User acting negligently or fraudulently when accessing the MYOB Online Accounting Software and using MYOB Super Portal.

17.3. To the fullest extent permitted by law, PayClear will not be liable for any loss or damage that is not a natural and reasonably foreseeable consequence of the breach (including without limitation, loss of profits or loss of revenue).

17.4. PayClear’s total liability to the Client for any Loss for which it may be liable in
connection with the provision of the Clearing House Facility or the Service is limited to $2

18. Termination

18.1. Either PayClear or the Client may terminate the Service by giving the other at least 20 Business Days prior written notice (including by email).

18.2. PayClear may suspend the Service whilst the Client is in default of any of its obligations under these Terms and Conditions including, without limitation, payment of any fees or charges.

18.3. The provisions of clauses 1, 5.4, 5.5, 9.1, 11, 12, 13, 16, 17, 18, 19.3, 19.4, 19.6, 20 and 21 will survive any termination of the Service.

19. General Provisions

19.1. PayClear may, by giving the Client at least 20 Business Days prior written notice, vary or amend these Terms and Conditions.

19.2. The Service will be available to the Client on the date MYOB notifies the Client of
the acceptance of the completed Registration.

19.3. These Terms and Conditions and the Product Disclosure Statement constitute the entire agreement between the parties in respect of MYOB Super Portal and the Service.

19.4. PayClear may engage agents or subcontractors to assist it in the provision of the Service but PayClear remains responsible for all acts or omissions of such agents or subcontractors in the provision of the Service.

19.5. The Client may not assign or transfer its right to access the Service without the prior
written consent of PayClear. PayClear may assign or transfer any of its rights or obligations regarding the Service to another party upon giving the Client at least 20 Business Days prior written notice.

19.6. These Terms and Conditions are governed by the laws in force in New South Wales, the courts of which shall have nonexclusive jurisdiction to determine all matters arising from the agreement and its performance.

20. Force Majeure

20.1. ‘Force Majeure’ means an event beyond the reasonable control of a party, including, without limitation, an act of war (whether declared or not) or terrorism, the mobilisation of armed forces, civil commotion or riot, natural disaster, epidemics, industrial action or labour disturbance, currency restriction, embargo, action or inaction by a government agency, a failure of a supplier, public utility or common carrier, or computer disruption due to the effect of a virus or other malicious code introduced other than through the acts or omissions of the party seeking relief.

20.2. To the extent that a party’s delay or inability to perform any obligation is due to the existence and its notification of Force Majeure, the affected obligations of that party will be suspended until the passing of that Force Majeure event. A party must take all reasonable steps to minimise any disruption to and resume the performance of its affected obligations.

20.3. If substantially all of a party’s obligations are suspended by a Force Majeure event by more than 21 Business Days, either party may elect to terminate the Service without penalty.

21. Severability

21.1. If a provision in these Terms and Conditions is held to be illegal, invalid, void, voidable or unenforceable, that provision must, if possible without affecting the intent of the provision, be read down to the extent necessary to ensure that it is not illegal, invalid, void, voidable or unenforceable.

21.2. If it is not possible to read down a provision as required in this clause, that provision is severable without affecting the validity or enforceability of the remaining part of that provision or the other provisions in these Terms and Conditions.

PayClear Direct Debit - Client Service Agreement

PayClear’s commitment to you,

Drawing arrangements:

PayClear will draw the exact amount that you authorise via the Service.

If the payment is authorised before 4pm (NSW time) on a given business day the payment will be drawn from your account on that day.

If a payment is authorised after 4pm or on a non-business day the payment will be drawn on the next business day.

We will not change any details of drawing arrangements without giving you at least fourteen (14) days written notice.

We reserve the right to cancel the PayClear direct debit client service arrangement if two or more drawings are returned unpaid by your nominated Financial Institution and to arrange with you an alternate payment method.

We will keep all information pertaining to your nominated account at the Financial Institution, private and confidential.

Your rights:

You may terminate the PayClear direct debit client service arrangement at any time by giving written notice directly to us, or through your nominated Financial Institution.

Notice is given to PayClear, by contacting MYOB at least 14 business days prior to your next payment by emailing

You may stop payment of a drawing under the PayClear direct debit client service arrangement by giving written notice directly to us, or through your nominated Financial Institution. Notice given to PayClear should be received by us at least 5 business days prior to the due date.

You may request a change to the drawing amount and/or frequency of the PayClear direct debit client service arrangement drawings by contacting us and advising your requirements no less than 5 business days prior to the due date.

Where you consider that a drawing has been initiated incorrectly (outside the PayClear direct debit client service arrangement) you may take the matter up directly with us, or lodge a Direct Debit Claim through your nominated Financial Institution.

Your responsibilities:

Your commitment to us,

It is your responsibility to ensure that sufficient funds are available in the nominated account to meet a drawing on its due date.

It is your responsibility to ensure that the authorisation given to draw on the nominated account is identical to the account signing instruction held by the Financial Institution where the account is based.

It is your responsibility to advise us if the account nominated by you to receive the PayClear direct debit client service arrangement is transferred or closed.

It is your responsibility to arrange with us a suitable alternate payment method if wish to cancel the PayClear direct debit client service arrangement.