Australia Payday Super

Australia Payday Super — connector documentation

• MCP endpoint: https://au-payday-super.connectorbay.com/mcp
• REST API: POST https://au-payday-super.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://au-payday-super.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
• Health: https://au-payday-super.connectorbay.com/health · Tool schemas: https://au-payday-super.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/au-payday-super · agent@connectorbay.com

What Australia Payday Super is for

Australia Payday Super answers the three questions an owner's payroll agent asks every pay run. super_due_date gives the last day the employee's fund must have received the contribution: 7 business days after payday, or 20 business days for a first contribution to a new employee or fund, with the ATO's business-day definition (any day that is not a weekend or a public holiday for the whole of any state or territory) applied to the holiday dates you pass in. upcoming_super_deadlines lists every deadline in the next N days from a payroll calendar. calc_sg_qualifying_earnings works out 12% of qualifying earnings for one pay run. estimate_sgc_exposure estimates the super guarantee charge if a payment is missed: the shortfall, daily-compounding interest at the ATO's general interest charge rate, the administrative uplift with its published reductions, the choice loading and the late payment penalty. payday_super_rules returns the underlying rules with their ATO wording, dates and verification level. Every rule carries its source page, as_of date and effective date; the tools state what the ATO says, never what an employer should do. It is independent and not affiliated with the Australian Taxation Office.

Ask your assistant things like:

• "We pay staff every Thursday: when does the super for the 10 December 2026 pay run have to be in their funds?"
• "Which super deadlines fall in the next 14 days for our fortnightly payroll starting 3 July 2026?"
• "How much super at 12% do I owe on $3,000 of wages plus $200 salary sacrificed this pay run?"
• "What could a missed super payment of $1,000 for the 14 August 2026 payday cost if the ATO assesses us on 15 December 2026?"
• "A new hire started this week: how long do we have for their first super contribution, and what counts as a business day?"
• "Is the small business clearing house still available, and what does the ATO say about interest on late super?"

What it does

• super_due_date: Last day an employee's super fund must have received the contribution for a payday under Payday Super (7 business days after payday, 20 for first contributions), with the ATO business-day rule applied.
• upcoming_super_deadlines: Every super deadline falling in the next N days for a payroll calendar (explicit pay dates, or a start date plus weekly, fortnightly or four-weekly frequency).
• calc_sg_qualifying_earnings: Super guarantee at 12% of the qualifying earnings you enter for one pay run (ordinary time earnings, salary sacrifice contributions and other amounts).
• estimate_sgc_exposure: Estimate of the super guarantee charge for one late payday: shortfall, daily-compounding interest at the ATO general interest charge rate, administrative uplift, choice loading and the late payment penalty.
• payday_super_rules: The Payday Super rules as published by the ATO with wording, effective dates, status and verification level: deadlines, business days, exceptions, earnings base, super guarantee charge, interest rates, clearing house closure.

Data sources

• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/payday-super/about-payday-super
• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-on-payday/payment-deadlines-for-payday-super
• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/missed-or-late-payday-super-payments/what-happens-if-you-dont-pay-super-correctly
• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/missed-or-late-payday-super-payments/what-happens-if-you-dont-pay-super-correctly/what-happens-if-you-dont-pay-the-super-guarantee-charge
• https://www.ato.gov.au/tax-rates-and-codes/general-interest-charge-rates
• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-much-super-to-pay

Reference data from official sources (ato.gov.au); every answer states its source, date and validity period.

What it is not

Australia Payday Super is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Names of rails, schemes and standards are used only to say what a tool works with. It is read-only: it never sends, pays, files or signs anything for you, and it never looks up private individuals.

Not advice. General information only, not legal, tax, accounting or payment advice. Australia Payday Super is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.

Built for: Australia. Languages: English.

