Compliance
Preparing Your Super Payments for Payday Super: What Employers Need to Do Before SBSCH Closes
The ATO is closing the Small Business Superannuation Clearing House from 1 July 2026—here’s how employers should transition smoothly to comply with the new Payday Super requirements.
By NomadicTax Research Team • 5-8 min read • June 9, 2026
## What’s changing with super payments
From 1 July 2026, the **Small Business Superannuation Clearing House (SBSCH)** will close permanently as part of Australia’s broader **‘Payday Super’ reform**. The ATO has specified that after **11:59 pm AEST on 30 June 2026**, the SBSCH will no longer accept payments, access requests, or allow new registrations. ([ato.gov.au](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-to-pay-super/small-business-superannuation-clearing-house?=redirected_sbsch&utm_source=openai))
This change means employers will shift from managing super payments quarterly to meeting **per-payday super guarantee obligations**, aligning super contributions with each pay run instead of aggregate quarterly obligations. ([ato.gov.au](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-to-pay-super/small-business-superannuation-clearing-house?=redirected_sbsch&utm_source=openai))
## Impacts for employers: what to act on now
| Action | What you need to do | Timing |
|---|---|---|
| _Download records and history_ | Make sure your business downloads **all SBSCH transaction history** by 30 June 2026. Records will be inaccessible after that date. ([ato.gov.au](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-to-pay-super/small-business-superannuation-clearing-house?=redirected_sbsch&utm_source=openai)) | Before 1 July 2026 |
| _Choose alternative payment method_ | Switch to a commercial clearing house or payroll software compliant with **SuperStream**, or use large super funds with payment services built in. Employers should ensure systems can support per-payday SG payments. ([ato.gov.au](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-to-pay-super/small-business-superannuation-clearing-house?=redirected_sbsch&utm_source=openai)) | Immediately—ideally well before deadline |
| _Test new workflow_ | Pilot your new payment process before July payroll so you can identify deployment or reporting issues early. |
| _Communicate with staff and advisors_ | Inform your employees and consult with your accountant or payroll provider to understand changes, especially around timing of contributions and compliance. |
## Practical example
*Small café with 15 employees using SBSCH (turnover under $10 million):* By April–June 2026, the owner should have chosen and installed new payroll software with per-payday capability. During the June 2026 pay run, payment method must be switched—by making SG contributions directly via payroll software or other approved clearing house. After 30 June, using SBSCH is no longer possible.
## Risks of non-compliance
- Missed super guarantee payments could trigger the **Superannuation Guarantee Charge**, interest, and administrative penalties. ([ato.gov.au](https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-to-pay-super/small-business-superannuation-clearing-house?=redirected_sbsch&utm_source=openai))
- Late contributions might damage employee trust or trigger legal claims.
- The inability to access or download historical data may impede audits or future compliance verification.
## Takeaway tips
- Start change management now: ensure your payroll, accounting, and software providers are aligned.
- Document your process: retain confirmation proofs for contributions in case of ATO queries.
- Budget for any one-off software or system transition costs.
Transitioning away from the SBSCH and embracing Payday Super means more frequent obligations and closer alignment between wages and super payments. But with the right planning those changes can be handled cleanly—and ensure your business remains compliant.