⚠   Payday Super commences 1 July 2026 — that's weeks away. Your clients need action now.
Free Practice Guide · Payroll Compliance

The no-nonsense Payday Super guide
for accountants & bookkeepers.

Get the complete guide for accountants and bookkeepers — the 7-day rule, SBSCH closure, cash flow impact, and two actionable readiness checklists — before 1 July 2026.

  • The 7-day receipt rule — what it really means for your clients' payroll workflow
  • SBSCH closure by 30 June 2026 — who's affected and what they need to do now
  • Cash flow impact — the July double-payment risk and how to help clients prepare
  • New SGC penalties — interest from day 8, near real-time ATO visibility via STP
  • 10-item client readiness checklist — interactive, saveable, shareable with clients
15 min read · ATO-sourced guidance · April 2026 · Free
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Read the guide free.

10 sections. 15 minutes. No fluff — just what your practice needs before the deadline.

What's inside

10 sections covering every angle of Payday Super.

From the basics to the edge cases — written for practitioners who need to act, not academics who need to theorise.

01
What is Payday Super?
The shift from quarterly to per-payday — who it affects and why there are no carve-outs.
02
The 7-Business-Day Rule
Why "received by the fund" is harder than it looks, and the practical workflow change required.
03
Qualifying Earnings vs OTE
What's in, what's out, and what salary sacrifice changes mean for your clients.
04
SBSCH Closure
The free ATO clearing house closes 30 June 2026 — permanently. What to do right now.
05
Cash Flow Impact
The July double-payment crunch, the loss of the quarterly buffer, and five strategies to recommend.
06
Penalties & the New SGC
Interest compounds from day 8. Near real-time ATO visibility via STP changes everything.
07
Software Readiness
What to check in Xero, MYOB and QuickBooks before the first post-cutover pay run.
08
Client Readiness Checklist
10 items every employer must be able to answer yes to before 30 June 2026. Interactive and saveable.
09
Practice Readiness Checklist
How to segment your client base by risk and a timeline of key milestones for your practice.
10
How Lessn Can Help
Paying super with a credit card — how Lessn extends effective payment terms without missing the deadline.
Lessn — Payday Super Ready

Meet the super deadline every pay run — without draining the operating account.

Payday Super isn't just a compliance change — it's a permanent cash flow shift. The quarterly buffer your clients have quietly relied on for working capital is gone from 1 July. For businesses with tight debtor cycles or lumpy revenue, finding the cash every fortnight is a real pressure.

Lessn solves this with a genuinely different approach: pay any business invoice — including payroll — using your credit card. Your clients can settle their biggest outgoings on time, every time, while using their card's interest-free period to extend effective payment terms by up to 55 days.

Pay payroll on your credit card Cover payroll each pay cycle, keep cash in the account, and earn rewards points on one of your biggest recurring outgoings.
Up to 55 days interest-free Use your card's interest-free period to extend when cash actually leaves the business — without missing a single compliance deadline.
Xero-native integration Super liabilities calculated and flagged directly in Xero — no separate system, no manual reconciliation step.
Any invoice Lessn works across all business payables — so your clients can smooth cash flow on every outgoing, not just super.
"Using Lessn, I can pay all my bills with a credit card and get more reward points. My points value has skyrocketed — and now I'm flying my family to Europe in business class using points."
RA
Rafael Aruch
Founder & CEO, Bake Bar
No commitment required · Typically 30 minutes · Available for accountants & bookkeepers
Why this matters — right now
80%
of Australians unaware of Payday Super
McCrindle / MLC research
58%
of SMEs had never heard of the reform
Employment Hero 2026
12%
Super Guarantee rate — unchanged,
but now due on every single pay run