The Small Business Superannuation Clearing House (SBSCH) was designed for a world where super was paid quarterly. It processed payments in batches, which worked fine when employers only needed to submit four times a year.

Payday Super changes that equation entirely. Super now needs to be paid with every pay cycle and received by funds within seven business days. The SBSCH simply cannot support the speed, frequency, and real-time tracking that the new rules demand. It wasn’t built for this, and the ATO has confirmed it won’t be upgraded - it will be retired.

If you’re one of the many small businesses that have relied on the SBSCH as your go-to super payment method, you now have two challenges happening at once:

• You need a new clearing house solution that can handle payday-frequency super payments and confirm receipt within the seven-day window.       
• You need to be set up and tested before 1 July 2026 - not scrambling on the day the old system goes dark.

This isn’t just a change of provider. It’s a change in how your entire super payment process works. The new solution will need to integrate with your payroll, process payments in real time, and give you visibility into whether contributions have been received on time.

The good news is there are a number of commercial clearing house and integrated payroll solutions available that are specifically designed for Payday Super compliance. Many of the major payroll software providers - including Xero, MYOB, and Employment Hero - offer built-in super payment features that handle everything from calculation to submission to tracking.

When evaluating your options, look for a solution that:

•        Integrates directly with your payroll system so super is processed as part of your normal pay run.
•        Supports SuperStream-compliant electronic payments to multiple funds.
•        Provides real-time tracking so you can confirm contributions have reached employees’ funds within seven business days.
•        Is already Payday Super-ready, or has a clear roadmap for compliance before July 2026.

Migrating from one payment system to another takes time. You need to set up the new provider, test it with a few pay runs, train your team (or yourself), and make sure everything is working before the SBSCH closes. The worst-case scenario is finding out in July that your new system doesn’t work as expected and you have no fallback.