While this is not yet law, the way employers pay superannuation will change in a major way, so now is the time to ensure you understand what’s coming so you’re ready.
What Is Payday Super?
Under the current system, employers pay superannuation contributions at least quarterly. The new Payday Super rules will change this so that:
👉 Super must be paid at the same time as wages or salary, based on your pay cycle (e.g., weekly, fortnightly, monthly).
👉 Contributions must be received by the employee’s super fund within 7 business days of payday.
In simple terms: super will need to be paid more frequently — every payday — rather than just every few months.
Why the Change Matters
The goal of Payday Super is to ensure employees receive their retirement contributions sooner and more consistently. It will also give employers and the ATO better visibility over super compliance.
As an employers, this means adjusting systems, processes, and cashflow planning to meet the new requirements.
What This Means for Your Business
Here’s how Payday Super practicalities could affect you:
✅Payroll and Systems – Your payroll process will need to capture super contributions each pay cycle and transmit them alongside your wages. This may mean updating payroll software or workflows.
✅Cash Flow Planning – Instead of setting super aside quarterly, you’ll need to ensure funds are available each payday — which may affect short-term cash planning. Start building this into forecasts now.
✅Data Accuracy – To avoid rejected payments or penalties, employee details (including super fund information) must be accurate. Regularly review your records.
Final Thought
Payday Super will be one of the biggest payroll changes in decades for Australian employers. It’s change that demands preparation, clear processes, and thoughtful planning. Starting early will give you the best chance of a smooth transition and help protect your business from compliance risks once the new rules begin.
Practical Actions You Can Take Now:
✔ Review your current payroll setup — check employee super fund details are correct so payments aren’t delayed.
✔ Talk to your super payments provider — confirm they can support payday super payments and 7-day settlement deadlines.
✔ Update your cash flow forecasts — build payday super contributions into your regular budgeting.
✔ Watch for updates — Keep an eye on ATO updates as Payday Super legislation is finalised.
Need help preparing for Payday Super?
The Aster HR team can help review your payroll processes, update systems, and build compliance confidence ahead of the July 2026 changes. Send us a message or book a consultation today. 👍
