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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.

Image of clearing house flow. super contribution is sent to super clearing house and the contributions are sent to the nominated super funds

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.
Woman on tablet reviewing their employee's super contribution
STP Key Dates

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).

Reckon payroll software in product on a laptop and mobile device

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.

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Payroll Essentials

Up to 4 employees

MonthlyYearlySave more

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

Explore Payroll Essentials
Popular

Payroll Plus

Up to 10 employees

MonthlyYearlySave more

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

Explore Payroll Plus

Payroll Premium

Unlimited employees

MonthlyYearlySave more

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

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*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.

** Reckon may move you to the appropriate plan if you exceed the maximum number of employees.
† 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.

Accounting software comparison
FeatureXero $78 PER MONTH + $744 per year $744/yrQuickbooks $57 PER MONTH + $492 per year $492/yrReckon $16 PER MONTH Best price! Cheapest
Free phone supportNot includedIncludedIncluded
Free onboarding sessionNot includedIncludedIncluded
Employees2 employees only4 employeesUp to 4 employees
Manage STPIncludedIncludedIncluded
Calculate superannuationIncludedIncludedIncluded
Track leave and entitlementsIncludedIncludedIncluded
Employee companion appIncludedIncludedIncluded
Payroll reportingIncludedIncludedIncluded
Email payslipsIncludedIncludedIncluded
Process pay runsIncludedIncludedIncluded
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!

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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.