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Planning and preparing for Payday Super

Cash flow and financial implications

Prepare your business — review your cash flow

Update your business processes so that you can pay super with each pay cycle.

Paying super on payday

Payday Super starts on 1 July 2026. If you’re an employer, Payday Super means you will need to make a super contribution for eligible employees for each payday.

Review cash flow and business processes:

  • From 1 July, superannuation will need to be paid with every pay run. For many small businesses that means losing a crucial cash flow buffer so look at cash flow to understand how moving to paying super more frequently will affect your business.
  • Check you have up-to-date super fund details for all eligible employees. Check this information is correct (such as member account numbers and unique superannuation identifiers) to prevent any errors.
  • Review and correct error messages you receive from super funds. Any payments you currently make that receive a warning or information message now could be rejected after 1 July 2026, causing a late payment.

Lock in your Payday Super plan

  1. Confirm when your software will be ready — contact your digital service or payroll provider to find out
  2. If you’re still using the Small Business Superannuation Clearing House (SBSCH), transition now to an alternative provider – see the SBSCH checklist
  3. Check payroll governance processes
  4. Understand the new concept ‘qualifying earnings’ (QE)
  5. Pay your SG for the January to March quarter by 28 April 2026.

You must switch to Payday Super from 1 July, but you don’t need to wait until 1 July to get ready – you can start now.

Get Payday Super advice from professionals

Talk with your Omnis tax professional if you’re unsure about the best timing for your business to transition to Payday Super, or how you’ll managing cash flow to pay super going forward.

The ATO’s Cash Flow Kit has tools and resources to help manage cash flow.

Source: Australian Tax Office (27 January 2026) Payday Super checklist for employers

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Justin Flavel

Managing Director

Justin’s experience spans across 20 years in accounting, financial analysis and general business practice.

Although born and bred on the land, Justin’s interest was more in spreadsheets, ledgers, and finance which led him to attend university. In 1992, Justin graduated with a Bachelor of Business majoring in Accounting and Finance. As well as qualifying as a CPA member and becoming a Fellow of the Taxation Institute of Australia, he began gaining practical experience in small and mid-tier accounting practices.

During the late 90s, Justin decided to expand his horizons and travel through Europe. It was during this time that he seized the opportunity to expand his knowledge on the workings of large organisations by taking on roles in multinational corporations.

Today, Justin’s passion is in facilitating businesses to grow and evolve. His focus is on acting in the role of business mentor to help clients develop the full potential of their businesses. He joins clients on their unique journey, and provides the tools and knowledge they need along the way to make the right decisions.

Justin’s aim for his clients parallels his own philosophy and personal journey—focusing on his own career growth and business success while maintaining balance in his life with his wife and three daughters.

Omnis Group Managing Director - Justin Flavel