From 1 July 2026, the way you pay your employees’ superannuation changes completely. This is not a small administrative tweak. It is a fundamental shift in your payroll obligations, and if you have not started preparing, you are running out of time.

I am writing about this today because it needs to be on your radar, you need to be prepared.

What changes on 1 July

Right now you pay super quarterly. Under Payday Super, super must be paid on every payday, the same day as wages, and the contribution must be received by the employee’s super fund within 7 business days of that payday. Not 7 days after the end of the quarter. 7 business days from payday.

The super guarantee rate also lifts to 12% from 1 July 2026. Check with your accountant or payroll provider if you are uncertain what that means for your specific payroll setup.

The SBSCH closes 30 June. This affects you.

If you currently use the ATO’s Small Business Superannuation Clearing House (SBSCH), plenty of small newsagents do, you must switch before 30 June. The SBSCH cannot handle Payday Super and the ATO has confirmed it will not be updated.

The SBSCH closed to new registrations on 1 October 2025. Existing users can submit through it until 11:59 PM AEST on 30 June 2026. After that, your login is disabled. Any super payment you attempt through the SBSCH after 30 June will not be processed. You will be non-compliant from day one.

Your replacement options: integrated payroll software with a built-in SuperStream-compliant clearing house (Xero, MYOB, QuickBooks all have this), a commercial clearing house, or direct payment via your bank using SuperStream. The easiest path for most small businesses is integrated payroll software that processes super automatically as part of the pay run.

The cash flow reality

The total annual super bill does not change. What changes is the timing. Instead of four payments a year, you may be making 26 or 52 smaller ones.

For most businesses with steady revenue, this is manageable. But if your business has months where cash is tight — post-Christmas, or whatever your slow period is — you need to model this now. A payment that used to go out quarterly needs to be on hand every single payday. Run the numbers for your lowest revenue month. If the cash is not there, you need a plan.

Do not assume you will sort it out in July. By the time July arrives, the obligation is already live.

What the ATO will do if you get it wrong

The ATO has said it will take a softer approach for employers making a genuine effort to comply in the first year, July 2026 to June 2027. From July 2027, the full regime applies. Late payments attract the Super Guarantee Charge: the unpaid super, plus daily compound interest, plus an administrative uplift of up to 60% of the unpaid amount. And unlike the super itself, penalties are not tax deductible.

Three things to do right now

1. Check whether your payroll software is Payday Super-ready. Contact your provider if you are not sure. Do not assume.
2. If you are on the SBSCH, choose your replacement, set it up, and run a test payment before June. Do not leave this until June.
3. Run a cash flow model for your low months. Identify the paydays where you will need the super cash on the day, and make sure you have a plan.

The ATO’s full guidance is at ato.gov.au/businesses-and-organisations/super-for-employers/payday-super. Dynamic Business covered the practical implications in April 2026 as well.

1 July is not far away.

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Mark Fletcher founded newsagency software company Tower Systems and is the CEO of newsXpress, a marketing group serving innovative independent retailers who continuously evolve their businesses to be enjoyable, relevant and successful. You can reach him on mark@newsxpress.com.au or 0418 321 338.

Rent is one of the biggest costs in any retail business. It is also one of the most misunderstood. I have seen newsagents and other small business retailers accept rent increases they did not have to accept because nobody told them they had options.

That stops here.

You have legal rights. Most small business retailers don’t use them.

Every state in Australia has a retail leases act. These laws exist to protect small retail tenants. They set out what a landlord can and cannot do during a lease term, how rent reviews work, and what happens at renewal.

In April 2025, the Victorian Supreme Court confirmed that CPI-based rent caps under the Retail Leases Act 2003 (Vic) are legally enforceable. If your lease in Victoria provides for CPI-capped rent reviews, your landlord cannot demand an increase above CPI during that lease term. They cannot declare that the market has moved and expect you to pay more.

That is significant. If you are in Victoria and your landlord has been pushing increases that outrun your lease provisions, you have grounds to push back.

