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        <a class="WebWorks_Breadcrumb_Link" href="ch_overview.35.2.htm#1199474">M-Powered Superannuation</a> &gt; What is M-Powered Superannuation? </div>
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        <div class="hs_SectionHeading"><a name="1199474">What is M-Powered Superannuation? </a></div>
        <div class="b_Body"><a name="1193807">M-Powered Superannuation works with your MYOB software to:</a></div>
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                <div class="bb_Bulleted_inner"><a name="1198944">calculate superannuation payments</a></div>
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                <div class="bb_Bulleted_inner"><a name="1198952">send corresponding instructions to your bank</a></div>
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                <div class="bb_Bulleted_inner"><a name="1198953">send contribution details to the superannuation funds who will receive the payments.</a></div>
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        <div class="hp_ProcedureHeading" onclick="WebWorks_ToggleDIV(WebWorksRootPath, &quot;wwdd1192905&quot;);">
          <span class="N_007eProcBullet"></span><a name="1192905">How M-Powered Superannuation benefits you </a><script type="text/javascript" language="JavaScript1.2">WebWorks_WriteArrow(WebWorksRootPath, "wwdd1192905", false);</script></div>
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                <div class="bb_Bulleted_inner"><span class="ei_EmphasisItalic" style="font-weight: bold;"><a name="1192209">Wide coverage:</a></span> You can send superannuation contributions to any superannuation fund nominated by your employees, except self-managed superannuation funds (see <span class="l_Link"><a href="ch_using.37.9.htm#1285457">Self-managed superannuation funds</a></span>).</div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1194008">Saves time and effort:</a></span> M-Powered Superannuation reduces the time and effort it takes you to calculate and pay superannuation contributions.</div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1194394">No more manual summing:</a></span> Previously, you needed to manually sum up superannuation contributions for each employee and each superannuation fund. Now, all superannuation contribution amounts are summed automatically in a straightforward and convenient process.</div>
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                <div class="bb_Bulleted_inner"><span class="ebi_EmphasisBoldItalic"><a name="1194086">No forms to fill out and post: </a></span>All the required information is sent automatically with your electronic payment. There’s no need to fill out and post remittances separately.</div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1194055">Saves on postage and cheque fees:</a></span> By paying electronically, you save on postage and cheque fees.</div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1195092">Only authorised payments are accepted:</a></span> Each superannuation payment must be approved by persons (one or two) whom you nominated to approve your payments (<span class="ei_EmphasisItalic">M-Powered </span><span class="ei_EmphasisItalic">authorisers)</span> and who are signatories on your business bank account. Having authorisers eliminates the risk of fraudulent payments being made from your account. </div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1194300">Payment confirmation: </a></span>Payment receipt numbers are issued for all transactions made using the service. This means that you keep track of your superannuation payments.</div>
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                <div class="bb_Bulleted_inner"><span style="font-style: italic; font-weight: bold;"><a name="1194480">Better reporting: </a></span>From your MYOB software you get reports on all superannuation contribution types, for all funds and for all employees. Previously, you had to generate separate reports for each superannuation contribution type.</div>
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        <div class="hp_ProcedureHeading" onclick="WebWorks_ToggleDIV(WebWorksRootPath, &quot;wwdd1194516&quot;);">
          <span class="N_007eProcBullet"></span><a name="1194516">How M-Powered Superannuation works</a><script type="text/javascript" language="JavaScript1.2">WebWorks_WriteArrow(WebWorksRootPath, "wwdd1194516", false);</script></div>
        <script type="text/javascript" language="JavaScript1.2">WebWorks_WriteDIVOpen("wwdd1194516", false);</script>
        <div class="b_Body"><a name="1198241">The following diagram shows how MYOB M</a>‑Powered Superannuation works.</div>
        <div class="gcl_GraphicCellLeft"><a name="1198245"><img id="1198243" class="Default" src="images/ch_overview.35.3.1.png" width="744" height="305" style="display: inline; float: none; left: 0.0; text-align: center; top: 0.0;" /></a></div>
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        <div class="hp_ProcedureHeading" onclick="WebWorks_ToggleDIV(WebWorksRootPath, &quot;wwdd1198246&quot;);">
          <span class="N_007eProcBullet"></span><a name="1198246">How we ensure the security of your information</a><script type="text/javascript" language="JavaScript1.2">WebWorks_WriteArrow(WebWorksRootPath, "wwdd1198246", false);</script></div>
        <script type="text/javascript" language="JavaScript1.2">WebWorks_WriteDIVOpen("wwdd1198246", false);</script>
        <div class="b_Body"><a name="1197585">Security of information means the protection of your privacy and the integrity of your </a>information. We make sure that the information you submit from your MYOB software to MYOB M-Powered Services remains confidential and is not intercepted or corrupted.</div>
        <div class="hr_RunInHeading"><a name="1197590">Nominated business bank account</a></div>
        <div class="b_Body"><a name="1197898">Payments can only be made from the business bank </a>account that you nominated on your MYOB M-Powered Services application form.</div>
        <div class="hr_RunInHeading"><a name="1197902">Payment limit per specified period</a></div>
        <div class="b_Body"><a name="1197611">As an additional measure of protection, we require you </a>to specify a payment limit per specified period (for example, per week or per month) that must not be exceeded.</div>
        <div class="hr_RunInHeading"><a name="1197586">M</a>‑Powered authorisers</div>
