What Payday Super means for your business

Changes are coming 1 July 2026 – so let's get ready

Untitled design (22)-2

.

 

Major superannuation reforms will
take effect from 1 July 2026


The Australian Taxation Office's new Payday Super rules aim to help ensure employees receive their super contributions regularly, while making it easier for employers to detect missed or delayed payments.

The reforms also introduce a new way to calculate your employees' super guarantee. 

With one of the biggest changes to superannuation in recent years, let's unpack what's changing and what you need to do.

What's changing?

Streamline Sales
New payment frequencies

Super guarantee payments must be paid to employee super funds on payday and received within 7 business days.

Read more
custom budgets
New super guarantee calculations

The super guarantee amount will be calculated as 12% of qualifying earnings (QE) – a new term being introduced.*

Read more
*Norfolk Island is 11% from 1 July 2026 and 12% from 1 July 2027.
Acces denied
Updated compliance penalties

Super payments that don't reach the employee's fund within 7 business days triggers new super guarantee penalties.

Read more
Access Anywhere
Reporting super payments

For SAFF file users, you must ensure your Superstream file is uploaded prior to making your super payments.
With Payday Super changes, superannuation funds will have 3 business days to allocate or return contributions. This reduced reporting timeframe could put you at risk of new SGC penalties, so it's important to review your current reporting processes.

New Features
Single Touch Payroll (STP)

MYOB PayGlobal will be updated to ensure you remain compliant with your STP obligations – including the requirement to report QE and Super Liability for employees you made SG contributions for.

Australian Taxation Office resources

Software updates to get you Payday Super-ready

In the coming months, we'll be rolling out an important MYOB PayGlobal software release to help get you ready for new Payday Super requirements on 1 July.

This update will include:

  • A field to identify whether an allowance is QE.
  • A new, set annual maximum super contribution, similar to how the previous quarterly limit was applied.
  • Updated Single Touch Payroll (STP) reporting to automatically include year-to-date QE amounts.
  • Updates to the STP Manager Tool to help you meet STP reporting obligations.
  • Selected reports relating to SAFF and Super will be updated to optionally include QE liable amounts.

Our team will be in touch to confirm your upgrade, so keep an eye out for upcoming communications. 

SCENE 1 600X600

Watch-outs for your business

For many businesses, transitioning to a more frequent super payment schedule may require additional planning to minimise disruption. It's important to understand the potential challenges and have a plan in place to manage them before 1 July 2026.

So, what are some of the impacts to watch out for?

Synchonise
Cashflow management

Instead of setting aside super contributions to pay quarterly, you’ll need to ensure funds are available every pay cycle.

This may require more tightly controlled cashflow and management of your financials.                                                       

Invoices
Increased admin

Instead of paying super quarterly, you may need to make payments more often. For employees that are paid weekly, that means up to 52 super payments each year.

If you currently supply super information via SAFF files, you may need to review your approach and plan accordingly.

Acces denied
Compliance controls

The ATO will be actively monitoring compliance and enforcing new penalties. If you fail to meet the new obligations, you may be required to pay the Super Guarantee Charge (SGC).

Consider reviewing your compliance management processes before 1 July 2026.

 

Get Payday Super-ready with expert support

 Our team of Consulting Services experts will help you prepare for 1 July, with a package designed to take the stress out of Payday Super.

ico_certified

Payday Super Readiness Package

$1,300 + GST

What's included
  • Confirmation of how your system is currently configured for reporting.
  • A review of your allowance setup for QE, highlighting any that may need configuration changes.
  • We'll support you to run a sample test pay in a test environment to validate and compare OTE vs QE in Transaction View.
  • We’ll apply the configuration changes you approve, so your allowances and settings match your QE decisions.

Important information
  • If you have a custom configuration that impacts SG reporting, you may need additional support, charged at your standard time and materials rates.
  • Payday Super packages booked after 8 May 2026 will incur additional charges.
  • Your organisation remains responsible for deciding which payments are QE, and for meeting your super and STP obligations – MYOB cannot provide tax, payroll or legal advice.
  • Please note all work will be conducted remotely for your convenience.
Exclusions
  • Upgrades to ESS
  • Upgrades to SRSS
  • Any configuration changes outside the scope of this work

 

Book your Payday Super Readiness Package today

 
card

We're here to help

As updates roll out, we'll keep you in the loop. Keep an eye on your inbox for more information from MYOB over the coming months.