AUSTRALIAN PAYROLL & ATO COMPLIANCE, AUTOMATED
The ATO doesn't warn you before the fine. We do
AusPayGuard alerts you before a missed super payment, BAS deadline, or ATO penalty costs you thousands. Built for Xero and MYOB.
AUSTRALIAN PAYROLL & ATO COMPLIANCE, AUTOMATED
The ATO doesn't warn you before the fine. We do
AusPayGuard alerts you before a missed super payment, BAS deadline, or ATO penalty costs you thousands. Built for Xero and MYOB.
WHY AUSTRALIAN BUSINESSES GET FINED
Most ATO penalties aren't bad luck. They're missed deadlines.
“Finance is stuck in the past. Vectura gives teams real-time clarity, built-in structure, and smarter control.”
The ATO doesn't send warnings. It sends bills. From 1 July 2026, super must be paid the same day as wages — miss it by one day and the Super Guarantee Charge applies, with no grace period and no tax deduction. And super is just one of seven ATO deadlines that can blindside you in any quarter. AusPayGuard watches every one of them, every morning, so a missed deadline never becomes a missed payment.
“Finance is stuck in the past. Vectura gives teams real-time clarity, built-in structure, and smarter control.”
Average SGC penalty per quarter
Average SGC penalty per quarter
Average SGC penalty per quarter
Australian SMEs affected
Australian SMEs affected
Australian SMEs affected
Of SGC penalties are tax deductible
Of SGC penalties are tax deductible
Of SGC penalties are tax deductible
Built for the tools you already use. Powered by infrastructure you can trust.
AusPayGuard connects to your accounting software and your bank through government-regulated APIs. Read-only access. We never see your login. We never move your money. Ever.
✓ CDR-regulated · ✓ Read-only access · ✓ Bank-grade encryption · ✓ Audit-logged
Connects securely with all major Australian banks via the Consumer Data Right (CDR)
Quiet when you're fine. Loud when you're not.
AusPayGuard runs automatically every morning. Checks your payroll, your bank balance, and every ATO deadline. No dashboards. No logins. You only hear from us when something needs you.
Daily super & bank check
Full ATO deadline calendar
Your bookkeeper, in the loop
Expense tracking
Lunch with team
Meals
Approved
$ 179.99
Flight to Berlin
Travel
Flagged
Approved
$ 849.99
Zoom subscription
Software
Approved
$ 129.99
Dinner w/ client
Meals
Pending
$ 219.99
Office furniture
Office
Approved
$ 2499.99
1 flagged transaction
Resolve
Export
Expense tracking
Lunch with team
Meals
Approved
$ 179.99
Flight to Berlin
Travel
Flagged
Approved
$ 849.99
Zoom subscription
Software
Approved
$ 129.99
Dinner w/ client
Meals
Pending
$ 219.99
Office furniture
Office
Approved
$ 2499.99
1 flagged transaction
Resolve
Export
Expense tracking
Lunch with team
Meals
Approved
$ 179.99
Flight to Berlin
Travel
Flagged
Approved
$ 849.99
Zoom subscription
Software
Approved
$ 129.99
Dinner w/ client
Meals
Pending
$ 219.99
Office furniture
Office
Approved
$ 2499.99
1 flagged transaction
Resolve
Export
At 7am every morning we check your payroll against your live bank balance. Short before payday? You'll know hours before the ATO would. Clear? An all-clear lands in your inbox. The smoke detector model — silent when you're fine, loud when you're not.
Budget oversight
Marketing
$43,789 / $49,700
87%
Design
$24,713 / $38,300
64%
Sales
$11,244 / $29,800
38%
Finance
$42,700 /
$
5
4
3
2
4
,
3
2
1
0
00
9
8
6
5
4
3
%
HR
$13,300 / $20,900
63%
Ops
$16,870 / $31,100
54%
Edit budget
Spend breakdown
Set alerts
Duplicate
Archive
Edit budget for Finance department?
The current monthly budget is $44,300.
Please enter
the new amount.
0.00
Cancel
Confirm
Budget oversight
Marketing
$43,789 / $49,700
87%
Design
$24,713 / $38,300
64%
Sales
$11,244 / $29,800
38%
Finance
$42,700 /
$
5
4
3
2
4
,
3
2
1
0
00
9
8
6
5
4
3
%
HR
$13,300 / $20,900
63%
Ops
$16,870 / $31,100
54%
Edit budget
Spend breakdown
Set alerts
Duplicate
Archive
Edit budget for Finance department?
The current monthly budget is $44,300.
Please enter
the new amount.