        <div class="b_Body"><a name="1197615">Your payments must be authorised by those entrusted to approve </a>payment transactions. These individuals are called <span class="ei_EmphasisItalic">M-Powered authorisers</span> and they must be selected from the signatories to your nominated business bank account. Your authorisers must undergo a special procedure (see ‘Self-signed digital certificates for M-Powered authorisers’ below) to be approved by MYOB M-Powered Services.</div>
        <div class="hr_RunInHeading"><a name="1208869">Self-signed digital certificates for M-Powered authorisers</a></div>
        <div class="b_Body"><a name="1208873">MYOB M-Powered </a>Superannuation uses self-signed digital certificates for authorisers to digitally sign payments and for MYOB M-Powered Services to authenticate them as approved M‑Powered authorisers. Self-signed digital certificates provide strong proof that the payment was signed by approved authorisers and that the payment has not been altered while being transmitted to MYOB M-Powered Services. </div>
        <div class="b_Body"><a name="1198642">A digital certificate consists of two keys, one private and the other public, which work in </a>tandem to authenticate the authoriser to MYOB M-Powered Services. The process is as follows.</div>
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                <div class="bb_Bulleted_inner"><a name="1208895">MYOB M</a>‑Powered Superannuation payments are digitally signed when the authoriser uses the <span class="ei_EmphasisItalic">private key</span> of the digital certificate by entering his or her password. </div>
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                <div class="bb_Bulleted_inner"><a name="1208896">When the MYOB M-Powered Superannuation payment information comes to MYOB, </a>MYOB M-Powered Services uses the <span class="ei_EmphasisItalic">public key</span> of the digital certificate to validate the payment and its authoriser.</div>
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        <div class="hr_RunInHeading"><a name="1198599">Secure Socket Layer (SSL)</a></div>
        <div class="b_Body"><a name="1198606">MYOB M-Powered Superannuation uses the Secure Socket Layer </a>(SSL) internet security protocol. SSL encrypts (scrambles) information you send or receive to provide protection against eavesdropping, tampering or forgery.</div>
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          <span class="N_007eProcBullet"></span><a name="1198602">How you can ensure the security of your information</a><script type="text/javascript" language="JavaScript1.2">WebWorks_WriteArrow(WebWorksRootPath, "wwdd1198602", false);</script></div>
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        <div class="b_Body"><a name="1197827">Here are some recommendations for your authorisers to apply in order to protect the security </a>of your information sent to MYOB M-Powered Services.</div>
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                <div class="bb_Bulleted_inner"><a name="1197828">Do not use the same password as you use to log into your company file.</a></div>
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                <div class="bb_Bulleted_inner"><a name="1197985">Do not use patterns such as ‘aaabbb’, ‘qwerty’, ‘123123’, ‘abc123’, etc.</a></div>
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                <div class="bb_Bulleted_inner"><a name="1197986">Use a mixture of numerals and letters.</a></div>
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                <div class="bb_Bulleted_inner"><a name="1198881">When creating your password, do not select a series of letters which form part of your </a>name or series of numerals which represents your date of birth.</div>
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                <div class="bb_Bulleted_inner"><a name="1197993">Do not use names of people, pets or places, or variations of these (for example, your name </a>spelt backwards).</div>
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                <div class="bb_Bulleted_inner"><a name="1197832">Do not reveal your password to anyone, including your colleagues, your manager, your </a>family, friends or MYOB staff.</div>
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                <div class="bb_Bulleted_inner" style="width: 14.1732283464567pt; white-space: nowrap;">
                  <span style="color: Gray;">■</span>
                </div>
              </td>
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                <div class="bb_Bulleted_inner"><a name="1197837">Regularly change your password. </a></div>
              </td>
            </tr>
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        </div>
        <div class="bb_Bulleted_outer" style="margin-left: 0pt;">
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                  <span style="color: Gray;">■</span>
                </div>
              </td>
              <td width="100%">
                <div class="bb_Bulleted_inner"><a name="1197840">When changing your password, do not set a password that was used before.</a></div>
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        </div>
        <div class="bb_Bulleted_outer" style="margin-left: 0pt;">
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                <div class="bb_Bulleted_inner" style="width: 14.1732283464567pt; white-space: nowrap;">
                  <span style="color: Gray;">■</span>
                </div>
              </td>
              <td width="100%">
                <div class="bb_Bulleted_inner"><a name="1197975">When entering your password, make sure that nobody can see the password being </a>entered. (Watch for security cameras and mirrors.)</div>
              </td>
            </tr>
          </table>
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        <div class="href_ReferenceBlockHeading"><a name="1199882">Related Topics</a></div>
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                  <span style="color: Gray;">■</span>
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                <div class="bbi_BulletedIndented_inner"><span class="l_Link"><a href="ch_settingup.36.1.htm#1299998" name="1199886">Setting up M-Powered Superannuation</a></span></div>
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                <div class="bbi_BulletedIndented_inner"><span class="l_Link"><a href="ch_settingup.36.2.htm#1294747" name="1199890">Activating your M-Powered Superannuation service</a></span></div>
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        <div class="b_Body"><a name="1199629">&nbsp;</a></div>
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