Payday Super

What Medical Practice Owners Need to Know 

From 1 July 2026, the new Payday Super laws will require all employers to pay super at the same time as wages, rather than quarterly. For medical practice owners, this represents one of the most significant shifts in recent years in terms of payroll and cash flow.

Why It Matters to Your Practice

Payday Super strengthens employee protections by ensuring super is paid on time and in line with each pay cycle. While the change benefits staff by improving visibility and boosting long-term retirement savings, it does introduce new responsibilities and administrative requirements for you and your payroll team.

Operational and System Changes

To comply with the new rules, practices will need accurate and verified superannuation details before an employee’s first pay run. Any missing or outdated fund information may delay payments and create compliance issues.

Transitional pay runs around July 2026 will require extra care to ensure the correct rules apply. Practices using manual clearing houses or older payroll configurations may need to upgrade or reconfigure their systems to handle per-pay-cycle super.

Cash Flow Implications

Many practices currently rely on the timing of quarterly super, along with incentives or other lump-sum income, to help manage cash flow. Under Payday Super, super becomes a regular, ongoing outflow aligned with wages. This will require updated budgets and cash-flow projections to ensure weekly or fortnightly super payments can be met without feeling the pressure.

Reputational and Compliance Risks

Late or missed super contributions already attract ATO penalties, but they also damage staff trust. In a competitive workforce environment, super delays can undermine your practice’s reputation as a responsible and attractive employer. Payday Super aims to eliminate these issues through increased ATO visibility and real-time reporting.

Automation Changes for GrowthMD Clients

To support smooth compliance, GrowthMD clients will be encouraged to transition away from ATO or clearing house uploads to fully automated super payments (if they haven't transitioned already). Automation reduces risk, eliminates human error, and ensures super is paid accurately with every pay run.

GrowthMD will work closely with your practice to prepare early and minimise any compliance or cash flow impacts.