The payment process

Once you apply for salary packaging and choose which items you’d like to package, we open an account for you and calculate how much you need to pay.

What happens next?

We’ll tell your employer to set aside this amount from your pay before it gets taxed – known as pre-tax dollars. This happens every pay cycle, meaning, every time you get paid.  

The amount of pre-tax dollars set aside will depend on the items you package  at any given time.

Your employer deposits the money set aside from your pre-tax dollars into your SmartSalary account, and then pays the rest of your salary into your bank account in the usual way.

As soon as the money arrives in your SmartSalary account, we make the payments for the items you’ve chosen.

Depending on what you package, some of these payments may go straight back to you, such as a laptop repayment. Others may be to a third party on your behalf, such as your superannuation provider.