Payday Super is here. Your quarterly buffer isn’t.
Since 1 July 2026, super is due within 7 business days of every payday, not each quarter. FundTap turns your unpaid invoices into cash within hours, so you can cover super without draining working capital.
The 1 July change at a glance
- Super is now paid every payday, not quarterly
- It must reach the fund within 7 business days
- Calculated as 12% of qualifying earnings
- Miss the deadline and the super guarantee charge applies
The biggest shift to super in a decade
Payday Super went live on 1 July 2026. Here’s the short version for employers.
Paid every payday
You now pay super guarantee at the same time as salary and wages: every pay run, not once a quarter.
Within 7 business days
Contributions must be received by your employees’ funds within 7 business days of payday (20 for some new starters).
Late means the SG charge
Super is 12% of qualifying earnings. Miss the deadline and the super guarantee charge applies, and it’s not tax-deductible.
The buffer that quietly disappeared
Under the old quarterly system, the super you owed sat in your account for up to three months before it had to be paid. Plenty of businesses used that timing as a working-capital float, not deliberately, just the way cash moved.
Payday Super closes that gap. Now 12% of every payroll leaves within days, while your customers still take 30, 60, even 90 days to pay your invoices.
Late payments are already at multi-year highs heading into EOFY. Two pressures, one squeeze.
Get paid for the work you’ve already done
You’ve done the work. You’ve sent the invoice. The money is yours. It’s just sitting in accounts receivable while super comes due. FundTap lets you draw on outstanding invoices and have funds in your account within hours, so each payday super run is covered by cash you’ve already earned.
Connect your software
Link Xero, MYOB, QuickBooks or Reckon in minutes. Read-only access, with no changes to your accounts.
Choose an invoice
Pick which outstanding invoices to fund. On demand, so you’re never locked in to funding all of them.
Get paid within hours
Funds hit your account the same business day, ready for payroll and your next super run.
Invoice finance built for Australian SMEs
Not a loan, and not fixed debt. Just the cash you’re already owed, sooner.
Funds in hours
Money in your account the same business day, not weeks.
No fixed repayments
You repay when your customer pays the invoice. Cash flow stays in your control.
33% growth
Average revenue growth for FundTap customers in FY2026.
On demand, no lock-in
Fund one invoice or many. One flat fee from 4%. Use it when you need it.
What our customers say
4.9★ · 257 reviews across Google and Xero.
“Love this service. It really helps with our cashflow when our clients are slow to pay.”
“Really great service and quick payment. They really help take the edge off when waiting for clients to pay.”
“Very easy to set up and gain funding for my first invoice. FundTap were on it even on a Friday evening and I received funding as agreed. Great communication and support all the way through - highly recommend FundTap!”
“Great service and quick response time, professional staff.”
“This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.”
“Easy to use and super helpful.”
Advising clients through Payday Super?
Payday Super is landing on your clients’ desks right now, and the first question is cash flow. Invoice finance is a clean answer: it turns unpaid invoices into working capital without adding fixed debt. Partner with FundTap and stay the trusted name through every referral.
Payday Super & invoice finance, explained
Payday Super shouldn’t cost you your cash flow
Turn the invoices you’re owed into cash today, and cover every super run with money you’ve already earned.
Sign up →This page is general information about the Australian Government’s Payday Super reforms and is not tax, superannuation, or financial advice. Confirm your obligations and payment deadlines with the Australian Taxation Office or your registered adviser. FundTap provides on-demand invoice finance to small and medium businesses in Australia and New Zealand. Fees and eligibility criteria apply.