The Australian Taxation Office (ATO) has announced the closure of the Small Business Superannuation Clearing House (SBSCH). This change is part of broader reforms to streamline superannuation payments and improve compliance. If your business currently uses the Small Business Superannuation Clearing House (SBSCH), it’s important to understand what’s changing, when it’s happening, and how to prepare.
Why is the ATO’s SBSCH closing?
The closure of the ATO SBSCH is due to new legislation under Payday Super, which requires employers to pay super at the same time as wages starting 1 July 2026.
When will the ATO's SBSCH close?
- 1 October 2025: Closed for new registrations.
- 30 June 2026: Final day to access and make payments.
- 1 July 2026: Payday Super begins. SBSCH closes permanently for current users.
What will the closure of the ATO’s SBSCH mean for my business?
If you currently use the ATO’s SBSCH, you’ll need to switch to an alternative superannuation clearing house or payroll solution before the closure to be able to pay super and help meet your super obligations.
What happens if I don’t transition in time?
Don’t leave it too late. If you don’t move to an alternative solution before the ATO’s SBSCH closes, you won’t be able to make super contributions through SBSCH, putting you at risk of:
- Missing contributions: You will fail to meet your Superannuation Guarantee (SG) obligations.
- ATO penalties: The ATO can impose the Superannuation Guarantee Charge (SGC), which includes:
- The unpaid super amount
- Interest
- An administration fee
- Immediate loss of access: there’s no grace period once SBSCH closes you will no longer have access to make super payments.
To meet your super obligations and help avoid potential penalties, transition to a clearing house that meets SuperStream standards, like the no-cost Employer Portal1 solution.
Steps to take if you currently use the ATO's SBSCH, and how to prepare for the transition
1. Choose an alternative
Choose a superannuation clearing house or payroll solution that supports the Payday Super changes.
In keeping with our commitment to delivering world-class domestic service and support for our employer partners, we’ve recently launched the new Employer Portal.
The Employer Portal is a multi-factor authentication secured, user-friendly platform that’s free to use with planned integration with payroll and HR systems (integration may vary by provider).
2. Register and onboard
Complete onboarding with your chosen provider.
3. Update payroll processes
Configure payroll to pay super with wages from 1 July 2026. You may want to consider starting this sooner as there is no grace period from 1 July 2026.
4. Educate your team
Train staff on new processes and reporting.
Alternative for the ATO's SBSCH
The new Employer Portal, offers an alternative with simplified tools for compliance management designed to help support employers meet their super obligation.
Key features of the Employer Portal
- Available at no cost to registered AustralianSuper employers
- Built with Payday Super in mind
- Integrated clearing house and self-service administration solution for streamlined super payments
- Real-time data validation and compliance tool to help avoid potential penalties
- Secured by multi-factor authentication
- User-friendly interface with digital onboarding.
| Feature | ATO SBSCH (Closing June 2026) | The Employer Portal |
|---|---|---|
| Cost | Free | Free |
| Compliance | Supports current SuperStream standards | Supports SuperStream standards and Payday Super |
| Integration | Limited | Planned integration with Payroll & HR systems (integration may vary by provider) |
| Data Validation | Manual checks | Real-time digital validation |
| Security | Multi-factor authentication | Multi-factor authentication |
| Employee Onboarding | Manual data entry | Online tools for employee onboarding including capturing fund choices and terminations, and the option to add your logo and two brand colours |
| Reporting Tools | Basic reporting focused on super payment history | Simplified tools for compliance management and contribution tracking |
| Transition Support | Ends June 2026 | Onboarding and test transactions available |
- The clearing house is a financial product offered by ClickSuper Pty Ltd ABN 48 122 693 985 (‘ClickSuper’) trading as Wrkr PAY (AFSL 337805), a wholly owned subsidiary of Wrkr Ltd ABN 50 611 202 414 (‘Wrkr’). Terms and conditions of Wrkr and ClickSuper apply and a Product Disclosure Statement for the clearing house is available from ClickSuper on request. AustralianSuper Pty Ltd doesn’t receive any commissions or other benefits from ClickSuper, nor is it recommending, endorsing or providing an opinion about the products or services offered by ClickSuper or intending to influence anyone to make a decision about them. AustralianSuper Pty Ltd is not liable for any loss or damage you incur in connection with the use of products or services provided by ClickSuper or Wrkr.