State by state (a brief version)

Victoria has relatively strong tenant protections. The Victorian Small Business Commission (vsbc.vic.gov.au) can assist with retail lease disputes and offers free mediation. I’ve used them, with success.

NSW has the Retail Leases Act 1994. Rent reviews are regulated and market rent determinations can be formally contested. NSW Fair Trading (fairtrading.nsw.gov.au) is a starting point.

Queensland, South Australia, and Western Australia each have their own legislation. Western Australia is the least prescriptive, retailers there may need to lean harder on what is actually written in their lease.

Know which state you are in and which act applies.

Lease term vs renewal — this distinction matters

Rent cap protections typically apply during the lease term. When the lease is up for renewal or you are negotiating a new one, the landlord can propose market rent. Market rent sounds objective. It is not. It is a figure someone made up and called market.

You can contest a market rent determination. In most states there is a formal process. An independent valuer can be brought in. If you think the number is wrong, you do not have to accept it.

Know your options before you are sitting across from the landlord’s agent in the final weeks before your lease expires. At that point you have very little time and very little power. Six months out, you have both.

What to read in your lease before your next renewal

Read the rent review clause. Find the mechanism, CPI, fixed percentage, market review, or a combination. If it says CPI and your landlord is asking for more, ask them to explain the discrepancy in writing.

Read the options clause. Options do not exercise themselves. There are usually notice periods. Miss the window and you may lose the option entirely.

Read the assignment clause. This matters if you ever want to sell. Some leases make assignment nearly impossible without landlord consent at their discretion. That affects the value of your business.

Get the right professional

Going into a lease negotiation or renewal, get a retail lease specialist lawyer involved. Not a general commercial solicitor who does a bit of everything. The difference in outcome can be worth tens of thousands of dollars over a lease term.

My view

I have watched small business retailers hand back margin to landlords they did not have to hand back. Not because the law required it. Because they were not sure of their rights, or they were worried about damaging the relationship, or they simply accepted what the landlord’s agent put in front of them.

The lease is a negotiation. Every clause in it was put there by someone for a reason,  usually the landlord’s. You are allowed to push back.

Know what is in your lease. Know what the law says. Find out before your next renewal. Not after.

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Mark Fletcher founded newsagency software company Tower Systems and is the CEO of newsXpress, a marketing group serving innovative independent retailers who continuously evolve their businesses to be enjoyable, relevant and successful. You can reach him on mark@newsxpress.com.au or 0418 321 338.

In the 1990s, the “computer literate” newsagent had an advantage. They embraced POS systems while others stayed with paper ledgers. In 2026, we are at the exact same crossroads with AI Literacy.

The gap with AI is between those who use it for play or curiosity and those who use it as a core business competency.

We use it every day in my businesses.

The world has moved from search to promoting / asking questions.

For decades, we “Googled” by typing keywords. In 2026, we “Prompt” by giving instructions. This is a fundamental shift in how a business owner interacts with information.

• Old Searching for “how to increase gift sales” and reading ten generic articles.
• AI: Prompting your AI agent with your specific POS data by loading your sales history and current stock on hand data: “Analyse my sales and stock and advise what I need to cut and why.”

Why AI is the new computer literacy

If you can’t “speak AI,” you are effectively locked out of the most powerful productivity tools ever created.

Make sure everyone in your business knows how, when and why to use it. Set ground rules. Train people. Be clear in the outcomes you are chasing. This focus has to start with smart prompts. If you are not sure where to start, start – doing is the best way to learn here.

• Clean your data: AI is only as good as the information you give it. Accurate POS data is the “fuel” for your AI’s literacy. Like stock on hand. if it is inaccurate, AI results will be worth less. Let’s be blunt here: if your stock on hand data is shit, the AI results for and about your business will be shit.
• Stop Googling, start instructing: Treat AI like a highly capable, slightly literal intern. Give it context, a persona, and a clear goal. If you’re not happy with a response, say so, and be clearer about what you seek.
• Empower your team: AI literacy shouldn’t stay in the back office. Train your floor staff to use AI tools for customer enquiries and gift recommendations.