0.00
Cancel
Confirm
Budget oversight
Marketing
$43,789 / $49,700
87%
Design
$24,713 / $38,300
64%
Sales
$11,244 / $29,800
38%
Finance
$42,700 /
$
5
4
3
2
4
,
3
2
1
0
00
9
8
6
5
4
3
%
HR
$13,300 / $20,900
63%
Ops
$16,870 / $31,100
54%
Edit budget
Spend breakdown
Set alerts
Duplicate
Archive
Edit budget for Finance department?
The current monthly budget is $44,300.
Please enter
the new amount.
0.00
Cancel
Confirm
Super is just the start. AusPayGuard watches BAS, PAYG, TPAR, STP finalisation, FBT and your ASIC annual review — every quarter, every year. You get a reminder 14 days before each one. The ATO doesn't warn you. We do.
Your reports
Spend patterns
Burn rate report - Q2
July 18, 2025
Spend categorization
Category Breakdown - June 2025
July 3, 2025
Generate report
Downloading report
Download complete!
Your reports
Spend patterns
Burn rate report - Q2
July 18, 2025
Spend categorization
Category Breakdown - June 2025
July 3, 2025
Generate report
Downloading report
Download complete!
Your reports
Spend patterns
Burn rate report - Q2
July 18, 2025
Spend categorization
Category Breakdown - June 2025
July 3, 2025
Generate report
Downloading report
Download complete!
Your bookkeeper or accountant is CC'd on every alert. Every Monday they get a clean digest of every client — action needed, watch this week, all clear. No phone tag. No surprises. Just oversight, done for them.
One watchdog. Three problems solved.
You're running a business, not a compliance calendar. One missed super payment from 1 July costs you $9,240 — and it's not even tax deductible. AusPayGuard watches it so you don't have to.
For Business Owners
Get alerted before the ATO does. No dashboards. No logins. Just protection that runs in the background — built for Xero and MYOB.
You're running a business, not a compliance calendar. One missed super payment from 1 July costs you $9,240 — and it's not even tax deductible. AusPayGuard watches it so you don't have to.
For Business Owners
You're running a business, not a compliance calendar. One missed super payment from 1 July costs you $9,240 — and it's not even tax deductible. AusPayGuard watches it so you don't have to.
For Business Owners
Your clients think you're watching their super. Are you? AusPayGuard makes it true — automated alerts, Monday digest, full audit trail. Plus 20% lifetime commission on every client you refer.
For Bookkeepers
Automate compliance monitoring across every client. Get a clean Monday digest. Earn 20% lifetime commission on every referral.
Your clients think you're watching their super. Are you? AusPayGuard makes it true — automated alerts, Monday digest, full audit trail. Plus 20% lifetime commission on every client you refer.
For Bookkeepers
Your clients think you're watching their super. Are you? AusPayGuard makes it true — automated alerts, Monday digest, full audit trail. Plus 20% lifetime commission on every client you refer.
For Bookkeepers
When the ATO asks why super was late, "I didn't know" isn't an answer. Every check AusPayGuard runs is timestamped and logged. Your paper trail exists before you need it.
For Accountants
Full audit trail on every client. Every check timestamped, every alert logged. Ready before the ATO ever asks.
When the ATO asks why super was late, "I didn't know" isn't an answer. Every check AusPayGuard runs is timestamped and logged. Your paper trail exists before you need it.
For Accountants
When the ATO asks why super was late, "I didn't know" isn't an answer. Every check AusPayGuard runs is timestamped and logged. Your paper trail exists before you need it.
For Accountants
$3.20 a day. Or $9,240 to the ATO.
AusPayGuard starts at $97 a month. The maths aren't complicated. The decision is.
AusPayGuard starts at $97 a month. The maths aren't complicated. The decision is.
Live before your next payrun
Connect Xero or MYOB, link your bank via Basiq, and you're protected. Most clients are fully set up within 24 hours.
Live before your next payrun
Connect Xero or MYOB, link your bank via Basiq, and you're protected. Most clients are fully set up within 24 hours.
Live before your next payrun
Connect Xero or MYOB, link your bank via Basiq, and you're protected. Most clients are fully set up within 24 hours.
No new software to learn
AusPayGuard runs in the background automatically. No dashboard. No logins. No new password to forget. You only hear from us when something needs you.
No new software to learn
AusPayGuard runs in the background automatically. No dashboard. No logins. No new password to forget. You only hear from us when something needs you.
No new software to learn
AusPayGuard runs in the background automatically. No dashboard. No logins. No new password to forget. You only hear from us when something needs you.
Australian-owned and operated
Built in Melbourne for Australian businesses. Real founder, real ABN, real Aussie compliance — not a US fintech translated for our market.
Australian-owned and operated
Built in Melbourne for Australian businesses. Real founder, real ABN, real Aussie compliance — not a US fintech translated for our market.
