Supporting super funds, protecting members, and helping employers stay compliant.
Payday Super will require employers to pay superannuation contributions on the same day they pay wages. This legislative reform is designed to reduce unpaid and underpaid super, improve transparency for employees, and enable earlier intervention. Payday Super is expected to benefit approximately 8.9 million employees across Australia.
Under the proposed legislation, super contributions must be received by the employee’s fund within seven calendar days of payday. Funds will also need to allocate these contributions within three business days. Employers who make late or incomplete superannuation payments may be liable for the Super Guarantee Charge (SGC), which includes the shortfall amount, interest, and an administrative fee. As a result, both super funds and employers have significant preparation to undertake ahead of the implementation of Payday Super.
IFS’ Payday Super Service Model
To support employers and funds through this transition, IFS has developed a phased service model that combines education, recovery, and legal support.
It’s a pleasure to work with the team at IFS Unpaid Super. They’re always supportive of our fund and work with us to deliver valued services that bring important benefits to our members.
Launching in January 2026, this campaign will proactively contact employers with existing arrears to assess their readiness for Payday Super. Our team will gather insights on current and future pay cycles, provide educational resources, and offer chatbot support to answer employer queries. The campaign will also include email banners to raise awareness and deliver fund-level reporting on employer engagement.
From FY27, IFS will roll out an education-focused outreach program targeting employers with overdue contributions. This initiative will prioritise employers based on size and fund requirements, offering guidance on voluntary disclosure obligations and calculating estimated interest. The goal is to reduce arrears by educating employers, while enhancing data quality for fund reporting.
IFS will continue to deliver targeted arrears recovery through a multi-channel approach. Employers will receive timely reminders via SMS and calls, assistance with payment allocation, and follow-up communications. If contributions remain unpaid, we will escalate the matter through demand letters and Australian Taxation Office (ATO) referrals.
For cases where recovery efforts have been exhausted, IFS offers legal and insolvency pathways to pursue outstanding entitlements. We also support employers in completing voluntary disclosure documentation, helping them self-correct before ATO intervention.
Launching in January 2026, this campaign will proactively contact employers with existing arrears to assess their readiness for Payday Super. Our team will gather insights on current and future pay cycles, provide educational resources, and offer chatbot support to answer employer queries. The campaign will also include email banners to raise awareness and deliver fund-level reporting on employer engagement.
From FY27, IFS will roll out an education-focused outreach program targeting employers with overdue contributions. This initiative will prioritise employers based on size and fund requirements, offering guidance on voluntary disclosure obligations and calculating estimated interest. The goal is to reduce arrears by educating employers, while enhancing data quality for fund reporting.
IFS will continue to deliver targeted arrears recovery through a multi-channel approach. Employers will receive timely reminders via SMS and calls, assistance with payment allocation, and follow-up communications. If contributions remain unpaid, we will escalate the matter through demand letters and Australian Taxation Office (ATO) referrals.
Super Escalation Services
For cases where recovery efforts have been exhausted, IFS offers legal and insolvency pathways to pursue outstanding entitlements. We also support employers in completing voluntary disclosure documentation, helping them self-correct before ATO intervention.
Technology-Driven Compliance
We are investing in intelligent automation and artificial intelligence (AI) to deliver real-time compliance and proactive recovery. Our systems will enable predictive analytics to identify high-risk employers, automate workflows, and provide chatbot support for 24/7 engagement. Integration with Microsoft Dynamics will streamline operations and reduce manual effort, ensuring we are fully prepared for the compressed compliance timelines introduced by Payday Super.
Why Partner with IFS?
In FY25, IFS recovered over $226 million in unpaid super, exceeding financial targets and reinforcing our position as a leader in superannuation recovery. Our services are trusted by major superannuation funds and we are agile, proactive, and committed to supporting employers and funds through legislative change. Our public-facing strategy has included media engagement, thought leadership, and advocacy, positioning IFS as a strategic partner in the super compliance ecosystem.
Let IFS guide your transition with tailored support, technology-driven solutions, and expert recovery services. Speak to our team today.
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