Final Payday Super Reminder Are You Ready?

Payday Super Starts 1 July – What Business Owners Need to Do Now

With Payday Super commencing from 1 July 2026, the way businesses pay superannuation is changing permanently.

If you haven’t already fully transitioned to paying super with each pay run, now is the time to act.

This final reminder outlines:

• Your obligations from 1 July
• What to do about June quarter super (Q4)
• How to handle contractors and super

What is Changing on 1 July 2026?

From 1 July 2026, employers must:

✅ Pay super at the same time as wages (each pay run)
✅ Ensure contributions reach the employee’s fund within 7 business days
✅ Report super through STP each pay cycle

This replaces the old quarterly system.

Key Risk Area: June Quarter Super (Q4)

Many businesses are asking: “Can I still pay my June quarter super in July?”

✅ The Answer:

Yes – but be careful.

If you are paying June quarter super (April–June):

• It is still due by 28 July 2026 under the old rules
• However, from 1 July, all new super obligations fall under Payday Super

⚠️ What this means in practice:

You could have two overlapping obligations:

1. Quarterly Super (Q4 – old system)
   → Due by 28 July
2. Payday Super (new system)
   → Starts from your first July payroll

✅ Best Practice:

To avoid confusion and compliance risk:

• ✅ Pay your Q4 super BEFORE 30 June if possible
• ✅ Start fresh from 1 July with payday super

This reduces the risk of:

• Late payments
• Missed deadlines
• ATO penalties

What If You’re Not Ready Yet?

If you haven’t fully transitioned:

👉 Act immediately:

• Move to monthly super payments as a minimum
• Run your first payday super cycle in early July
• Ensure your payroll system is updated for:
• If you miss paying the Q4 super by 28 July (or by mid-July depending on the clearing house due date) DO NOT pay it late to the clearing house INSTEAD lodge a Superannuation Guarantee Charge (SGC) form and pay the late super to the ATO.

👉 Seek support now – this is not something to leave until after July.

Do You Have Contractors that you Pay Super for?  Payday Super obligations still apply

What does this look like practically?

Each time a payment is made to a Contractor the corresponding Superannuation payment also needs to be processed – the 7 business day rule also applies. 

👉 Seek support now – if you are unsure how to practically put this into place in your business.

Final Checklist Before 1 July

Before the new system begins, make sure you:

✅ Payroll system updated for Payday Super
✅ Super paid with each pay run
✅ Clearing house timing confirmed
✅ Staff trained on new processes
✅ June quarter super planned (ideally paid early)
✅ Contractor obligations reviewed

Need Help?

Transitioning to Payday Super is a major change—but you don’t have to manage it alone.

At Aegis Business Services, we can assist with:

• Payroll system readiness
• Super compliance reviews
• Contractor assessments
• Implementation support

Final Word

Payday Super is not just a compliance change—it’s a fundamental shift in how super is managed.

Businesses that act early will:
✅ Reduce risk
✅ Improve efficiency
✅ Avoid penalties

Businesses that delay may face:
⚠️ Cash flow pressure
⚠️ Compliance exposure
⚠️ Increased ATO scrutiny