PAYDAY SUPER

This is the biggest compliance change in decades!

From 1 July 2026, superannuation must be paid at the same

time as wages , not quarterly. This means every pay run now

triggers a super payment obligation. What used to be

managed once every few months becomes a real-time

compliance requirement.

Many businesses will get caught out by cash flow pressure.

Super can no longer be held and paid later, which means

money needs to be available every single pay cycle. For

businesses already running tight margins, this shift can quickly

create strain if not planned for.

There’s also a higher risk of errors and missed payments.

With super being processed more frequently, small mistakes

in payroll, employee setup, or calculations can happen more

often and be picked up much faster by the ATO.

The cost of getting it wrong adds up quickly. Late

payments can trigger interest, admin fees, and penalties of

up to 200% of the unpaid super, and those amounts are not

tax deductible. In some cases, directors can also be held

personally liable, making this a risk that’s too big to ignore.

Penalties & Risks

10% interest + admin fees apply immediately.

Penalties can be up to 200% of the unpaid amount.

Directors can be personally liable.

Late payments are not tax deductible.

Additional Accountant fees to resolve issues

What You Need To Do

1. Review your payroll system

2. Plan for cash flow changes

3. Update your payroll processes

4. Ensure super is calculated correctly each pay run

5. Be ready ahead of time!

Need help or Assistance?

We understand there is a lot to consider when it comes to

being prepared for this massive change. Let us help you,

then you can get back to work knowing that we have this

covered for you. See below how and why we need to be

working with you and the changes with Payday Super

July 1st 2026

What's Included.

Payday Super Setup & Management
We set up your systems to meet Payday Super requirements and ensure everything is running correctly from day one. This includes configuring your payroll software, linking super funds, and making sure payments are processed in line with the new rules, every pay cycle.

Payroll Compliance Support
We help you stay compliant with current super and payroll obligations. This includes checking calculations, ensuring correct super rates are applied, and reducing the risk of errors that could lead to penalties.

Super Payment Processing Each Pay Run
Your super is calculated and processed at the same time as wages, every pay cycle. We ensure payments are made accurately and on time, helping you avoid late payments, interest charges, and compliance issues.

Ongoing Support & Guidance
You’ll have access to ongoing support as rules evolve or your business changes. Whether it’s answering questions, adjusting your setup, or helping you stay on track — we’re here to guide you

How To Get Started.

1. Book a Quick Call
We’ll understand your business, payroll setup, and employee structure.

2. Review Your Current Setup
We assess your payroll system, super processes, and identify any gaps.

3. Get Set Up for Payday Super
We configure everything to ensure you’re compliant and ready before the changes take effect.

4. We Manage It for You
Super is processed correctly every pay run — with ongoing support as your business grows.

Pricing.

Up to 2 employees

(excluding directors)

From $55 per week

3–10 employees
From $110 per week

Sole director only

(no employees)
$110 per month

Click below if you would like us to contact you to discuss the Payday Super Program.

Helpful Links

About Payday Super

Payday Super Resources

Enquire

F.A.Q

Who Does This Apply To:

All Australian employers who pay super for employees will be affected

What is the 7-Day Deadline?

Contributions need to reach the employee’s fund within seven business days. For new hires or first-time payments to a super fund; the timeframe is 20 business days.

What happens if the super contributions are not received by their super fund within seven business days of payday?

You will incur penalties and interest charges from the Australian Taxation Office (ATO).

How to handle mid-cycle adjustment & ‘out of cycle’ payments?

The new legislation treats ‘out of cycle’ payments differently. “SG contributions relating to payments made outside the normal pay run frequency , such as bonuses, commissions and backpays , can be made within seven business days of the next normal payrun.”

What is happening to the ATO’s Small Business Superannuation Clearing House (SBSCH)?

The ATO’s SBSCH will be closed from 1 July 2026.

Can I start paying super on payday now?

Yes. Many employers are transitioning early