5:30 PM : Welcome & Introductions
Welcome and introductions by Mandar Erande
PAYDAY SUPER WEBINAR
From July 1, 2026, Australian employers will be required to make superannuation guarantee (SG) contributions alongside salaries and wages, rather than on a quarterly basis. These contributions must be deposited into the employee’s superannuation fund within seven business days of the payday. Employers must ensure super is paid on time, in full, and to the correct fund to avoid penalties. The PayDay super legislation aims to enhance retirement outcomes by improving compounding and increasing employees’ visibility into their superannuation.
How will Payday Super affect recruiters and employers? What does the compliance roadmap look like? How will paying weekly superannuation affect recruiters’ cash flow and banking management? Are your payroll systems and software ready to adjust to the changes in pay cycles? What will happen to employee information and data accuracy?
All these questions will be answered at our PAYDAY SUPER WEBINAR. Register now!
PAY DAY SUPER SPEAKERS & AGENDA
Tuesday 17 Feb 2026
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RAJ SESHA
Raj Sesha is the Founder of SDP Global Pay and TemPay, with over 20 years of experience driving innovation in global workforce solutions. His leadership focuses on trust, integrity, and delivering seamless cross-border employment and efficiency for Australian consulting and recruitment firms.
ELAINE McKELVEY
With a deep understanding of international workforce management, Elaine helps businesses navigate the complexities of global hiring, ensuring seamless onboarding, compliance, and talent retention across borders.
MICHAEL ABBOTT
Michael brings over 20 years of superannuation experience, combining operational and management expertise. He focuses on ensuring business partners have the right information at the right time and embraces technology to deliver better outcomes.
MANDAR ERANDE
Mandar helps recruitment and consultancy firms, from startups to global enterprises, scale faster with risk-free funding and payroll solutions. In his time at SDP, he’s earned a reputation as both a strategic problem-solver and a trusted advisor.
Payday Super
Cash-Flow Impact Calculator
From 1 July 2026, super must be paid every payroll, not quarterly. This calculator shows the real cash-flow impact of that change.
What this calculator shows
Funding Impact for Agencies
One-off July impact
- When Payday Super begins, agencies lose access to super cash they previously held.
- The calculator estimates this one-off cash gap, so there are no surprises.
Total funding required
It also shows the true cash required to fund payroll on an ongoing basis, including: Wages, Super, Payroll tax, Workcover & payroll on-costs and Funding costs. This reflects real-world working capital needs and not just wages alone.
Why this matters for recruitment agencies
- Recruitment agencies pay wages regularly, but clients pay later.
- Previously, quarterly super created a natural cash buffer. Payday Super removes that buffer.
- For recruitment agencies, that timing change can materially affect growth and liquidity.
Payroll Funding Calculator
Inputs
All numeric fields are numbers only.
Results
Updates in-place on recalculate
Cash Flow Impact
| Metric | Value |
|---|
Funding Breakdown
| Item | Per payroll |
|---|
Tip: on mobile, swipe horizontally on the tables if needed.
How the calculator works
Payroll is paid continuously, invoices are raised periodically, and clients pay later. On average, wages are paid halfway through the billing cycle (e.g. Payday is Thursday for the invoices we may create on Monday).
So the calculator uses:
Average cash gap = (Invoice cycle ? 2) + Payment terms. This is a standard, conservative cash-flow approach that SDP recommends.
Key assumptions (clear and conservative)
Super: 12%
Payroll tax: 6%
Workcover & payroll on costs: 3%
Funding cost: 1%
Total on-cost uplift: 22%
Interest rate on lost super float: 12% p.a.
Average quarterly super float: ~11 weeks
PAYDAY SUPER FAQs
What is PayDay Super?
The Federal government has passed legislation that will mean employers, from 1 July 2026, will need to pay superannuation contributions at the same time as salary and wages. Known as Payday super, this is a significant shift from the current quarterly payment requirements and is designed to strengthen the superannuation system by ensuring contributions are made promptly and transparently.
ATO’s clearinghouse closing
The ATO’s Small Business Superannuation Clearing House (SBSCH) will close on 1 July 2026, meaning employers that use it will have to find another way to pay super. Find out more about the closure and what you can do next.
Qualified earnings
Payday is the date that an employer makes a qualifying earnings (QE) payment to an employee. QE comprises salary, wages, salary sacrifice super contributions and any other payments that qualify for the SG.
Payment Deadline
Employers will have 7 business days to pay their employee’s super after payday. Super funds will now have 3 business days, down from 20, to allocate or return contributions – meaning that data employers send will need to be high quality.
Super Guarantee Charge
Employers will be liable for the super guarantee charge (SGC) unless super payments are successfully received in the super fund bank account no later than 7 business days after payday (QE day).
Charges to SGC
Employers that don’t pay employees’ super in full and on time will be charged interest and penalties. Employers can face extra charges and fees if they don’t pay all super entitlements within 28 days of receiving an ATO notice.
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