#PaydaySuper – Customised Accounting Matters

Last year I wrote about the closure of the ATO’s Small Business Superannuation Clearing House (SBSCH) and the introduction of Payday Super. As a reminder, these changes are still coming — and the timeline is tightening.

From 1 July 2026:

The SBSCH will no longer be available
Employers will need to pay super at the same time as wages, not quarterly
Super must reach employees’ funds within 7 business days of payday

This isn’t just an administrative change. It fundamentally shifts super from a quarterly task to a pay‑cycle obligation, increasing both the frequency and compliance risk for businesses.

Why this matters now

Many businesses will move from:

4 super deadlines a year

12–52 deadlines a year (depending on pay frequency)

That leaves much less room for error. Late or incorrect payments will be visible to the ATO far more quickly through Single Touch Payroll (STP).

Technology is key

Manual processes that worked under the quarterly system won’t scale under Payday Super. Well‑configured payroll software helps by:

Calculating super correctly every pay run
Reporting accurately through STP
Automating super payments and reducing missed deadlines
Creating a clear audit trail if the ATO asks questions

What businesses should be doing

Now is the right time to:

Review your payroll and super payment process
Confirm your STP setup is correct
Plan for more frequent super cash outflows
Identify an alternative to the SBSCH if you currently rely on it

Many businesses are choosing to move to super‑on‑payday early to reduce risk and avoid a last‑minute scramble.

👉 Need help?

If you’d like support reviewing your payroll setup or planning for Payday Super, contact Cameron at

📧 cameron@customisedaccounting.com.au

🚨 SBSCH Is Closing — Is Your Business Ready for Payday Super?

The ATO’s Small Business Superannuation Clearing House (SBSCH) is shutting down by 1 July 2026, and with it comes a major shift: Payday Super will require employers to pay super at the same time as wages.

If you’re a small business owner, this change means more than just ticking a new box — it’s a fundamental shift in how you manage payroll, cash flow, and compliance.

🔍 Key Dates:

1 Oct 2025: SBSCH closes to new registrations

30 June 2026: Final day of SBSCH operations

1 July 2026: Payday Super begins — super must be paid with wages

💼 What You Need to Do:

Review your payroll software (Xero, MYOB, QuickBooks)

Explore commercial clearing houses or super fund services

Plan for real-time super payments to avoid penalties

👋 Need help navigating the transition?

As a Registered BAS Agent and Bookkeeper, I help small businesses stay compliant and confident through change. At Customised Accounting Matters, we offer tailored support to future-proof your payroll and super processes.