SuperReady

What is Payday Super?

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Payday Super is a change to Australian superannuation law that requires employers to pay superannuation contributions on each payday, rather than quarterly.

Under the current rules, employers must pay SG contributions to a super fund within 28 days after the end of each quarter. From 1 July 2026, that changes: super must be paid on every payday and received by the super fund within 7 business days.

This change is designed to ensure employees receive their super more regularly - and to give the ATO greater visibility over compliance in real time.

What This Means for Your Business

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Cash flow and payroll timing

The most significant operational impact is frequency. Instead of making four super payments per year, you will now make a super payment every time you run payroll. For businesses running weekly payroll, that is up to 52 payments per year.

This affects cash flow planning - super funds must be available at the time of each pay run, not accumulated over a quarter. We recommend reviewing your payroll funding process with your finance team ahead of 1 July 2026.

How super is calculated is also changing

The contribution base changes from Ordinary Time Earnings (OTE) to Qualifying Earnings (QE). QE is broader - it includes OTE, salary sacrifice contributions, and certain other amounts. You will also need to report both QE and super liability through Single Touch Payroll (STP), where currently only one or the other is required.

Your EOH configuration settings for pay components (allowances, additions, deductions, member shifts) must be reviewed to ensure they are correctly flagged for QE. See the Action Checklist section for details.

Mandatory member validation before contributions

From 1 July 2026, you cannot process a super contribution for an employee until their super fund details have been validated via a Member Validation Request (MVR). This is an automated check performed by EOH through Ozedi. If an employee's details are not validated, they will appear as 'Not Ready' in the system, and contributions cannot be processed for them.

Stapled fund lookup becomes mandatory

Previously, checking whether a new employee had an existing 'stapled' super fund was optional. From 1 July 2026, this lookup is mandatory. If a stapled fund is found, it must be presented to the employee alongside other available options during super fund selection. This process is automated via the Entire OnHire Flare integration.

To enable this, you must authorise Flare to access the ATO's stapled fund lookup service via the ATO Access Manager. Entire suggests this be completed by 1^st June 2026. See the Action Checklist for steps & links.

SBSCH is being decommissioned

If you currently use the Small Business Superannuation Clearing House (SBSCH) to pay super contributions, you must transition to an alternative clearing house before 1 July 2026. The SBSCH is closed to new users from 1 October 2025 and will be fully decommissioned on 30 June 2026. 

Summary of Changes

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The table below compares how superannuation works today against the new requirements from 1 July 2026.

Area	Current Process	From 1 July 2026
Payment deadline	SG contributions must be received by the super fund within 28 days after the end of each quarter. Due dates: 28 October, 28 January, 28 April, 28 July.	SG contributions must be made on each payday and received by the super fund within 7 business days. Extended deadlines apply for new employees (20 business days) and in exceptional circumstances approved by the ATO. ATO Link: Payment deadlines for Payday Super
Super calculation base	12% of Ordinary Time Earnings (OTE).	12% of Qualifying Earnings (QE). QE includes OTE, salary sacrifice contributions, and certain other payments. Click here for more details.
STP reporting	Report either OTE or super liability through STP.	Report both QE and super liability through STP.
Late payment penalty (SGC)	SGC applies if contributions are not received within 28 days after the quarter end. Assessed by employer self-assessment. Based on salary and wages. Interest at 10% p.a. Flat admin fee. Not tax deductible.	SGC applies if contributions are not received within 7 business days of payday. Assessed by the ATO. Based on QE. Interest compounded daily at the General Interest Charge (GIC) rate. Administrative uplift may apply. Tax deductible.
Maximum penalty	Up to 200% of the SGC, which may be remitted in part or full.	25% or 50% of unpaid SGC, depending on compliance history.
SBSCH	Available to existing users until 30 June 2026. Closed to new users from 1 October 2025.	No longer available.
Member validation (MVR)	Not required.	Mandatory before any super contribution can be processed. EOH performs this automatically via Ozedi.
Stapled fund lookup	Optional during onboarding.	Mandatory for businesses using Flare during onboarding. Must be presented to the employee if found.

