Payday Superannuation – a monumental change for Employers.
What it is: From 1 July 2026, employers must pay superannuation guarantee contributions at the same time as wages, rather than. Super contributions must reach employees' accounts within 7 business days of payday
Why it matters: This change affects approximately 8.9 million Australian employees and aims to address unpaid super, which is currently around $3.4 billion annually. More frequent payments make it easier for employees to track entitlements and help identify non-compliance earlier.
What Businesses Should Do Now to Prepare

1. Review payroll systems - Check if your current software can handle more frequent super payments.

- If you do not have software, we recommend Xero for any employer who has employees. Otherwise, you will need to register for a super clearing house.

1. The ATO's Small Business Superannuation Clearing House will close from 1 July 2026 so businesses using it need alternative solutions.

- Australian Super has a free super clearing house, called Quicksuper and will integrat a new Employer Portal. Just register with Australian Super an Employer.
2. Assess cash flow impact - Instead of holding super funds until the end of each quarter, you'll need to pay 12% of wages on each payday. This requires adjusting your cash flow planning.
3. Update processes - Ensure your payroll configuration can calculate and report super contributions through Single Touch Payroll with each pay run, not just quarterly.
4. Consult professionals - Speak with your payroll provider, accountant, or tax professional about system updates and transition planning.
- Make a no obligation appointment with “AXXO Accounting & Management” for advice on the steps to take to stay super compliant.
5. Understand compliance - Penalties for late payment remain severe and non-deductible, including the super shortfall, 10% annual interest, and administrative fees