ATO Small Business Super Clearing House Closure
The ATO SBSCH is closing — Stay compliant the easy way
SBSCH Closure: What businesses need to know
The ATO’s small business superannuation clearing house closed on 1 July 2026. For years, many Aussie small businesses used this service to pay their employees’ super. Businesses without a super clearing house solution may face severe penalties for non-compliance. Reckon Payroll software includes a free, integrated clearing house so you can stay compliant and schedule and lodge super contributions all in one single workflow.
Watch our explainer video for a rundown of what businesses need to know to stay compliant.

What is a super clearing house?
A super clearing house is a payment gateway that allows your employees’ super contributions to be distributed to their nominated super funds.
Super clearing houses are an efficient way to handle super contributions without manually uploading each payment to separate super funds.
Why do Super Clearing Houses matter to small business?
In Australia, not all workers have the same superannuation; without a superannuation clearing house, employers would need to make separate payments to each of their employees’ designated fund. Super clearing houses allow you to:
- Package all super payments and send in one batch.
- Remove manual handling of multiple super payments to be dispersed to different super funds.
- Reduce human error.
- Stay compliant.


What is Payday Super?
Payday Super is a law that requires super payments to occur within seven business days of salary and wages being paid. The law came into effect on 1 July 2026.
All businesses must find their own solution. As part of Payday Super, the government decided to close the ATO online service, the Small Business Superannuation Clearing House (SBSCH).

Make a smooth transition with Reckon Payroll
Reckon Payroll software is an all-in-one, compliant payroll system that can take care of your super contributions:
- Stay compliant: The ATO’s clearing house closed on 1 July 2026. Reckon Payroll ensures you remain compliant with Payday Super and SuperStream.
- All-in-one workflow: Calculate, pay and report super directly from within Reckon Payroll through our integrated clearing house partner, Beam.
- Save time: Super contributions are automatically calculated and sent within 7 business days of payday.
- No extra cost: The clearing house feature is already included in Reckon Payroll — no add-ons, no third-party fees.
- Easy to switch: Move from SBSCH in just a few steps — subscribe, connect your bank, and start automating payments.
Make the switch to Reckon Payroll to ensure that your business has a compliant super clearing house solution.
Plans that fit your business needs and your pocket
30-Day free trial
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Unlimited users
Step 1/2Choose your plan
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Payroll Essentials
Up to 4 employees
Was $16
Paying monthly: $1 / month
$1/month for 6 months | Save $90
Was $176.64
Paying yearly: $79.49 / year
55% off for the first 12 months | Save $97.15
Payroll Plus
Up to 10 employees
Was $32
Paying monthly: $1 / month
$1/month for 6 months | Save $186
Was $353.28
Paying yearly: $158.98 / year
55% off for the first 12 months | Save $194.30
Payroll Premium
Unlimited employees
Was $60
Paying monthly: $1 / month
$1/month for 6 months | Save $354
Was $662.40
Paying yearly: $298.08 / year
55% off for the first 12 months | Save $364.32
Compare features
Payroll EssentialsUp to 4 employees MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $90 Was Paying yearly: $79.49 / year 55% off for the first 12 months | Save $97.15 | Popular Payroll PlusUp to 10 employees MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $186 Was Paying yearly: $158.98 / year 55% off for the first 12 months | Save $194.30 | Payroll PremiumUnlimited employees MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $354 Was Paying yearly: $298.08 / year 55% off for the first 12 months | Save $364.32 | |
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Payroll features explained
- Number of employees
Choose a payroll plan based on the size of your team, with options for up to four, up to 10 or unlimited employees. You can move to a larger plan as your business grows.
- Payday Super ready
Calculate, pay and lodge super directly from your payroll software. Pay multiple super funds in one batch and validate contribution data before submission to reduce errors and make Payday Super compliance easy.
- Process pay runs
Manage pay runs including employee wages, salaries and other payments in one place. Set up regular pay schedules and let Reckon One automatically calculate PAYG withholding as part of each pay run.
- Email payslips
Batch email payslips to all employees in one go after completing a pay run. Customise the email template to suit your business and view a history of previously sent items.
- Manage Single Touch Payroll
Stay STP Phase 2 compliant with payroll software from an ATO-approved provider. Prepare and send the required payroll information directly to the ATO when you complete a pay run.
- Calculate superannuation
Automatically calculate employee contributions using current super guarantee rates. Reckon Payroll is fully SuperStream compliant and Payday Super compliant.
- Track leave & entitlements
Manage employee earnings, allowances, deductions and leave entitlements in one place. Leave balances are calculated automatically, helping you keep employee records accurate after each pay run.
