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What Is Payday Super?
Payday Super means exactly what it sounds like: as an employer, you'll be required to pay superannuation contributions at the same time as your employees' regular wages — not just once a quarter.
The legislation takes effect from 1 July 2026. If super contributions arrive more than 7 business days after pay day, you may be liable for additional charges and penalties.
In practice, because of bank and clearing house processing times, you'll need to initiate super payments on the same day as wages. You'll also need to make an electronic SuperStream report to the ATO with each payment.
Note that the amount of super you're paying is not changing (the Super Guarantee rate stays at 12%), it's just the frequency that is changing.
Super payments shift from quarterly to every pay run — so for most businesses that's weekly, fortnightly or monthly
Maximum business days between pay day and super arriving in employee's fund
Mandatory compliance date for all Australian employers — whether you have 1 employee or 1,000
Electronic ATO reporting required with every super payment — payroll software handles this automatically
The Small Business Superannuation Clearing House (SBSCH) is Closing
The Small Business Superannuation Clearing House (SBSCH) was the ATO's free service that let small businesses make a single super payment for all staff.
It's being completely shut down on 30 June, as part of the Payday Super reforms.
From 1 July 2026 all businesses will need to use payroll software (like Easy Business App) with built-in SuperStream reporting in order to pay super.
How Payday Super Affects Small Businesses
Three key areas every small business owner needs to plan for before July 2026.
1. Cashflow Pressure
Moving from quarterly to weekly super payments means cash leaves your account much more frequently.
If customers take 30–60 days to pay you, you'll need to plan carefully to avoid shortfalls.
💡 Tip: Now is the time to renegotiate long payment terms with your customers — and consider invoicing software that makes it easy to get paid faster, with automatic overdue reminders and online card payments.
2. More Admin Work
Paying super every week or fortnight is significantly more admin than once a quarter.
Each payment also requires a SuperStream report to the ATO — that's a lot of manual work without the right software.
💡 Tip: With Easy Business App, you pay super and lodge your SuperStream report to the ATO in just a couple of clicks — from any device, even your phone.
3. Late Penalties
Late super payments trigger the Superannuation Guarantee Charge — which includes interest and administrative penalties.
Repeated non-compliance attracts escalating penalties.
💡 Tip: Start paying super at payday now to build the habit and iron out any issues while there's no penalty risk.
Easy Business App Is Your Payday Super Solution
Built for Australian small businesses. Super payments and SuperStream reporting included in all our payroll plans.
Run payroll on any device
Complete your entire payroll process — employee setup, payslips, STP lodgement, and super payments — from your phone, tablet, or computer.
It's so quick and easy, that around 50% of our users already run payroll, STP and super from a phone or tablet.
Award-winning support
Rated Australia's best accounting software on Trustpilot.
Our live support team is based in Sydney and reachable by phone, live chat, or email — whenever you need help.
Safe and secure
All your data is fully encrypted and stored right here in Australia.
We're ISO 27001 certified (the international standard in information security) and an ATO-approved Digital Services Provider.
Pay super in a couple of taps
One BPAY (or Direct Debit) payment covers all your employees at once — our clearing house partner Beam distributes funds to each super fund on your behalf, and lodges your SuperStream report with the ATO automatically.
Bookkeeper & accountant friendly
Loved by advisors with all the accounting functionality they need for BAS and tax time.
Your bookkeeper or accountant can help with everything — payroll, super, and STP — from one platform.
More than just payroll
We're a full bookkeeping system — with quotes, invoicing, expenses, receipt snapping, bank feeds, reports and more!
You only pay for the features you need, so whatever your business looks like, we've got you covered.
Get started today for free
Join the 10,000+ Australian businesses already using Easy Business App.
Watch: Simple Super with Easy Business App
See how easy it is to pay super in Easy Business App. You can also check out our help guide.
Free Payday Super Resources
Learn more and get prepared!
Payday Super For Small Businesses
A one page PDF summary
Get all the key details in one simple PDF file. You can even share it with your employees, so they know what's changing!
Payday Super Readiness Checklist
A simple checklist to help you get prepared
Get all the key details in one simple PDF file. You can even share it with your employees, so they know what's changing!
Payday Super Frequently Asked Questions
When does Payday Super start?
Payday Super is mandatory from 1 July 2026.
We recommend getting set up and getting used to the new regular process as soon as possible.
How long do I have to pay super after each pay run?
Super contributions must arrive at the employee's super fund within 7 business days of pay day.
Because of bank and clearing house processing times, in practice you need to initiate the payment on the same day as wages.
With Easy Business App, you can do this in just a couple of clicks.
Can I still use the ATO's Small Business Superannuation Clearing House (SBSCH)?
Not for much longer.
The SBSCH stopped accepting new employer registrations on 1 October 2025, and will shut down completely on 30 June 2026.
Note that if you are planning to use the SBSCH to pay your Q4 (Apr-June) super payment, you will need to do that before 27 June — you will not be able to use the SBSCH to make your regular Q4 payment at the end of July!
What happens if I pay super late?
Late super payments attract the Superannuation Guarantee Charge (SGC), which includes the overdue amount plus interest and an administration charge.
Repeated non-compliance can lead to penalties from the ATO.
The best way to avoid this is to use payroll software that automates the process and build it into your weekly/fortnightly/monthly routine.
How much does Easy Business App cost for super payments?
Easy Super is included in all Easy Payslip plans.
Plans start from $14.95/month (for up to 4 employees) and include payslip creation, STP lodgement, and super payments with SuperStream reporting.
No hidden fees, no annual contracts.
What is a default super fund? Do I need to set up a default super fund?
Yes. As an employer you're required to have a nominated default super fund for employees who don't choose their own.
Easy Business App lets you set a default fund and automatically enroll eligible employees — their membership number is assigned and their employee record updated, all within the app.
Don't have a default super fund yet? You can select one when you setup super in the app, you'll just need to enroll as an employer separately before you auto-enroll your first employee.
Can I start paying super with easy pay run before July 2026?
Absolutely — and we recommend it!
Getting into the habit early helps you understand the cashflow impact, test your payroll software, and ensure everything is running smoothly before the mandatory start date.
There are some background changes we'll be making that will roll out on July 1, but it won't alter the process: Easy Business App supports making super payments on payday right now.
Accountant or Bookkeeper?
Learn more about how Easy Business App is a better fit than Xero or MYOB for your micro and small business clients.