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About Us : who we are

Payment Adviser is a privately owned company based in Sydney Australia. It was established in 2008 to market integrated electronic payment remittance models for the business and government sectors.

The process of bringing integrated electronic payment remittance models to market began in 2004 from concept stage, through research and development to launch phase in late 2008.

In 2010 remittance exchange models were applied to distinct market verticals in Australia: For superannuation (pension) payments, payroll and other deductions, benefit payments and general payables (

Integrated electronic payment remittance models are available for all known payment systems and infrastructures including credit, debit and prepaid cards.

Patents have been granted in South Africa and New Zealand and patent approval is imminent in key markets including, the U.S.A., Canada, North Asia, China, Japan and Europe.

Payment Adviser is ASAE3402 Type 1 and 2 Certified.


Payment Adviser’s unique remittance referencing and linking payment model was introduced in 2009 to transition traditional cheque and paper-based payment processes for Australia’s AUD$1.4 trillion superannuation (pension) industry to electronic commerce.

In 2009, payment of monthly compulsory superannuation (pension) payments from employers to individual employee member accounts before investment was taking an average of 21 working days.

Respected actuaries Rice Warner Actuaries, headquartered in Sydney Australia, were asked to review the ClickSuper model and estimated at the time that:

  • The model would automate payment processing for employers and reduce time to account allocation and investment for employee fund members to less than 5 working days.
  • The model would reduce superannuation industry fund administration costs by AUD$4.6 billion over ten years if automatic contribution processing based on the model were introduced.

The Australian Federal Government is about to introduce legislation that mandates the use of electronic contribution payments and fund rollovers, modeled on electronic remittance data exchange, to more than 450 superannuation funds