Payday Super-Ready Superannuation Software

Stay ahead of Payday Super reforms with the superannuation software built for Australian businesses. Our comprehensive solution delivers:

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Payday Super Changes

Starting 1 July 2026, Super Guarantee moves from quarterly to each pay cycle. Super payments will need to be processed every payday, and the employee’s fund must receive the contribution no later than 7 business days after the pay date.

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Reliable Superannuation Software for Payday Super

Automate qualifying earnings-based SG, meet payday timelines and keep clear contribution records.

Worried about paying super that is due every payday?

  • Accurate SG automation: Auto-calculate SG each pay run using QE rules and the current SG rate
  • Seamless process: Process super with payroll in one workflow, then generate SuperStream files for submission
  • On-time payment: Keep contributions credited on time within 7 business days and avoid SGC risk
  • Cashflow visibility: See upcoming super liabilities per pay cycle with reporting to support budgeting

Current and new employee details slowing down process?

  • Faster onboarding capture: Collect stapled fund/SMSF details during onboarding to reduce follow-ups
  • Exception tracking: Monitor the first-payment window (up to 20 business days where applicable) with reminders
  • Error prevention: Validate fund/member details upfront to reduce rejects and payment delays

Having trouble with compliant reporting for every contribution?

  • Contribution history: Generate a contribution record every pay run (amount, fund, date) automatically
  • Compliance-ready storage: Keep contribution and change history for minimum 5 years ready for ATO audit
  • Clear reporting: Export clear reports and payslip breakdowns showing QE and SG amounts quickly

Manage Payday Super Confidently with Intuitive Superannuation Software

Configure once and let Workstem handle qualifying earnings (QE), contributions and deadlines every pay run.

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Super Setup & Payday Rules from Day One

Capture fund choices and set qualifying earnings (QE) correctly from the first onboarding step.

  • Smart onboarding: Capture employee super choices and stapled fund details during onboarding
  • Well‑stored historical records: Track fund changes, rate changes, and contribution updates over time
  • Easy QE setup: Set what counts as qualifying earnings so SG calculates consistently.

Faster Contribution Processing to Save Time

Run wages and super in one flow for a simplified process from calculation to Superstream submission.

  • Streamline pay runs: Wages, deductions, tax and super contributions are handled in every pay run so nothing is missed
  • Error prevention: Detect missing or inconsistent details (e.g. TFN, fund or member info) before submission.

Automated SG Calculations & Compliant Submissions

Auto-calculate SG on qualifying earnings and lodge compliant STP2 and SuperStream files every pay run.

  • Accurate calculations: Automatically calculate qualifying earnings (QE) including ordinary time earnings (OTE), penalties, loadings, leaves, allowances and apply the SG rate; adjust for multiple pay frequencies.
  • STP Phase 2 & SuperStream: Generate the files and reports you need each pay cycle; report qualifying earnings and super liabilities via STP.

Contribution History, Reports & Insights

Keep a clear record of every contribution with ready-to-export reports.

  • Contribution records per pay period: Track paid vs pending, and apply extended first-payment windows where relevant.
  • Employee transparency: Payslips show qualifying earnings, SG amounts and fund details, so employees see exactly what they’ve earned and contributed.
  • Report & analytics: Exportable reports by fund, employee or period to spot issues early and stay compliant.

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Frequently Asked Questions

What is Payday Super?

Payday Super is a major reform effective 1 July 2026 that requires employers to pay super guarantee contributions to their employees’ super fund on the same day as wages are paid. The contribution must be received by the super fund within 7 business days after payday. Employers must also report both qualifying earnings and super liability through STP.

What is qualifying earnings (QE)?

Qualifying earnings (QE) is a new term for the types of payments made to employees that are used to calculate the minimum super guarantee (SG) that the employer must pay under Payday Super to avoid the super guarantee charge (SGC).

From 1 July 2026, all employers will use qualifying earnings as the base to calculate both the SG amount and the SGC. Currently employers calculate SG and SGC on different earnings bases.

How is QE different to OTE?

Qualifying earnings include the following.

  • Ordinary time earnings (OTE), i.e. payments for ordinary hours of work, including certain types of paid leave, allowances, bonuses and lump sum payments. There are no changes to what payments are considered OTE under Payday Super.
  • Commissions paid to an employee, including commissions paid for work outside of an employee’s ordinary hours.
  • Salary sacrifice amounts that would qualify as qualifying earnings had they not been sacrificed to superannuation.
  • Payments made to workers who fall under the expanded definition of employee, including payments to independent contractors paid mainly for their labour.

Some payments may fall into more than one category of qualifying earnings, such as commissions. Those payments will only be counted once in full to work out the employee’s qualifying earnings.

For many employees, their QE will equal their OTE.

How does Workstem help me comply with Payday Super?

Workstem automates SG calculations on qualifying earnings, pays contributions on payday and ensures that contributions reach the fund within the 7‑day deadline. It updates the SG rate and rules, generates super files, integrates with clearing houses and reports both QE and liabilities through STP.

Does Workstem support stapled funds?

Workstem records stapled fund details and allows you to request them during onboarding. This ensures you offer the stapled fund alongside the choice form, in line with ATO requirements.

Which superannuation funds are supported by Workstem?

Workstem supports most superannuation funds in Australia, including but not limited to commonly used funds such as AustralianSuper, REST Super, Sunsuper, Hostplus, Cbus Super, HESTA Super, UniSuper, CareSuper, First State Super, and QSuper.

Can I set up multiple superannuation funds in Workstem’s HR system?

Yes, you can easily set up and manage multiple superannuation funds in Workstem’s HR system, including popular funds such as Australian Super, Sunsuper, NGS Super, SMSFs and more. Workstem records detailed contributions and helps you efficiently manage employees’ superannuation contributions, regardless of which fund they are using.

How are the additional contributions set and calculated in Australian superannuation funds?

Workstem’s HR system can calculate and apply additional contributions in Australian superannuation funds automatically, based on a fixed amount or percentage of gross earnings. Employers should ensure compliance with Australian government regulations regarding the limits on additional contributions per financial year.