PayDay Super – Employer Readiness Checklist (Before 30 June 2026)

Use this checklist to ensure your business is prepared for PayDay Super and the closure of the ATO Small Business Superannuation Clearing House.

1. Understand the Change

☐ PayDay Super starts 1 July 2026
☐ Super must be paid with each pay run (or within 7 business days of payday)
☐ Quarterly super payments will no longer be compliant
☐ The ATO Small Business Superannuation Clearing House closes 30 June 2026

2. Review Your Payroll System

☐ Confirm your payroll software supports PayDay Super
☐ Ensure payroll is SuperStream-compliant
☐ Confirm you have an active super clearing house
☐ Check payroll software is up to date

💡 Xero already supports PayDay Super when configured correctly.

3. Check Superannuation Settings

☐ Employer super rate is correct (e.g. Super Guarantee rate)
☐ Default super fund is set correctly
☐ Super calculation settings are correct for:

• Ordinary Time Earnings
• Allowances
• Leave payments
• Super payment service is enabled in payroll

4. Validate Employee Super Details

☐ Super fund names are correct
☐ Unique Superannuation Identifiers (USIs) are correct
☐ No missing or inactive super funds
☐ New employees have provided valid super choice forms

5. Test Your PayDay Super Process

☐ Run a test pay run
☐ Review super amounts calculated per employee
☐ Check the Superannuation Payable Report
☐ Successfully process a super payment
☐ Reconcile the payment in your bank feed

6. Update Your Cashflow Planning

☐ Factor super payments into every pay cycle
☐ Adjust cashflow forecasts for more frequent payments
☐ Ensure payroll bank accounts can cover:

• Net wages
• PAYG withholding
• Superannuation

☐ Build a payroll buffer where possible

7. Transition Gradually (Strongly Recommended)

☐ Move from quarterly → monthly super payments
☐ Progress to fortnightly or weekly payments (if applicable)
☐ Complete transition before 30 June 2026

💡 Gradual change reduces cashflow shock and compliance risk.

8. Understand Compliance Risks

☐ Super must reach the fund within 7 business days of payday
☐ Late payments may trigger the Superannuation Guarantee Charge (SGC)
☐ There is no grace period for late super

9. Confirm Clearing House Arrangements

☐ If using the ATO SBSCH, plan an exit before 30 June 2026
☐ Choose an alternative clearing house or payroll-integrated solution
☐ Test the new system well before July 2026

10. Get Professional Support

☐ Confirm your payroll setup with your accountant or payroll advisor
☐ Review processes before 30 June 2026
☐ Seek help early if unsure about:

• System setup
• Cashflow impact
• Compliance obligations

Note: The material and contents provided in this publication are informative in nature only.  It is not intended to be advice and you should not act specifically on the basis of this information alone.  If expert assistance is required, professional advice should be obtained.