Payday Super is Coming: 3 Checks to Make Now

With 1 July approaching, now is the time to make sure your business is ready for Payday Super. Under the new rules, employers will need to pay super at the same time as salary and wages, and contributions must be received by an employee’s super fund within 7 business days of payday. This tighter turnaround means your systems and cash flow need to be ready for the shift.

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Payday Super webinar – Preparing your business for 1 July

Join us for a practical walkthrough of what these changes mean for your business and the steps to take before the July deadline.

For FTMA Members there is a FTMA hosted webinar on Same Day Super:

Date: Wednesday 1st April 2026
Time: 2pm AEST
Register: FTMA Members Same Day Super Webinar

Or Join First Super as they host Payday Super

Date: Wednesday 22 April 2026
Time: 12pm AEST
Register: firstsuper.com.au/events/payday-super-webinar

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We know you have plenty of compliance to manage, and Payday Super is another significant shift to navigate. To help you get ahead of the change, here are 3 areas we recommend reviewing today.

1. Review your cash flow

Payday Super changes the timing of your outgoings. Instead of making a large quarterly payment, super will become a regular part of each pay cycle.
We suggest reviewing your internal approval process now. If there is usually a delay between running payroll and approving the bank file, that window is about to get much smaller. Check whether your current cash flow and approval workflow can comfortably meet the 7-business-day deadline without creating a bottleneck.

2. Plan for the ATO clearing house closure

The ATO Small Business Superannuation Clearing House (SBSCH) will close permanently on 1 July 2026. This is a major shift for many smaller businesses.
If your business still uses the SBSCH, now is the time to start planning an alternative approach. Ask your payroll team to look at these two options:

• Your payroll software: Check whether your current software has a built-in super payment function.
• A private clearing house: Check whether a private clearing house is the right fit for your business. First Super offers a clearing house solution to registered employers, allowing your team to manage employee payments in one place.

3. Clean up your employee data

More frequent payments mean less room for administrative errors. A small data mismatch that might once have been picked up over a quarter could now delay or reject a contribution, increasing the risk of paying late.

We recommend asking your payroll team to:

•   Audit employee data to make sure names, TFNs and super fund details are accurate and up to date
•   Fix onboarding to make sure your process captures fund choice details for new starters early
•   Establish an error process to make sure your team can fix contribution errors quickly, so the money still reaches the fund on time.

Why act now?

While July may seem a way off, starting early allows you to stress-test your cash flow and make sure your clearing house arrangements are seamless. Acting now also gives your team time to adapt to the new rhythm without the pressure of a looming deadline.