Payday Super Ready

What is Payday Super?
Payday Super is upcoming legislation, expected to pass soon and take effect from July 1, 2026. It will change how employers pay superannuation, requiring contributions to be paid at the same time as employee wages, rather than the current quarterly system.

Current Super Payment Options & Upcoming Challenges
Currently, you might pay super by downloading a Superannuation Alternate File Format (SAFF) file and uploading it to an external clearing house, or by using the ATO's free Small Business Superannuation Clearing House (SBSCH) . While these methods work for quarterly payments, they can become very time-consuming with the more frequent weekly or fortnightly payments required under Payday Super. Furthermore, the SBSCH is scheduled to close, making a new solution essential for many businesses.

Do I Need Payday Super Ready Software?
While not mandatory, using software that is "Payday Super ready" can save you significant time and streamline your payroll process. With the July 1, 2026, deadline and the closure of the SBSCH approaching, adopting a compliant software solution now is a smart move.

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Monthly Fee

$19.95 AUD

  • Everything in the Starter Plan

  • Storage for attachments

  • Multi-currency

  • Recurring Invoices & Bills

  • Invoice & Journal Imports

  • Payroll & STP Reporting *

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Payday-Super-Flow-Diagram

Features Highlights

Swift Super Fund Processing

Once funds are received by the clearing house, payments are typically processed and sent to employee super funds within 3 business days, helping you meet your obligations promptly.

Prevent Costly Validation Errors

Our built-in validation checks your super payment batch before it's sent to the clearing house. Instantly identify and correct common errors like invalid Superannuation USIs or incorrect dates of birth, saving you time and preventing frustrating rejections.

Eliminate Manual SAFF Files

Forget about cumbersome SAFF files! With Gimbla, you create your super payment batch directly within the platform. We handle the compliant data transmission to the clearing house, streamlining your entire process.

Seamless Super Reconciliation

Easily reconcile all your superannuation payments back to the corresponding pay runs. Ensure accuracy and maintain clear financial records with minimal effort, giving you peace of mind.

How Gimbla Payroll Simplifies Super Payments

Gimbla Payroll is designed to make Payday Super compliance effortless by automating the data preparation and reporting:

  1. Process Your Pay Run: Run your payroll as usual within Gimbla Single Touch Payroll
  2. Create a Super Payment Batch: With just a few extra clicks after each pay run, you can create a super payment batch directly on our platform. This prepares all the necessary superannuation data, replacing the manual process of creating SAFF files.
  3. Data Sent for Validation & Compliance: Gimbla securely transmits your batch data to a SuperStream compliant clearing house. This clearing house then handles SuperStream compliance requirements and validates your contribution data.
  4. Pay the Clearing House Directly: Once validation is successful, Gimbla provides you with a unique payment reference and the direct bank account details for the clearing house. You then make your single super payment directly to this designated account.

Improved Cash Flow Management with Regular Super Payments

Switching to regular superannuation payments, aligned with each pay cycle, significantly improves business cash flow management. Instead of facing a substantial lump sum liability every three months – which can strain reserves and make financial forecasting challenging – businesses can integrate these smaller, more frequent contributions directly into their regular operational expenses. This transforms superannuation from a large, periodic financial shock into a predictable, manageable outflow. This approach not only smooths out cash flow, making it easier to budget and plan, but also reduces the risk of being caught short when a large quarterly payment falls due, ultimately providing greater financial stability and control.

Why Superannuation Matters

For most Australians, super will be one of their largest assets by the time they retire, alongside their family home. Its primary purpose is to provide income in retirement, reducing reliance on the Age Pension. Key benefits include:

  1. Compulsory Savings: The Superannuation Guarantee (SG) mandates employers to contribute a percentage (currently 11.5%, rising incrementally to 12% by 2025/2026) of an employee's Ordinary Time Earnings (OTE) into their nominated super fund.
  2. Tax-Effective Environment: Earnings within a super fund are generally taxed at a concessional rate of 15%, lower than most individuals' marginal income tax rates. Contributions can also offer tax advantages.
  3. Compound Growth: Over decades, even small, regular contributions can grow significantly due to the power of compound interest, where earnings generate further earnings.
  4. Choice and Control: Individuals generally have the right to choose their super fund and often their investment options within that fund, allowing them to tailor their super to their risk appetite and retirement goals.

Get Ready for Payday Super with Gimbla Payroll (AU)

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