What is SuperReady & How it Works?

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SuperReady is the EoH feature set that supports your compliance with Payday Super. It handles super calculation, member validation, fund selection, reporting, and (coming soon) automated contribution payments - all within your existing EOH workflow.

Here is how the end-to-end process works once SuperReady is configured:

Step 1 - Configure super settings - Click here for more details.

Set up your Employer Payroll Profile and SuperReady Configuration Settings within EOH. This includes your organisation details, super fund identifiers, and which compliance features are active (e.g., TFN Declaration, Stapled Fund lookup). Each legal entity you use for hiring must be registered separately.

Step 2 - Register with Ozedi and Flare - Click here for more details.

Ozedi handles automated MVR/MRR compliance checks. Flare handles TFN Declaration submissions to the ATO and stapled fund lookups. Both registrations are completed within EOH. An Ozedi Client ID is generated upon successful registration.

Step 3 - Validate member super details (MVR/MRR) - Click here for more details.

Before a super contribution can be processed, EoH automatically sends a Member Validation Request (MVR) to the relevant super fund to confirm the employee's details are correct. For new employees joining your default fund, a Member Registration Request (MRR) is sent instead. The system updates the employee's SuperReady Status to 'Ready' or 'Not Ready' based on the fund's response.

Note: Not all super funds will support MVR requests by 1 July 2026. The Entire OnHire system automatically identifies eligible funds and sends requests accordingly when super fund details are saved. Based on the super fund response (accept/reject), the system automatically updates the member/ applicant SuperReady Status to Ready / Not Ready.

Step 4 - TFN declaration and super fund selection - Click here for more details.

During onboarding, employees submit their TFN Declaration to the ATO via the Applicant Portal or Workforce App (powered by Flare). The system then retrieves and displays the employee's stapled fund (if one exists) alongside other fund options for them to choose from.

Step 5 - Super calculation on Qualifying Earnings - Click here for more details.

For each pay run, EOH calculates super based on QE as configured in your pay component settings. This includes all additions, deductions, allowances, and member shift components flagged as QE-applicable.

Step 6 - SuperReady reports - Click here for more details.

At the end of each payroll week, SuperReady reports provide a summary of super contributions due. These can be exported and imported into your existing clearing house for payment processing.

Step 7 - SuperReady Status of Member/Applicant - Click here for more details.

Shows whether a member/applicant is ready for super processing based on successful MVR/MRR compliance checks and valid super fund details.  

Payment Flow: Before and After Payday Super

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The diagram below illustrates how super payment timing is changing.

CURRENT - Quarterly payments - Pay run occurs - Super accumulates in the employer account - Up to 3 months pass - Quarterly payment made - Fund receives within 28 days of quarter end

FROM 1 JULY 2026 - Payday payments - Pay run occurs - Super calculated on QE at the same time as wages - Payment initiated on payday - Fund must be received within 7 business days

ATO Compliance Approach - First Year

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The ATO has confirmed its compliance approach for the first year of Payday Super (1 July 2026 to 30 June 2027). In summary:

Employers who are genuinely trying to comply and who resolve issues quickly will not be the primary focus of ATO compliance action during this transition period. However, this is not a grace period - the new rules apply from 1 July 2026, and the SGC will apply to late or missed payments.

Your Action Checklist - Complete Before 1 July 2026

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You have six configuration tasks to complete in EOH before Payday Super takes effect. Work through these in order, as some steps depend on earlier ones being complete.