The Bottom Line

In 1995, you didn’t need to be a programmer to use a computer, but you did need to know how to turn it on and navigate a menu. In 2026, you don’t need to be a data scientist, but you must be a master of the prompt.

The newsagents, and all retailers, who lean into AI literacy today will be the ones running the most efficient, high-margin businesses tomorrow. The rest will be left wondering how the world moved so fast.

This is not a game.

Manual data entry of supplier invoices takes time and, too often, results in mistakes.

The Tower Systems POS software AI tools make importing supplier invoices easy, and accurate. here’s a new video demonstrating an import of a Splosh invoice:

Processing a large invoice from a supplier like Splosh Australia can often take hours, especially when balanced against serving customers and managing a busy shop floor. By leveraging AI-driven invoice recognition, we have made it possible to process complex, multi-page invoices in a matter of minutes.

What the video demonstrates is just one of many AI tools in the Tower software that save time, offer fresh business insights and help you make more money. Tower has been delivering embedded AI tools to retailers since 2023.

Now, let’s get into the Splosh invoice example I share here.

Automating the heavy lifting

In our recent demonstration, we processed a four-page Splosh invoice containing 87 individual products. Historically, entering this much data manually—including barcodes, stock codes, descriptions, and pricing—could take the better part of a day.

With the new AI Import feature, the process is simple:

Upload the PDF: Drag and drop your Splosh invoice directly into the system.

AI Analysis: The software reads the document, identifying the supplier, invoice number, and every line item.

Automated Setup: If the supplier is new, the AI extracts their contact details from the header to create a new profile automatically.

Smart Categorisation: You can nominate default departments, such as ‘Gifts’, ensuring all 87 items are correctly categorised instantly.

Why this matters for your business

The primary goal of this technology is efficiency. By reducing the time spent in the back office, you can spend more time on the shop floor. The AI doesn’t just work faster; it reduces the risk of human error in pricing and stock code entry, ensuring your inventory remains accurate.

Whether you are receiving a small delivery or a massive seasonal order from Splosh, the system handles the complexity for you. What used to be a tedious administrative task is now a streamlined, two-minute process.

Are you wasting time?

If you are manually typing invoice in from suppliers, you are wasting and, likely, making mistakes. You’ll be less efficient, less competitive.

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Mark Fletcher founded newsagency software company Tower Systems and is the CEO of newsXpress, a marketing group serving innovative independent retailers who continuously evolve their businesses to be enjoyable, relevant and successful. You can reach him on mark@newsxpress.com.au or 0418 321 338.

When customers walk into a newsagency, they expect to see lotteries, magazines, and stationery. When they visit a garden centre, they look for plants and mulch. While these categories provide a helpful framework, they can also become cliches that limit our potential for growth and creativity.

In a this video, the concept of “intentional disruption” is explored as a powerful tool for small business owners. This strategy involves stepping outside the boundaries of your traditional retail channel to offer something entirely unexpected. The goal is not just to change for the sake of change, but to learn, attract new foot traffic, and discover untapped opportunities within your community.

The Power of the Unexpected Disruption can start with personal habits. The video shares an anecdote about a commitment to reading banned books. By intentionally choosing material that others sought to restrict, the reader discovered new genres and perspectives that would have otherwise remained hidden. This personal exercise in breaking cliches serves as a metaphor for business: by doing what is “not allowed” or simply not expected, we open doors to new ideas.

Real-World Examples of Retail Disruption Successful retailers are already putting this into practice. Consider these examples of businesses playing outside their traditional roles:

• A newsagency that has found significant success selling garden bulbs and outdoor products.
• A pet shop that has become a go-to destination for high-quality calendars, a category traditionally dominated by bookstores.
• Overseas models, such as bookstores that operate as late-night bars or homeware stores that run professional smokehouses in the evenings.

Why Should You Disrupt Your Own Business? It is far better to disrupt your own business model than to wait for a competitor or market shift to do it for you. Intentional disruption offers a win-win scenario:

1. If it succeeds: You have found a new profit stream and a way to attract customers who might never have entered your shop otherwise.
2. If it fails: You have gained invaluable data about your local market and your own professional capabilities.

