Payday Super

Payday Super

The ATO has confirmed that Payday Super will start from the 1st of July 2026, meaning super contributions need to be paid at the same time as each pay.
While the ATO has released preparation checklists (including Payday Super checklist for employers - ATO), there is currently limited action required from you. CloudPayroll is actively preparing to ensure compliance before the 1st of July 2026.

At this stage, there will be some requirements for all clients; however, these will not be finalised until closer to the implementation date. Please keep an eye on your dashboard for updates and any required actions.

Qualifying Earnings

For some businesses, there may be special pay elements that need to be reviewed. In the coming months, we will make a report available for you to review this information and provide further guidance. Where possible, we will update these on your behalf in line with ATO guidance, which can be found via the following link. If you would like more information on what qualifying earnings are, please review the following explaining qualifying earnings on the ATO.

Managing your own Superannuation Payments?

We are making some changes in the coming months to support smoother processing. These include updated SAFF options, improved warnings for missing super fund details, clearer steps, and the option to exclude transactions from your SAFF.
If you are currently managing your own super payments, but are interested in CloudPayroll automated option, please email help@cloudpayroll.com.au or call us for more information. 

Payment Method

To support faster payment processing, Direct Debit (which currently takes 4 working days to see cleared funds) will be retired later this year, and your superannuation payment method will need to be updated.

PayTo agreement - This is a one-off authorization where payments must be authorised through your bank before any funds are paid. More information will be provided closer to the time. As each bank has a slightly different process, we will provide guidance for all major banking platforms. Pay To explainer video
 
Direct Credit - This option will require you to pay the total super amount directly to our Clearing House. We will provide a reference number to allow for easy payment matching on our side. If you use an ABA file, you will have the option to include this amount within the same file.

Member Verification Requests

Member Verification Requests (MVR) enable you to confirm that an employee’s super fund details are correct and that the fund can accept contributions before any payments are made. 
Super funds will verify whether the employee is linked to an active account and confirm that contributions can be processed before you are required to make any payments. If the fund is unable to match the employee’s information, it will provide a reason so you can address any issues with the employee before submitting the contribution.

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