- Payroll reporting
Use ready-made payroll reports to monitor employee and payroll information. Manage end-of-year compliance reporting and share access with your accountant or bookkeeper when you need assistance.
- Available on mobile & web
Access payroll from the web or the free Reckon Payroll Companion App. Manage payroll from almost anywhere and keep your information automatically synced across devices.
- Employee facing app
Give employees free access to Reckon Mate, where they can self-onboard and enter their personal, banking, tax and super details. Employees can also check payslips, leave balances and payment summaries while their information syncs with Reckon Payroll.
- Pay templates
Create reusable templates and apply them to one or multiple employees in a few clicks. Set rates in one place to reduce repetitive setup and support consistent, accurate payroll processing.
- Track timesheets
Employees can create and submit their own timesheets for approval. Use approved entries to create pay runs, improve timesheet accuracy and reduce duplicate data entry.
- Employee expense claims
Let employees create expense claims and attach supporting receipts. Customise the claim template and approval process to suit your business and keep reimbursements organised.
- Free data migration
Move to Reckon with help from our data migration service. Eligible paid subscriptions include the migration of one year of historical data plus your year-to-date information at no additional cost.
- Free onboarding session
An online one-on-one session with a Reckon expert to ask questions and learn how to get started. Your session provides personalised guidance on setting up the software for your business.
Accounting plans
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Accounting Plus
Perfect for small businesses
Was $24
Paying monthly: $1 / month
$1/month for 6 months | Save $138
Was $264.96
Paying yearly: $119.23 / year
55% off for the first 12 months | Save $145.73
Optional Add payroll on the next step
Accounting Premium
Perfect for growing businesses
Was $46
Paying monthly: $1 / month
$1/month for 6 months | Save $270
Was $507.84
Paying yearly: $228.53 / year
55% off for the first 12 months | Save $279.31
Optional Add payroll on the next step
Ultimate Plan
Perfect for larger businesses
Was $85
Paying monthly: $1 / month
$1/month for 6 months | Save $504
Was $938.40
Paying yearly: $422.28 / year
55% off for the first 12 months | Save $516.12
Included Unlimited payroll and inventory
Compare features
Accounting PlusPerfect for small businesses MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $138 Was Paying yearly: $119.23 / year 55% off for the first 12 months | Save $145.73 Optional Add payroll on the next step | Accounting PremiumPerfect for growing businesses MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $270 Was Paying yearly: $228.53 / year 55% off for the first 12 months | Save $279.31 Optional Add payroll on the next step | New Ultimate PlanPerfect for larger businesses MonthlyYearlySave more Was Paying monthly: $1 / month $1/month for 6 months | Save $504 Was Paying yearly: $422.28 / year 55% off for the first 12 months | Save $516.12 Included Unlimited payroll and inventory | |
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| Not included | Included1-10 items | IncludedUnlimited | |
| Optional, choose on next step | Optional, choose on next step | IncludedUnlimited |
Accounting features explained
- Unlimited users
- Add as many admin users to your account
- Set up their unique permissions and login details
- Enter payments and expenses
- Track money coming in and out of your business
- Record payments and bills
- Add business expenses
- Track and report GST for BAS
- Calculate GST throughout the year
- Easily prepare your BAS statement
- See cash flow in real-time
- Customise your accounting dashboard
- See your business performance in real-time
- Track bank balances, income and more
- Create budgets
- Create budgets to manage your finances
- Track and review budget progress
- Compare budgets vs actuals year on year
- 30+ insightful reports
- Track your finances with our easy report templates.
- Run financial reports including profit & loss and balance sheets.
- Share your account with your accountant or bookkeeper.
- Phone & chat support
Technical phone support available:
Mon – Fri: 8:30am – 7pm
Sat – Sun: 9am – 4pm- Unlimited invoices & bills
- Create and send unlimited invoices
- Convert quotes to invoices in seconds
- Add your logo and personalise your invoice template
- Automatic invoice reminders
- Send automated invoice reminders by email so you get paid on time.
- Set reminders to trigger before, on or after the due date, tailored to your business.
- Multiple outstanding invoices are automatically consolidated into one email.
- Invoice on web & mobile
Your subscription includes access to the Reckon Invoice App so you can:
- Manage invoices on the go
- Updates sync across your devices
Once you’ve signed up, download the Reckon Invoice App for free from the Apple or Google Play store.
