What is Payday Super?
An Australian Government reform requiring employers to pay superannuation guarantee (SG) contributions within 7 business days of paying salary and wages. It replaces the previous quarterly payment cycle, effective 1 July 2026.
Do I need to do anything before 1 July 2026?
Yes. Two critical steps must be completed before your first FY27 pay run:
1. Register your SSID with the ATO — required for all STP submissions |
2. Configure Qualifying Earnings (QE) — required for correct super calculation and STP reporting |
What is the SSID deadline?
You must notify the ATO of your SSID before the evening of Thursday 11 June. From that point, STP submissions for unregistered ABNs will be rejected.
What is Qualifying Earnings (QE)?
QE is the earnings basis used to calculate super under Payday Super. It replaces Ordinary Time Earnings (OTE) and generally includes a broader range of earnings — such as commissions — in addition to standard wages and salary sacrifice super amounts.
Will my super amounts change?
Possibly. Because QE includes more earnings types than OTE, super calculations may be higher for some employees. These changes reflect updated compliance requirements — not errors.
What is the 7-day deadline?
Super contributions must be received by the employee's fund within 7 business days of the pay date — not just submitted or generated. One day late can trigger automatic ATO penalties.
If my STP submission is successful, does that mean my super payment has been made?
No. A successful STP submission reports payroll information to the ATO but does not mean contributions have been received by the super fund. Payment must be processed separately and confirmed as received within 7 business days.
What is Member Verification (MVR)?
A compliance check that confirms an employee is correctly linked to their nominated super fund before contributions are made. It is required for new employees and when an employee changes super funds.
Do I need to use a specific clearing house?
No. You can use any clearing house that supports SAFF (SuperStream Alternative File Format) or your existing clearing house, provided it can meet the 7-day deadline requirements. OZEDI is a supported and recommended option for Jobpac customers.
Is the SBSCH still available?
No. The ATO's Small Business Superannuation Clearing House (SBSCH) will be permanently closed on 1 July 2026. It will not support the high-frequency requirements of Payday Super. All SBSCH users should arrange an alternative clearing house before the end of FY26.
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