In Part 1, we covered why the ATO’s Small Business Superannuation Clearing House (SBSCH) is closing and what it means for your business. Now let’s get practical and look at your alternatives – because the good news is, you’ve got plenty of them.
Your three main options
Option 1: Payroll software with built-in super payments
If you’re already using payroll software for wages, this might be your easiest transition. Many popular accounting packages now include super payment features that let you pay contributions directly through the same system you use for payroll. For example, Xero users can activate “Auto Super” to pay all employee super contributions automatically through their platform. Similarly, MYOB offers “PaySuper” functionality built into its payroll module. The beauty of these integrated solutions is that once you’ve run payroll, paying super can be as simple as clicking a button. No double-entry of data, no separate portals to log into – it all happens in one place.
Option 2: Super fund clearing houses
Most super funds offer free clearing house services to employers. AustralianSuper’s “QuickSuper” is a popular example – it’s a free, online portal where you can pay contributions to all your employees’ funds (not just AustralianSuper members) through one payment. Other major funds offer similar services. These fund-sponsored clearing houses typically require you to register as an employer with that fund, but then you can manage contributions to multiple funds in one place. The main trade-off is that you’ll need to use a separate web portal and either upload data from your payroll system or enter it manually.
Option 3: Commercial clearing house providers
There are also independent commercial providers like SuperChoice, ClickSuper and Beam. These tend to offer more sophisticated features and can handle high volumes of transactions. Commercial providers often charge fees – either per transaction, per employee, or as a monthly subscription – but they typically offer robust compliance features and reliable processing.
How to choose the right option
Start with what you already have: If you’re using payroll software, check if it has super payment functionality – this is often your simplest option.
Consider the costs: Super fund clearing houses are typically free, while payroll software and commercial providers may charge fees. Factor in not just the direct costs, but the time savings from integration.
Think about your workflow: Do you want everything in one system, or are you comfortable using separate portals? How many employees do you have, and how often do you pay them? Check the support: What happens if something goes wrong? Make sure your chosen provider offers decent customer service.
Check the Product Register: Whatever you choose, make sure it’s on the ATO’s Product Register. This product register provides a randomised list of commercially available software products, which have met security requirements. All products included on the register are authorised to use ATO digital wholesale services and send data directly to the ATO. Note, however, that the ATO does not recommend or endorse any of the products listed on this register.
Getting started
The ATO recommends starting your transition early – don’t wait until 2026. This gives you time to test your new process and iron out any issues before the deadline. Talk to your accountant or bookkeeper about what might work best for your business. You can also check the ATO’s “How to pay super” webpage for updated guidance. While losing the free SBSCH might seem like a hassle, many of the alternatives offer features that could actually improve your payroll processes and make your admin life easier in the long run.