Taking the First Step For local retailers, the challenge is to pick one thing—one product line or service—that is completely outside your “expected” inventory. Execute it with the highest level of professionalism and see what it teaches you about your business’s potential.

New people walking through the door are the lifeblood of retail. By breaking the cliches of your channel, you give your community a fresh reason to visit. If you are looking to thrive rather than just survive, it may be time to embrace the unexpected.

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Mark Fletcher founded newsagency software company Tower Systems and is the CEO of newsXpress, a marketing group serving innovative newsagents who continuously evolve their businesses to be enjoyable, relevant and successful. You can reach him on mark@newsxpress.com.au or 0418 321 338.

There is a common trap that many indie retailers fall into: the obsession with being the cheapest. We often convince ourselves that price is the only factor driving customers through the door. However, if your entire value proposition is based on having the lowest price, you are likely leaving significant profit on the table and making your business more vulnerable to economic shifts.

The Convenience Factor

When was the last time you truly reviewed your approach to markup? Often, retailers are so fixated on competing with national chains that they forget why people shop with them in the first place. If your shop offers easy parking right out the front, remains open longer hours, or provides a curated experience, you are selling convenience.

Think about the cinema or a local convenience store. Customers know they will pay more for candy or a soft drink in those locations than they would at a supermarket. They accept this “convenience tax” because the product is available exactly when and where they need it. As an independent retailer, your location and service levels provide similar value. Your pricing should reflect that.

Navigating Rising Costs

We are currently operating in an environment of fluctuating overheads. From fuel surcharges to rising labour and rent costs, the pressure on small businesses is constant. Many suppliers are already applying fuel surcharges to their deliveries. This provides a legitimate “cover” to explain price adjustments to your customers.

Because consumers see these rising costs on the news every day, they are generally more accepting of commercial decisions to adjust pricing. If you aren’t adjusting your markup to account for these external pressures, your business will eventually slip behind.

The Power of Incremental Changes

A successful financial model is often built on a series of small steps rather than giant leaps. You don’t need to overhaul your entire price list overnight. Instead, look for opportunities to increase margins by just a few percent in specific categories—especially in “non-essential” or gift-related items like fashion, homewares, or jewellery.

By building a better buffer into your gross profit, you become less reliant on high sales volumes or a constant stream of new customers to stay afloat.

Take Control of Your Pricing

Stop blindly accepting the Suggested Retail Price (SRP) or the defaults in your point-of-sale software. Your suppliers set those prices based on what they think a product will sell for, but they don’t know your specific local market or your unique costs.

Take the time to look at what you sell and ask: “What are my customers prepared to pay?” Even a small shift in your markup policy can create the financial resilience your business needs to thrive in the long term.

Traditional retail labels are obsolete in indie retail. For decades, the “shingle” over a shop door dictated exactly what a business should sell. A chemist sold prescriptions, a newsagent sold papers, and a bike shop sold parts. However, as we navigate 2026, these rigid industry boundaries are fading. Successful Australian retailers are no longer staying in their lanes. They are embracing a “treasure hunt” approach to commerce.

Breaking the Industry Label

The name of your business does not need to define your inventory. Traditional labels often restrict the owner more than the customer. While you may feel your shoppers expect a certain product range, modern retail is actually built on discovery. Customers enjoy being drawn into a store to find something unexpected. This element of surprise creates a unique experience that big-box competitors cannot easily replicate.

Consider the evolution of major brands. Pharmacies now stock extensive gift and baby ranges. Large hardware chains have dedicated pet aisles. Independent retailers must adopt this same mindset. A newsagency in Tasmania is currently thriving by selling garden bulbs. In Central Queensland, another is famous for serving the region’s best coffee. These businesses have moved beyond their original purpose to become community destinations.

The Power of Surprise and Discovery

Surprising your customers pushes the boundaries of how they perceive your business. It generates conversation and encourages repeat visits. To achieve this, your shop should feel like a curated experience. Garden centres are excellent examples of this evolution. Some now incorporate workspaces, high-end giftware, and chocolate or wine tasting. They have transformed from simple plant nurseries into lifestyle hubs.

