Beyond the SBSCH: Preparing Your Business for PayDay Super

Beyond the SBSCH: Preparing Your Business for PayDay Super

The ATO’s Small Business Superannuation Clearing House (SBSCH) closes on 30 June 2026. This article outlines what that means for employers and the practical steps to choose a replacement clearing house and prepare payroll processes for PayDay Super.

Introduction

With PayDay Super fast approaching, it is important to ensure your payroll systems and superannuation clearing arrangements are ready well in advance.
 
There are a number of superannuation clearing house options available. Some are integrated within payroll software, while others are standalone platforms provided by super funds or financial institutions. The Australian Taxation Office (ATO) maintains a register of SuperStream certified providers, which can be accessed here:
 
https://softwaredevelopers.ato.gov.au/SuperStream-certifiedproductregister
 
However, one commonly used service will no longer be available after 30 June 2026. The ATO Small Business Superannuation Clearing House (SBSCH) is being discontinued.
 
If you are currently using the SBSCH, you will need to transition to an alternative clearing house before this date.

What action should you take?

We recommend taking the following steps:

• Review your options early – consider whether an integrated payroll solution or standalone clearing house is more suitable for your business.
• Assess cost vs efficiency – integrated solutions often come at an additional cost, but can significantly reduce manual processing and the risk of errors.
• Plan your transition – ensure your new clearing house is set up and tested before making your first PayDay Super contribution.

Download your SBSCH records

Before ceasing use of the SBSCH, ensure you retain your records.  At a minimum, we recommend downloading:

1. Payment history details
2. Employee information (where relevant)

To access your payment history:

• Navigate to the Payment Instructions tab
• Select the Historical tab
• Choose the relevant date range and export the report for your records

Baumgartners can help

Choosing the right clearing house is not a one-size-fits-all decision - it should align with your payroll processes, compliance obligations, and cost considerations.
 
If you would like assistance reviewing your options or managing the transition, please get in touch with your usual contact at Baumgartners. We would be happy to help you identify the most efficient and cost-effective solution for your business.