1. Home
  2. Payday Super

Payday Super

Understanding Payday Super

Everything employers and tax agents need to know about the new superannuation changes starting 1 July 2026.

What is Payday Super?

Starting 1 July 2026, superannuation contributions must be paid at the same time as employees are paid. This replaces the previous quarterly payment cycle. Contributions must reach the employee's fund within 7 business days of payday.

Key Changes to Reporting

  • Qualifying Earnings (QE): Report per employee for each pay, not year-to-date.

    Note: Our software automatically calculates QE. Any payment entitled for super will be included in your STP lodgement.

  • Include correct super fund information for each employee.
  • SG contributions calculated on QE and paid promptly.

How Our Software Simplifies Super Contributions

Our software allows you to generate SuperStream‑compliant contribution files automatically for each pay period. Additionally, we support special contribution file formats for many Australian super funds.

  • Export standard SuperStream files ready for upload or portal submission.
  • Support for specific super fund file formats to simplify payment and reconciliation.
  • If a super fund is not listed in our software, let us know — we can add it to our supported list quickly.

This ensures compliance with Payday Super rules while giving you flexibility for all your client funds.

Simplifying Compliance for Accountants / Tax Agents

If you are a tax agent or accountant, choose a super fund that allows you to create an account to manage multiple clients. This can significantly simplify the process of making super contributions.

You can export contribution files from our software and upload them directly to the super fund portal for each client.
Clients can set up one direct debit to cover all contributions, helping ensure payments are made on time.
We are also exploring super funds that allow contributions to be uploaded directly from within our software, which may be integrated in future updates.

These options help you stay compliant while managing multiple clients efficiently.

Questions

Frequently Asked Questions

All employers in Australia who pay superannuation contributions for employees must comply with Payday Super starting 1 July 2026.

QE is the sum of superable pay per employee per pay period. It determines the correct Super Guarantee contribution and must be reported in STP.

Yes, if the super fund supports a tax agent or accountant portal. Agents can upload contribution files, set up direct debits, and ensure timely payments for multiple clients.

Late super contributions can attract penalties from the ATO. Using funds that support agent portals and direct debits helps ensure contributions are received within the 7-day deadline.