#	Action	Link	Deadline	Status
1	Configure your Employer Payroll Profile in EoH for each legal entity (Organisation & Payroll, Contact & Address, Super Fund Identifier sections).	Employer Payroll Profiler	Before 5 June 2026
2	Complete SuperReady Setup & Authorisation in EoH for each entity, including enabling required feature flags (SuperReady, TFN Declaration, Stapled Fund lookup).	SuperReady Setup & Authorisation	Before 5 June 2026
3	Register each entity with Ozedi (via EOH) to enable MVR/MRR compliance checks. An Ozedi Client ID will be generated on completion.	Ozedi Registration	Before 5 June 2026
4	Register with Flare (via EOH) to enable TFN Declaration submissions and stapled fund lookups via the Applicant Portal and Workforce App.	Flare TFN Registration - Applicant Portal - Workforce App	Before 5 June 2026
5	Review and update super configuration in Master Settings - check Additions & Deductions Master, Allowance Master, and Member Shifts Master to ensure all components are correctly flagged for QE. CAUTION: Ensure careful review & confirmation of settings as they have a direct impact on Qualified Earnings (QE) calculations and superannuation payments. These configurations are your responsibility (the client)	Qualified Earnings - Additions & Deductions Master - Allowances Master - Member Shifts Master	Before 5 June 2026
6	Register your SSID (Software Service ID) with the ATO to enable STP submissions and super reporting compliance.	SSID Registration	Before 5 June 2026
7	Authorise Flare to access the ATO stapled fund lookup service via the ATO Access Manager. This must be completed before 1 July 2026 to avoid disruption to employee onboarding.	Flare Stapled Fund LookUp	Before 5 June 2026
8	If you use SBSCH, transition to an alternative super clearing house. SBSCH is decommissioned from 1 July 2026.		Before 5 June 2026

Member Super Health (coming soon)

Once SuperReady is active, a Member Super Health dashboard will provide you a full overview of your workforce's super compliance status, including MVR/MRR outcomes, Super Status, and TFN declarations.

In the meantime, all existing members will initially appear with a Super Status of 'Not Ready'. You should set members to 'Ready' manually where you know their super details are correct based on previous payment history. Once live, the system will automatically update statuses when super details are added or changed.

SuperReady Updates Across the System

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Payday Super changes have been rolled out across all EOH portals and apps. Refer to the linked articles for details on what has changed in each area:

• Payday Super Readiness Checklist
• SuperReady Activation Scenarios and System Behaviour
• Staff Portal - SuperReady Updates
• Finance Portal - SuperReady Updates
• Applicant Portal - SuperReady Updates
• Workforce App - SuperReady Updates
• SuperReady Auto - Contribution Payment Process (coming soon)

Need Help?

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The Xeople support team is available to assist with any SuperReady configuration queries. Reach out via:

• Email: support@xeople.com 
• Knowledge Base: SuperReady Articles 

We strongly recommend completing all checklist items as early as possible. With less than two months to the deadline, early action gives you time to troubleshoot any issues before 1 July 2026.

Glossary

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The following terms are used throughout this article.

Term	What it means
ATO	Australian Taxation Office - the federal body responsible for superannuation compliance and reporting.
EOH	Entire OnHire - the workforce management platform you use to manage payroll and super.
Flare	A third-party service integrated with EOH for TFN declarations and stapled fund lookups.
MVR	Member Validation Request - an automated check that verifies an employee's super fund details before any contribution is made.
MRR	Member Registration Request - an automated process to register a new employee with your default super fund.
NPP	New Payments Platform - a modern Australian payment rail enabling near real-time bank transfers.
OTE	Ordinary Time Earnings - the base measure used for calculating super under the current rules (before 1 July 2026).
Ozedi	A third-party compliance provider integrated with EOH for MVR/MRR checks.
QE	Qualifying Earnings - the new measure for calculating super from 1 July 2026. Includes OTE plus salary sacrifice and certain other payments.
SBSCH	Small Business Superannuation Clearing House - a government service being decommissioned. No longer available from 1 July 2026.
SG	Superannuation Guarantee - the minimum super contribution rate employers must pay. Currently 12% of QE.
SGC	Super Guarantee Charge - the penalty applied when super is paid late or incorrectly.
SSID	Software Service ID - a unique identifier you must register with the ATO to submit STP reports.
STP	Single Touch Payroll - the ATO's real-time payroll reporting system.
TFN	Tax File Number - an employee's unique tax identifier, required for super fund registration.
Stapled Fund	An employee's existing super fund that follows them from job to job. Employers must now look this up and present it during onboarding.

 

 

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