The “Bucket of Cash” Strategy

Experimenting with new categories does not require a massive investment. You can start with a “bucket of cash” dedicated to low-risk trials. Set aside a small amount, perhaps $300 to $500, to purchase a product category entirely outside your usual range.

The ideal test products should meet three criteria:

• They are completely different from your known inventory.
• they are impulse-buy items that customers understand immediately.
• They are visually striking enough to sit in your front window.

A non-traditional window display can arrest the attention of passers-by. It drives fresh foot traffic from people who might otherwise have walked past your “shingle.”

A Resilient Retail Future

Small business retail is about providing a curated experience. Whether you run a toy shop, a jeweller, or a bike shop, you have the freedom to play outside the box. By diversifying your offering, you build a more resilient business model. Do not let a traditional label limit your growth. Use your space to surprise, delight, and sell efficiently.

Traditional retail wisdom often insists on a professional shop fit. Many independent retailers believe a high-end renovation is the only path to success. While professional shop fitters provide exceptional craftsmanship, the associated costs are substantial. In 2026, these overheads can become a significant financial burden. High capital expenditure does not always guarantee a return on investment.

The Shift Toward Authenticity

The modern High Street is undergoing a transformation. Local shoppers are moving away from the polished, corporate aesthetics found in major shopping centres. There is a growing preference for “real” experiences. A sterile, “faked up” environment can often feel cold and uninviting. Customers today value warmth and unique character over clinical perfection.

Our own journey illustrates this shift. We previously invested hundreds of thousands of dollars in stores at Westfield Knox and Southland. These fit-outs were professional but incredibly expensive. We eventually discovered the power of “frugal” dressing. By using everyday items, we created spaces that resonated more deeply with our community.

The ROI Reality Check

A $150,000 shop fit requires significant sales just to break even. These costs can crush the margins of an independent business. Before committing to a massive quote, consider the “smell of an oily rag” approach. We recently observed a magnificent shop in Mount Morgan. It looks world-class, yet it was achieved without heavy capital investment. This proves that creativity often outweighs a large budget.

Creative Solutions for Your Space

You can create immersive displays using items you already know. Consider these alternatives to custom cabinetry:

• Dining tables for central product displays.

• Lounge chairs to encourage customers to linger.

• Secondhand finds to add history and texture.

These pieces make a shop feel like a home rather than a showroom. They create a comfortable environment that makes customers smile.

Choosing the Right Location

Location influences your freedom to experiment. Major retail hubs often mandate strict fit-out guidelines. Conversely, local landlords on the High Street typically offer more flexibility. This freedom allows you to test new ideas without seeking corporate approval.

Your shop’s primary job is to sell products efficiently. It does not need to be an altar or a shrine. It should be a functional space that supports your sales goals. Before you sign a contract for a major renovation, pause. Consider how you can refresh your space yourself. Authenticity is often the most effective sales tool you have.

It’s a conversation I’m having more frequently lately: “Mark, how do I get out?”

Regardless of what brokers may say, gone are the days when you could multiply your lottery commissions by a standard industry “rule of thumb” and find a buyer willing to pay for a secure, government-backed income stream.

Based on everything I’ve shared on this blog over the years and what I’m seeing for myself and across the industry, here is the reality of selling in 2026.

1. You are selling a Retail Business, not a Contract

In 2026, a buyer isn’t going to pay you a premium for your lottery or a traditional newsagency operation. They know those margins are under pressure and that the digital shift is real.

What they will pay for is a shop that has a proven track record in high-margin, “want” categories, gifts, collectibles, or specialist stationery. If your business is still 80% commission-based, you aren’t selling a business; you’re selling a job. To get a high multiple, you have to prove that you have built a brand and a customer base that belongs to you, not your suppliers.

2. The “Clean Data” Premium

POS data is your greatest asset during a sale. Get it right. A smart buyer in 2026 is data-savvy. They won’t accept a shoebox of receipts or a vague “discretionary spending” figure.