Tools

Calculate

estimate_sgc_exposure — Estimate of the super guarantee charge for one late payday: shortfall, daily-compounding interest at the ATO general interest charge rate, administrative uplift, choice loading and the late payment penalty. Use for "If we miss the super for the 14 August 2026 payday and are assessed on 15 December 2026, what could the charge be?". Args: unpaid_super_amount, qe_day, assessment_date, gic_annual_rate_percent, no_ato_assessment_in_prior_2_years, voluntary_disclosure_reduction_points, choice_loading_contribution_value, choice_notice_periods, previous_same_penalty_within_24_months, public_holidays.

Reference & guides

super_due_date — Last day an employee's super fund must have received the contribution for a payday under Payday Super: 7 business days after payday, 20 for first contributions, with the ATO business-day rule applied. Use for "Staff are paid on Thursday 10 December 2026: by what date must the super be in their funds?". Args: pay_date, situation, next_regular_pay_date, determination_date, public_holidays, on_date.

upcoming_super_deadlines — Every standard 7-business-day super deadline falling in the next N days for a payroll calendar. Use for "Which super payments fall due in the next two weeks for my fortnightly payroll?". Args: pay_dates, first_pay_date, frequency, days, public_holidays, on_date.

calc_sg_qualifying_earnings — Super guarantee at 12% of the qualifying earnings you enter for one pay run (ordinary time earnings, salary sacrifice contributions and other amounts). Use for "What is the 12% super on $3,000 of ordinary time earnings plus $200 salary sacrificed?". Args: ordinary_time_earnings, salary_sacrifice_contributions, other_qualifying_amounts, earnings_cap, pay_date.

payday_super_rules — The Payday Super rules as published by the ATO with wording, effective dates, status and verification level. Use for "What are the Payday Super rules and when did the small business clearing house close?". Args: topic, on_date.

Conventions

• Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
• Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
• Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/au-payday-super/support

Australia Payday Super — Privacy Policy

Effective 29 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Australia Payday Super is. Australia Payday Super is a connector (an MCP server and REST API) that AI assistants call on your behalf: When super guarantee must reach each employee's fund under Payday Super (7 business days after payday), 12% on qualifying earnings, and what a late payment can cost. General information only. You talk to your assistant; the assistant sends us only the arguments needed for that one request.

What we receive. The arguments of each tool call, the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Nothing is stored. Every tool is a local calculation or a lookup against bundled reference data; no request is forwarded to any third party. Arguments are used for that one response and are not logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, contacts or account credentials, and we build no profile: each request is answered independently. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting access logs (IP addresses and request paths, not request bodies) are kept for up to 30 days for security and abuse prevention.

Sub-processors. None. Hosting: Vercel (United States regions).

Your rights. Because we store no personal data beyond short-lived logs, requests to access, correct or delete data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information.

Children. Australia Payday Super is a general-audience service operated by the adult using the assistant.

Changes. We will post changes here with a new effective date.

Australia Payday Super — Terms of Service

Effective 29 September 2026. These terms govern use of the Australia Payday Super connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Australia Payday Super provides: When super guarantee must reach each employee's fund under Payday Super (7 business days after payday), 12% on qualifying earnings, and what a late payment can cost. General information only. It is accessed through an AI assistant or directly over MCP or HTTP, and is read-only.
2. General information, not professional advice. Output is general information and a drafting aid. It is not legal, tax, accounting, financial or payment advice, and it is not a filing or a payment instruction. General information only, not legal, tax, accounting or payment advice. Australia Payday Super is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.
3. Independent. Australia Payday Super is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Official names are used only to describe what a tool works with.
4. Sources and dates. Reference values state their source, date and validity period. Rules change: check the cited official source before you rely on a result.
5. Acceptable use. Automated use within the published rate limits is welcome. Do not use the Service to look up private individuals or to circumvent any authority's controls.
6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
7. Data. Our Privacy Policy describes what we process. In short: your input is answered on our server and nothing is stored.
8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
10. Governing law. California law; venue in San Mateo County, California.
11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/au-payday-super

Australia Payday Super support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://au-payday-super.connectorbay.com/mcp
• REST API: https://au-payday-super.connectorbay.com/openapi.json
• Live status: https://au-payday-super.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Australia Payday Super never asks for them.