Resource guide
Submitted vs landed: what SMEs can actually know
A payroll system showing “paid” is not always the same as a fund receiving money within the seven-business-day window. This guide is practical guidance only, not tax or legal advice.
Why the gap matters in 2026
Payday Super turns contribution timing into a weekly operational concern. If a file is rejected, a USI is wrong, or a payment fails, you don’t want to discover it after the window closes—or during an adviser conversation.
What you can record today (even without integrations)
- Submitted: the payroll file/payment instruction was created and sent.
- Pending: you don’t yet have confirmation of receipt.
- Landed: you have a receipt signal (clearing house/fund/bank) you’re willing to rely on.
- Rejected: the instruction failed (and you’ve logged why).
A simple internal control
Pick one “source of comfort” for landed status (clearing house receipt, bank confirmation, gateway status), define who can update it, and export a weekly summary so finance and payroll share the same picture.
Next steps
Use the July squeeze calculator to plan the buffer, then export an evidence PDF for internal review.