You cannot assume your current payroll system is Payday‑Super‑ready
Evidence shows many systems must undergo significant upgrades, particularly those using:
Manual super uploads
Quarterly workflows
The SBSCH (Small Business Superannuation Clearing House)
Legacy architectures without real‑time validation
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Did you know?
15% of SMBs are still unaware of these changes — which gives businesses that prepare early a significant competitive advantage and peace of mind when Payday Super finally comes around.
📋 How it works: Answer the questions across 5 key readiness areas. Each answer is scored 0–2. Your total score maps to a maturity level so you can see exactly where you stand — and what to do next — before the ATO's Payday Super deadline of 1 July 2026.
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Before you begin Optional
Answer only if applicable — does not affect your readiness score
A
Do you currently use the Small Business Superannuation Clearing House (SBSCH) to pay super? Not scored
B
Have you found a new Superannuation Clearing House to use?
ℹ️ The ATO is closing the SBSCH. Businesses currently using it will need to transition to a compliant clearing house before 1 July 2026.
Your progress0 of 13 answered
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Payroll & Super System Readiness
Is your technology configured and tested for Payday Super?
2 questions
1
Is your payroll system capable of processing super contributions every pay run (not just monthly or quarterly)? ⚠ critical
💡 All Access Payroll products can process super contributions every pay run.
2
Has your payroll software provider confirmed readiness for the Payday Super changes coming in 2026?
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Employee Data Accuracy
Are your employee records clean and ready for per-pay-run super?
3 questions
3
Are all employee super fund details (USI, member numbers, ABN) validated and up to date? ⚠ critical
4
Have you identified and resolved any employees with missing or incorrect TFNs?
5
Have you audited super entitlements for casual, part-time, and variable-hours employees?
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Which payment method are you planning to use?
Select an option to see clearing timelines and what it means for your 7-day deadline
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⭐ Best option
Osko (NPP)
Real-time to SCH, 24/7
Real-time
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PayTo
Real-time pull to SCH
Real-time⚠ $25K limit
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Direct Debit (BECS)
3 biz days to reach SCH
+3 biz days to SCH
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ABA File Upload
Batch file — 2 biz days to SCH
+2 biz days to SCH
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Has your super clearing house confirmed when they will be ready to process super payments via the NPP in line with Payday Super requirements? Not scored
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Cashflow & Financial Planning
Has your finance team planned for the increased payment frequency?
3 questions
6
Have you modelled the cashflow impact of paying super every pay run instead of quarterly? ⚠ critical
7
Has your finance department been briefed on the working capital implications of Payday Super?
8
Do you have sufficient working capital or credit facilities to support per-pay-run super payments?
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Process, Compliance & Governance
Are your workflows documented, tested, and governed?
2 questions
9
Is there a governance owner (e.g. payroll manager or CFO) accountable for Payday Super compliance?
10
How prepared and adequately resourced is your business to manage Payday Super corrections and resubmissions within the required timeframes (including Day‑3 error bounce‑backs)?
The Access Group is here to help
If you need additional expertise or operational support, we offer payroll consulting, recruitment services, and managed payroll solutions to ensure you have the right resources in place to meet your Payday Super obligations with confidence.
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People, Training & Awareness
Are your team and stakeholders prepared for the change?
3 questions
11
Has your payroll team been trained on the new Payday Super obligations and processes?
12
Have senior leaders (CEO, CFO, board) been informed of the compliance risk and timeline?
13
Have you engaged your payroll software provider or implementation partner to support the transition?
Payday Super Readiness Score
0%
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Total score (out of 26)
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Critical gaps flagged
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Maturity level
Score by Readiness Area
Your Action Plan
Download Your Report
📄 Get your personalised Payday Super Readiness Report
Enter your details below to download a PDF summary of your score, maturity level, area breakdown, and action plan — ready to share with your leadership team.
🔒 Your details are used only to personalise your report.