- Accept card payments
- Get paid faster with online card payments via Stripe
- Add ‘Pay Now’ links on your invoices
- Accept Visa, Mastercard, Amex, Google Pay & Apple Pay
- Connect Reckon to your bank account
- Securely connect your bank accounts, using Open Banking or direct feeds
- Your transactions flow automatically into Reckon One
- Sort, match and reconcile transactions with ease
- Free data migration
Move to Reckon with help from our data migration service. Eligible paid subscriptions include the migration of one year of historical data plus your year-to-date information at no additional cost.
- Free onboarding session
An online one-on-one session with a Reckon expert to ask questions and learn how to get started. Your session provides personalised guidance on setting up the software for your business.
- Track timesheets
- Create timesheets for employees, clients or projects
- Improve the efficiency and accuracy of your time tracking
- Reduce manual data entry
- Unlimited project management
- Get better insight into your business by tracking profitability across projects.
- Assign invoices, time and bills to projects to track their performance.
- Add sub-projects for larger jobs and track their profitability.
- Advanced reporting
- Additional reports available
- Data visualisations
- Automate & schedule reporting
- Inventory management
Track stock quantities and value as products are bought and sold. Receive low-stock alerts, support negative inventory and access reports that provide insight into stock levels and value.
- Payroll
Everything you need to pay and manage your employees. Manage payroll, payslips, PAYG and leave, with Single Touch Payroll and Payday Super compliance covered.
*Offer only available to new Reckon customers and applies to the first Reckon One book only. The discount will be applied to your subscription for the first 6 months only. Once the promotional period ends, pricing reverts to the RRP applying at that time, which may differ from the RRP today. The offer expires on 31/10/26 unless withdrawn earlier.
† Free data migration offer includes 1 year of historical data + YTD only. Paid subscriptions only.
Helping thousands of businesses with their payroll
Small business payroll software comparison
A clever pricing system our competition can’t match.
| Feature | Xero $78 PER MONTH + $744 per year $744/yr | Quickbooks $57 PER MONTH + $492 per year $492/yr | Reckon $16 PER MONTH Best price! Cheapest |
|---|---|---|---|
| Free phone support | Not included | Included | Included |
| Free onboarding session | Not included | Included | Included |
| Employees | 2 employees only | 4 employees | Up to 4 employees |
| Manage STP | Included | Included | Included |
| Calculate superannuation | Included | Included | Included |
| Track leave and entitlements | Included | Included | Included |
| Employee companion app | Included | Included | Included |
| Payroll reporting | Included | Included | Included |
| Email payslips | Included | Included | Included |
| Process pay runs | Included | Included | Included |
Data compared includes Xero's 'Grow' plan, QuickBooks 'Simple Start + Standard Payroll' plan and Reckon's 'Payroll Essentials' plan. Data correct as of June 2026.
See our in-depth payroll software comparison
Reckon vs Xero | Reckon vs QuickBooks | Reckon vs Payroller | Reckon vs Deputy
Download your free super clearing house guide
Our guide details everything you need to know, from what a super clearing house is to software solutions. Download the guide today!
Already a Reckon customer using Reckon Accounts?
Existing users of Reckon desktop software can seamlessly transfer across to Reckon Cloud Software. If you are worried about staying compliant, start a free trial and book a free migration to bring your accounts across now!


Clearing House Resources
Here are our resources to help you navigate the changes to superannuation payments:
Frequently asked questions
Can I still use the ATO's Small Business Superannuation Clearing House after the 1 July 2026 deadline?
No, the SBSCH will close and no longer be available for small businesses looking to distribute their employees’ super contributions. This will happen regardless of Payday Super legislation becoming law.
Note: You will need to switch to a payroll system that supports SuperStream-compliant contributions under Payday Super.
What happens if I don't find a compliant software?
Businesses that do not pay superannuation correctly are subject to fines like the superannuation guarantee charge, which:
- Shortfall in payment covered by the super owed on salary and wages, plus choice liability capped at $500.
- Administration fees.
- Accrued interest on the failed payment of 10% per annum.
Do I need to pay super using software?
To stay compliant, you need software that allows you to make super payments. Without software that helps you make super contributions, you stand to face fines and penalties.
Software like Reckon payroll lets you pay staff wages and superannuation funds from the same platform, making it easier to comply with Payday Super.
How do I switch from the SBSCH to Reckon Software?
First, subscribe to your preferred Reckon payroll plan to register for Beam. Second, set up your bank account for auto super direct debit payments.
Managing your small business superannuation payments is that simple.
Get prepared with Reckon Payroll!
Start a free trial of our compliant and easy-to-use payroll software, which makes super contributions a breeze.


