Australian-owned and operated
Built in Melbourne for Australian businesses. Real founder, real ABN, real Aussie compliance — not a US fintech translated for our market.
Grows with your business
One entity or three. One bank account or unlimited. Guard, Shield or Vault. Upgrade anytime — your founding member price stays locked for life.
Grows with your business
One entity or three. One bank account or unlimited. Guard, Shield or Vault. Upgrade anytime — your founding member price stays locked for life.
Grows with your business
One entity or three. One bank account or unlimited. Guard, Shield or Vault. Upgrade anytime — your founding member price stays locked for life.
Protect your business in 24 hours.
Founding member pricing is locked for the first 50 clients — and stays locked for life. Connect Xero or MYOB, link your bank, and you're live before your next payrun.
Protected within 24 hours
Two connections. Five minutes each. Live before your next payday.
Founding member price — locked for life
Lock in current rates as one of our first 50 founding members. Your monthly price never increases. Ever.
No lock-in contracts · Cancel anytime · Live within 24 hours
Common questions, straight answers.
The six things every Australian SME asks before signing up — answered in plain English.
Or Call:
Or Call:
No. Xero and MYOB process payroll — they calculate what you owe. They never look at your bank balance to check whether you can actually pay it. AusPayGuard sits on top of your accounting software and watches the gap between the two. That gap is where ATO penalties live.
Never. AusPayGuard connects to your bank through Australia's Consumer Data Right framework — the same government-regulated system used by every major Australian fintech. We get a read-only balance feed. We can never see your password. We can never move your money.
No. AusPayGuard works like a smoke detector. Silent when everything's fine. Loud when it's not. The only daily message is a quick all-clear after each successful payrun. Shortfall alerts only fire when there's a real problem.
No. AusPayGuard is a compliance monitoring service, not a financial adviser, accountant, or registered tax agent. We surface your own data — your payroll figure from Xero or MYOB, your balance from your bank — so you can act on it. Always confirm decisions with your accountant.
Most clients are fully live within 24 hours. Two connections — your accounting software and your bank — both take five minutes. Once they're connected, your first 7am check runs the next morning automatically.
No lock-in contracts. Cancel from your account anytime and monitoring stops at the end of your current billing period. The setup fee covers initial configuration and isn't refunded after we go live, but monthly fees never have a cancellation penalty.
No. Xero and MYOB process payroll — they calculate what you owe. They never look at your bank balance to check whether you can actually pay it. AusPayGuard sits on top of your accounting software and watches the gap between the two. That gap is where ATO penalties live.
Never. AusPayGuard connects to your bank through Australia's Consumer Data Right framework — the same government-regulated system used by every major Australian fintech. We get a read-only balance feed. We can never see your password. We can never move your money.
No. AusPayGuard works like a smoke detector. Silent when everything's fine. Loud when it's not. The only daily message is a quick all-clear after each successful payrun. Shortfall alerts only fire when there's a real problem.
No. AusPayGuard is a compliance monitoring service, not a financial adviser, accountant, or registered tax agent. We surface your own data — your payroll figure from Xero or MYOB, your balance from your bank — so you can act on it. Always confirm decisions with your accountant.
Most clients are fully live within 24 hours. Two connections — your accounting software and your bank — both take five minutes. Once they're connected, your first 7am check runs the next morning automatically.
No lock-in contracts. Cancel from your account anytime and monitoring stops at the end of your current billing period. The setup fee covers initial configuration and isn't refunded after we go live, but monthly fees never have a cancellation penalty.
No. Xero and MYOB process payroll — they calculate what you owe. They never look at your bank balance to check whether you can actually pay it. AusPayGuard sits on top of your accounting software and watches the gap between the two. That gap is where ATO penalties live.
Never. AusPayGuard connects to your bank through Australia's Consumer Data Right framework — the same government-regulated system used by every major Australian fintech. We get a read-only balance feed. We can never see your password. We can never move your money.
No. AusPayGuard works like a smoke detector. Silent when everything's fine. Loud when it's not. The only daily message is a quick all-clear after each successful payrun. Shortfall alerts only fire when there's a real problem.
No. AusPayGuard is a compliance monitoring service, not a financial adviser, accountant, or registered tax agent. We surface your own data — your payroll figure from Xero or MYOB, your balance from your bank — so you can act on it. Always confirm decisions with your accountant.
Most clients are fully live within 24 hours. Two connections — your accounting software and your bank — both take five minutes. Once they're connected, your first 7am check runs the next morning automatically.
No lock-in contracts. Cancel from your account anytime and monitoring stops at the end of your current billing period. The setup fee covers initial configuration and isn't refunded after we go live, but monthly fees never have a cancellation penalty.