Payday Super is nearly here. Here’s how to earn from it.

From 1 July 2026, the way Australian employers pay superannuation is changing. Here’s what you need to know, and how pay.com.au will support you through it.

What is Payday Super?

Payday Super is a legislative change that requires all Australian employers to pay superannuation contributions to employees within 7 business days of each payday, starting 1 July 2026, unless an extended due date exception applies.

Up until now, employers have been allowed to pay super quarterly, as long as contributions were made within 28 days of the end of each quarter. That window is going away.

What’s changing from 1 July 2026?

The payment window tightens. Under Payday Super, super must be paid within 7 business days of every payday, whether you run weekly, fortnightly, or monthly payroll, unless an extended due date exception applies.

The ATO’s free clearing house is closing. The Small Business Superannuation Clearing House (SBSCH), used by approximately 200,000 small businesses, closes on 1 July 2026. If you currently rely on it, you’ll need an alternative in place before that date.

Non-compliance gets expensive. Missing the new payment window triggers the Super Guarantee Charge (SGC): a penalty that includes the original contribution, interest, and an admin fee. SGC payments also lose their tax deductibility.

For the full regulatory detail, visit the ATO website.

How will pay.com.au support this?

From late May, you’ll be able to add your clearing house as a supplier payee in pay.com.au and make your super payments directly through the platform. Your clearing house still handles contributions and calculations for each pay cycle. pay.com.au allows you to process on a credit card (great for cashflow management!) and earn points while doing so. Here’s how it works:

The good part? Every super payment you make through pay.com.au earns PayRewards Points, the same as payroll, BAS payments, and your other business expenses. You have to pay super regardless. You might as well get something back.

What should you be doing now?

• Check if you use the SBSCH. If you do, you need a replacement clearing house in place before 1 July 2026.
• Choose a clearing house. A clearing house takes your contribution data and distributes funds to each employee’s super fund. You’ll need one regardless of how you make the payment. Some options include SuperChoice, QuickSuper, and Beam Super.
• Review your cash flow. Moving from quarterly to per-payday super is the biggest practical change for most businesses. More frequent payments mean super is no longer sitting in your account for up to three months. If cashflow timing is a concern, pay.com.au will allow you to pay your clearing house by credit card, giving you more flexibility on when the money actually leaves your account. You can also earn PayRewards Points on every payment, so you’re getting something back each time.
• Talk to your accountant. Super obligations vary by business. Get advice specific to your situation before 1 July.

This content is for general information purposes only and does not constitute financial, legal, or compliance advice. Super obligations vary by business. For advice specific to your situation, speak with your accountant or visit ato.gov.au.

Written by Dan Withinshaw

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About the author

Dan is a content marketing specialist at pay.com.au who transforms complex rewards programs into compelling stories. Drawing from his Kiwi roots and global adventures, he brings a unique perspective to finding value in points redemptions. With experience in startups and scale-ups, he helps readers unlock the potential of their rewards. Outside of work, you'll find Dan producing music, mixing on the decks, and immersing himself in Melbourne's sports and music culture.