small business clearing house

The Small Business Superannuation Clearing House (SBSCH) is an Australian Government free online service provided by the Australian Taxation Office (ATO) that allows small businesses to pay all their employees' superannuation contributions in a single transaction. It is designed to simplify super payments for employers with 19 or fewer employees or an aggregated turnover of less than $10 million. Employers send their contributions to the SBSCH, which then distributes the payments to employees' nominated super funds. The service is SuperStream compliant, offers access to transaction history, and allows nomination of regular contribution amounts for employees. However, the SBSCH will cease operations on 1 July 2026. New employers can register for the service only until 30 September 2025. The closure is due to upcoming PayDay superannuation reforms that require employers to pay super contributions at the time of salary payment rather than quarterly in arrears. After closure, existing users will need to find alternative providers for clearing house or payroll services. To access the SBSCH, businesses with an Australian Business Number (ABN) use Online Services for Business with myGovID, while individuals with a withholding payer number (WPN) can access it via their myGov account linked to ATO online services. Employers can also authorize others to manage the SBSCH on their behalf. In summary, SBSCH is a government-run clearing house service that makes paying superannuation easier for small businesses, but it is scheduled to close mid-2026 due to changes in superannuation payment rules, requiring businesses to use other clearing services afterwards.