Payday Super: Why integration makes all the difference

Under the Treasury Laws Amendment (Payday Super) Bill 2025, super contributions must reach employee funds within seven business days of payday. This shift introduces:

• Tighter cash flow: Employment Hero modelling shows a looming $124,000 working capital gap for SMBs, with one in three saying they'll need to build cash reserves to stay afloat.
• Frequent reconciliations: Reconciliations will transition from quarterly to weekly, fortnightly, or monthly.
• No room for error: The ATO’s enhanced data-matching capabilities enable real-time monitoring, leaving no margin for delays or inaccuracies.
• Structural changes: The Small Business Super Clearing House (SBSCH) will be retired in 2026, requiring businesses to adopt alternative clearing solutions.
• Payroll system strain: Manual processes and disconnected systems will struggle to meet the demands of this new regime.

⚠️ Super is only considered paid when accepted by the employee's fund, not when sent to your clearing house. Any delays or errors in processing could trigger immediate penalties.

Payday Super is not just a change in timing—it’s a fundamental shift that impacts multiple aspects of business operations. For businesses with complex payrolls, such as those in construction, healthcare, or retail, the increased frequency of payments amplifies the risk of errors, cash flow issues, and compliance failures.

Integrated payroll and super systems eliminate these risks by automating data flow, ensuring contributions are calculated, validated, and paid on time.

What happens when your payroll and super systems work as one

When payroll and super systems are connected, data flows automatically. From pay run to clearing, every contribution flows automatically. No duplicate data, no reconciliation backlog, and no compliance concerns for payroll teams.

Forward-thinking businesses prepare early. To help organisations transition smoothly, The Access Group has partnered with Beam to make Payday Super simple, compliant, and stress-free.

Here's what integrated solutions deliver:

✔ Seamless integration – Payroll and super data flow automatically, ensuring every contribution is calculated, validated, and paid on time.

✔ Built-in compliance – Award rules, salary sacrifice, and fund details are preserved and validated before each run, reducing the risk of costly errors.

✔ Complete visibility – Track payments from payroll to super fund in real time, with instant alerts if anything needs attention.

✔ Early testing environment – Simulate Payday Super now while quarterly payments still apply, so that you're fully prepared before July 2026.

The result? No double entry, no manual reconciliation, and no compliance pressure — just accurate, automated super every payday.

Ready to make Payday Super effortless? Discover how Access MicrOpay and Beam help businesses simplify Payday Super compliance ahead of the change.

With the countdown underway, businesses can take these steps to get ready:

1. Audit now

• Validate employee details
• Review processes
• Calculate the cash flow impact of fortnightly payments

2. Test early

• Map workflows
• Ensure data accuracy
• Consider integrated solutions like Access MicrOpay and Beam Super
  
  

3. Implement

• Train teams
• Document procedures
• Thoroughly test workflows before July 2026

⚠️ The shocking reality is that 15% of SMBs are still unaware of these changes, which gives businesses that prepare early a competitive advantage and peace of mind when Payday Super finally comes around.

Payday Super may seem daunting, but with the right tools, it’s just another payday. Integrated solutions from The Access Group and Beam transform this significant change into a seamless process, ensuring compliance without added complexity.

Payday Super? It's just another payday with the right software.

Join leading businesses already using Access MicrOpay and Beam. Speak to a specialist or book a demo to see it in action so that when July 2026 comes around, it’s just another payday.