Payday Super from 1 July 2026: What NDIS Providers Must Do
Payday super starts 1 July 2026. NDIS providers must pay super every payday, not quarterly. What changes, the cash-flow hit, and how to prepare.
What payday super actually is
Payday super and the 12% rate together
Why this hits NDIS providers harder than most SMEs
The provider price is not the worker's wage, and neither is the super
What counts as OTE (and what does not)
Worked example: a fortnightly SIL payroll
The clearing house and Single Touch Payroll
Getting it wrong: the SG charge
How to prepare before 1 July 2026
Old rules versus payday super at a glance
Frequently asked questions
Does payday super increase how much super I pay?
No. Payday super changes the timing, not the amount. You still pay 12% of ordinary time earnings. The difference is that from 1 July 2026 it is due every payday, with your fund receiving it within 7 days, instead of quarterly. Confirm the current super guarantee rate on ato.gov.au.
When does payday super start for NDIS providers?
Payday super applies to all employers, including NDIS providers, from 1 July 2026. There is no NDIS-specific exemption or delay. If you run fortnightly SCHADS payroll, you will make roughly 26 super payments a year instead of four, aligned to each pay event.
How does payday super affect my cash flow under prove and pay?
It removes the super float. Previously a quarter's super could sit in your account while you waited on NDIA payments. From 1 July 2026 super leaves every pay run, at the same time digital 'prove and pay' claiming and the proposed 90-day claim window tighten cash-in. Model the gap between pay-plus-super going out and NDIA payments coming in, and hold a working-capital buffer.
What happens if my super payment is a day or two late?
It becomes the super guarantee charge, which is more costly than the super owed: it is calculated on a broader wage base, includes interest, and is not tax-deductible. Because the deadline now falls on every payday rather than quarterly, late exposure is more frequent. Remember the 7 days is measured to when the fund receives the money, so allow for clearing-house settlement time.
Do I pay super on SCHADS allowances and overtime?
You pay super on ordinary time earnings. Most SCHADS earnings, including ordinary hours, casual loading and many allowances, are OTE, but overtime and reimbursements generally are not. Check each pay item against the ATO's OTE guidance and confirm your payroll software flags super correctly, because with payday-frequency super any misclassification repeats every run.