SBSCH

What is Payday Super (and why it was created)

BAS Agent's Blog, Payday Super, Payroll & Superannuation / By / / , , , , / 2 minutes of reading

Payday Super is a government reform that will require employers to pay Super Guarantee (SG) contributions on or soon after each payday, instead of making contributions quarterly.

It was created to reduce unpaid/late super, give employees more timely contributions into their funds, and give the ATO closer to realtime visibility of employers who fall behind. The aim of Payday Super is to increase the focus on on-time payments and reduce the lag between an underpayment occurring and the ATO contacting the employer.

When is it due to start and who does it affect?

Payday Super is planned to commence from 1 July 2026. It is expected to apply broadly to all employers who have SG obligations, including small businesses and microemployers.

As at March 2026, enabling legislation and detailed rules are in progress; dates and details are still technically subject to change, but the policy direction is clear.

Payment timing and processing expectations

From 1 July 2026, employers will be expected to calculate and send super contributions in line with each pay cycle, rather than accumulating them until quarter-end.

ATO and software developer guidance indicates contributions should reach employees’ funds within about 7 business days of each payday, supported by changes to SuperStream and use of the New Payments Platform (NPP) for near realtime payments.

There will be enhanced error messaging and member verification processes so employers can confirm a fund can accept a contribution and fix issues quickly.

Impact on payroll software, STP and clearing houses

Payroll software will need to:

  • Calculate super each pay run based on qualifying earnings.
  • Trigger contribution payments (directly or via a connected clearing service) on or soon after each payday.
  • Report new/updated STP fields such as QE and super liability amounts so the ATO can monitor employer compliance in close to real time.

The government has indicated the Small Business Superannuation Clearing House (SBSCH) will be retired from 1 July 2026, so small employers using SBSCH will need to transition to alternative services.

SuperStream standards are being revised to support more frequent, datarich contributions and integration with the NPP.

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ATO Super Clearing House to Close when PayDay Super Begins

BAS Agent's Blog, Payroll & Superannuation / By / / , , , / 2 minutes of reading

You may have heard that Payday Super is coming in July 2026. In short, Payday Super will require all employers to pay their employees’ super on the same day as a pay run is processed. The main reason behind this measure is that the Government wishes to end non-payment and underpayment of super by some employers as this is effectively wage theft. The measure will also mean that millions of employees will receive higher retirement savings due to their super contributions being paid earlier and more frequently.

What you may not know is that from 1 July 2026, the ATO Small Business Super Clearing House (SBSCH) will close. Yes, you heard right—it is closing its doors at the same time as Payday Super begins.

So, what can you do to prepare if you are a current SBSCH user? Your options are limited. You can either move to your default super fund’s clearing house or use the super functionality in your payroll software, such as Xero, MYOB, or QBO. I recommend not waiting until the SBSCH closes to get this organised. Make the change as soon as practicable.

How did I hear about the SBSCH closing? I read the fact sheet from the Government Treasury website. You can access the fact sheet here if you wish to read the details behind Payday Super.

The fact sheet breaks down many other details about Payday Super and is an important read if you are an employer. I suggest you take the time to review it and figure out how you will apply this change to your payroll processes when the time comes.

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