Payday Super FAQs: Answers to the questions employers are asking
Following our recent guide on the upcoming Payday Super changes, we’ve had a number of questions from business owners about what the new rules will actually mean day-to-day.
While the fundamentals are simple (superannuation will need to be paid each pay cycle from 1 July 2026) the practical changes around payroll, software, cashflow and processes are where many businesses are looking for clarity.
We’ve pulled together some of the most common questions we’re receiving from clients to help you prepare.
Don’t forget to download our complete Payday Super Fact Sheet and FAQ Guide, or contact our team to book a Payday Super readiness review.
DOWNLOAD FACT SHEETI already use Xero Auto Super. From 1 July, do I keep processing super the same way, just paying it with each pay run instead of quarterly?
Mostly, yes.
If you already use Auto Super, the steps of reviewing, approving and paying super will feel familiar. The main change is the timing.
Instead of accumulating super obligations and paying quarterly, super will need to be processed as part of each pay run so contributions reach employees’ super funds within the required timeframe.
Whether that means weekly, fortnightly or monthly payments will depend on your payroll cycle.
The biggest adjustment for many businesses will be managing the new payment rhythm and understanding the impact on cashflow. It’s also important to allow enough time for clearing house processing so contributions are received by the fund within the required timeframe.
Do I still make my April to June 2026 quarterly super payment by 28 July?
Yes.
The April to June 2026 quarter is the final super payment period under the current system, and it will still be due by 28 July 2026.
However, if you currently use the Small Business Superannuation Clearing House (SBSCH), it’s important to note this service closes permanently on 30 June 2026.
Businesses using SBSCH will need to have an alternative payment process in place for this final quarterly payment and for all future super payments.
From 1 July 2026, all new super contributions will follow the Payday Super rules.
Can employees still make extra contributions through salary sacrifice?
Yes.
Payday Super changes the timing of compulsory employer superannuation guarantee (SG) payments. It does not change voluntary contributions or existing salary sacrifice arrangements.
Salary sacrifice super contributions will continue as normal, however, employees should still consider their concessional contribution limits when making additional contributions.
What if my employees are with lots of different super funds?
This is very common and should not create additional administration if your payroll processes are set up correctly.
Each employee’s super contribution will continue to be paid to their nominated fund, and payroll software can manage payments across multiple funds.
The key priority is ensuring employee fund details are accurate, particularly when onboarding new employees.
From 1 July 2026, additional tools will help employers verify fund details and reduce issues with incorrect or returned payments.
Would changing from weekly to fortnightly payroll reduce administration?
It may, but it’s not a decision to make based on Payday Super alone.
A less frequent pay cycle can mean fewer payroll runs and fewer super processing events. However, changing pay frequency can also impact employees, awards, employment agreements and business operations.
With modern payroll software automating much of the process, the administration savings may not be as significant as expected.
It’s worth reviewing what works best for your business before making changes.
Can my accountant or bookkeeper still process super payments for me?
Yes.
Your accountant or bookkeeper can continue assisting with payroll and super processing.
However, the legal responsibility for ensuring super is paid correctly and on time remains with the employer.
We recommend having clear processes in place around:
• Who prepares payroll
• Who approves payments
• Who checks deadlines are met
• What happens if your usual payroll person is unavailable
Clear systems will become even more important under the new rules.
What records do I need to keep?
Businesses should maintain records that demonstrate super was calculated correctly and paid on time.
This includes:
• Super calculations for each employee and pay run
• Payment dates and confirmation contributions were received by the fund
• Employee super fund details
• Any voluntary disclosures or relevant correspondence
Single Touch Payroll reporting requirements are also expanding to provide more visibility around super liabilities.
If you currently use the SBSCH, remember to download and securely store your records before it closes on 30 June 2026.
What should businesses do now?
Before Payday Super begins, we recommend businesses:
✓ Review payroll software and settings
✓ Confirm super payment processes
✓ Check employee super fund information
✓ Review cashflow impacts
✓ Clarify payroll responsibilities internally
✓ Speak with your advisor if you are unsure how the changes apply to your business
How MWM Advisory can help
Payday Super is not just a payroll change, it’s a change to the way businesses manage an important compliance obligation.
At MWM Advisory, we can help you prepare by reviewing your systems, processes and payroll procedures to ensure your business is ready.
Download our complete Payday Super Fact Sheet and FAQ Guide, or contact our team to book a Payday Super readiness review.
DOWNLOAD FACT SHEETMWM Advisory is helping business owners understand their numbers and stay ahead of change.
Until next time, all the best
James and the MWM Team
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