They want to see clear, department-level reporting that shows growth in non-traditional areas. They want to see that your stock turns are healthy and that you aren’t carrying $50,000 worth of dead stock from 2023. If I were looking at your business today, the first thing I’d ask for is a scan-rate report and an aged inventory list. If you can’t produce those instantly, the price just dropped.

3. The “Owner-Independent” Test

One of the biggest hurdles to selling a newsagency is the “hero owner” syndrome. If the shop only runs because you are there 60 hours a week, the business is worth significantly less to an investor.

In 2026, the most attractive businesses are those that are system-driven. Can the shop run for a month without you? Have you documented your processes? Buyers today are often looking for an investment or a multi-site opportunity, not a 7-day-a-week sentence. The more you can prove the shop runs on systems rather than your personal sweat, the higher the valuation.

4. Stop “Tidying Up” and Start Renovating

Too many owners wait until they decide to sell before they think about the shop’s appearance. By then, it’s often too late. A tired, dusty shopfront signals a tired, dusty bottom line.

If you want to sell in 2026, you need to ensure the shop looks like it belongs in 2026. This doesn’t mean a million-dollar refit, but it does mean modern signage, clean lighting, and a layout that prioritises high-margin browsing over the “dash-in for a paper” layout of the past.

My Advice: Sell on a High, Not a Slide

The hardest thing to watch is a newsagent who holds on too long, watching their value erode as they wait for the “old days” to return.

If you’ve lost the passion for the floor, or if the July 1 lottery changes feel like a mountain you don’t want to climb, then now is the time to prepare for an exit. Clean up your stock, tighten your data, and present a business that shows a buyer the future of retail, not a relic of the past.

Selling is a process, not an event. Start the work today so that when the right buyer walks through that door, you can hand over the keys with your head held high and a fair price in your pocket.

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Mark Fletcher founded newsagency software company Tower Systems and is the CEO of newsXpress, a marketing group serving innovative newsagents who continuously evolve their businesses to be enjoyable, relevant and successful. You can reach him on mark@newsxpress.com.au or 0418 321 338.

Artificial intelligence offers small business retailers like Aussie newsagents powerful tools to improve efficiency and customer engagement. Starting your AI journey does not require a technical background. It’s easy. Let me show you how.

Where to Begin

Begin with a specific, repetitive task. Common starting points include drafting social media captions, writing product descriptions, or summarising long reports.

Choose a popular platform –  ChatGPT, Claude, or Google Gemini and all good. These tools are accessible via a standard web browser. For text, currently I prefer Gemini.

Start with the free versions to explore their capabilities before committing to a subscription.

How to Write an Effective Prompt

A prompt is the instruction you give the AI. The quality of the output depends entirely on the clarity of your input. Follow these steps to achieve the best results:

1. Define a role. Tell the AI who it should be. For example, “I own an Australian newsagency in [name your town].”
2. State the Task Clearly. Be direct about what you need. Instead of saying “Write about cards,” say “Write a 50-word Facebook post promoting our new range of Mother’s Day greeting cards.” If this is your prompt, upload a photo of your cards.
3. Provide context. Include details about your target audience and brand voice. Mention if the tone should be cheeky, professional, or community-focused. For example, use a calm and professional tone is what I like to say.
4. Set constraints. Specify length, format, and what to avoid. You might request “three bullet points” or “no mentions of specific prices.” I like to say how many words I want. I also tell it to use short sentences and paragraphs.
5. Use Australian preferences. Explicitly ask the AI to use Australian English. This ensures the software uses ‘s’ instead of ‘z’ in words like ‘organise’ and ‘specialise’.

Refine and Review

Treat the first response as a draft. If the result is not quite right, ask the AI to adjust the tone or change a specific section. If it got it wrong, tell it so.

Always fact-check the final output. AI can occasionally generate incorrect information. Ensure the final text aligns with your shop’s unique personality and local community values.

The notes here are for beginners. You’ll quickly move beyond once you have experience.

Footnote: I use Claude, Gemini, Proximity and OpenClaw for a diverse mix of things. In each situation, I have the paid version for more power and functionality.