With new legislation fast approaching — including Payday Super in July 2026 and the closure of the ATO’s Small Business Superannuation Clearing House (SBSCH) — relying on outdated systems or paper-based records is no longer sustainable for any Australian business.
But we also understand — this shift can feel daunting.
At MBC, we work with businesses like yours every day, helping to remove the overwhelm and make the transition smooth, practical, and tailored to your needs. This is where our bookkeeping team, bundled with our accounting expertise, comes in.
What’s Changing — and Why It Matters
1. Payday Super is Coming
From 1 July 2026, employers will need to pay super contributions on or before payday — no more end-of-month or end-of-quarter batch processing. This means super will be paid more frequently, and delays could result in penalties or Super Guarantee Charges.
The timeline is tighter:
- Super funds now have just 3 business days to process contributions
- Employers must act fast and accurately every single pay cycle
2. The SBSCH is Closing
The government’s free superannuation clearing house, used by thousands of small businesses, will close in July 2026. No new users will be accepted after October 2025.
This means businesses will need to:
- Choose and pay for a new clearing house provider
- Ensure it integrates properly with payroll
- Handle super compliance with greater precision
Cloud Accounting: Your Compliance Safety Net
Tools like Xero (which we work with extensively at MBC) offer:
- SuperStream-compliant payments
- Real-time financial visibility
- Automated super and payroll integration
- Seamless reporting for Single Touch Payroll (STP)
But this isn’t just about ticking boxes. It’s about:
- Getting the right numbers in real time
- Improving cash flow visibility
- Planning better for super obligations
- Avoiding the stress of last-minute payments and reconciliation
Not Comfortable with Tech? That’s OK. We’re Here for That.
We know this kind of change can feel overwhelming.
Maybe you’re still using desktop software or managing payroll in Excel.
Maybe the idea of cloud software makes you nervous.
That’s completely normal.
But this is exactly where our bookkeeping team steps in.
We work with you on your terms, in plain English, and at a pace that suits your business. Whether it’s:
- Setting up Xero and its auto super feature
- Running payroll accurately and on time
- Handling bank reconciliations, BAS, and reporting
- Working alongside your accountant to ensure the whole financial picture is clear
… we make sure the entire transition is seamless and sustainable.
Why Start Now?
- The clock is ticking — July 2026 sounds far off, but system changes, staff training, and testing all take time.
- You need a compliant, integrated process in place before you’re legally required to make payday super contributions. Download our handy checklist to see what’s needed to get started.
- With the SBSCH closing, you’ll need a new solution anyway — why not choose one that gives you real-time visibility and better business insights?
MBC Makes It Easy
Whether you’re a sole trader or a business with multiple employees, our bookkeeping and accounting services are built to support your growth and remove the stress of financial compliance.
You didn’t go into business to run payroll or reconcile bank accounts — and you shouldn’t have to.
Let our team:
- Get you set up for success with cloud accounting
- Provide ongoing support and advice
- Help you navigate every new compliance challenge — without the tech headaches
Learn more about how MBC can help:bookkeeping services
Payday Super and the SBSCH changes are not optional. But how you handle the transition is.
With MBC, you don’t have to go it alone. We combine practical support, plain-English advice, and real accounting expertise to help you take control of your systems, your payroll, and your financial future.
Let’s move your business forward — together.
