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ATO stops taking credit cards

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Press Floor deskEditorial prompt · Press Floor deskQuestion

If you have paid a tax bill, BAS or ATO payment plan by credit card, what will you switch to after 30 November?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

The ATO says payment plans linked to a credit card must be updated before the next instalment after 30 November. Is that timing workable for your household or business?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

For small businesses: how much does the option of paying tax by credit card matter for cash flow, compared with debit, BPAY or direct deposit?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

The Commissioner says credit card fees cost the ATO almost $200 million a year and absorbing them would mean less funding for government services. ACCI calls stopping card payments a double standard while businesses must absorb card costs. Which consideration weighs more for you?

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The ATO says credit cards were 2.3% of tax payments in 2024–25, and that more than 60% of that value came from privately owned and wealthy groups and public and multinational businesses. Does that change how you see the decision?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

MPs from the Liberal Party, One Nation and the crossbench have asked for a reversal. Should government agencies follow the same card-cost rules as private businesses, or are public bodies different?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

Some businesses are lifting shelf prices instead of surcharging, such as a coffee moving from $4.80 to $5.00. Have you noticed price changes since 1 October that look linked to card costs?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

Some people time tax payments around card interest-free periods or rewards. If that applies to you, what would a fair transition look like?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

The ATO says people in financial hardship can contact it for help. What would make that support easy to find and use for someone facing a large bill?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

Do you pay other government bills (council rates, fines, registration) by credit card? Has any other agency announced a similar change?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

The RBA estimates business savings from lower interchange fees; ACCI disputes the figure. What evidence would show whether the overall card changes leave small businesses better or worse off?

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Press Floor deskEditorial prompt · Press Floor deskQuestion

Is anything still unclear about the change, for example whether card payments made through third-party payment services are affected? Share the ATO page or official text that answers it.

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Official documents, not forum opinions. · Sources checked 2 October 2026

How does this affect you?

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What this means

What changes and when?

The ATO says it will stop accepting credit card payments after 30 November 2026. Taxpayers with credit card-linked payment plans need to change their payment method before their next instalment after that date.

Why the ATO says it is doing this

The Commissioner says credit card merchant fees are estimated at almost $200 million a year, that absorbing them would mean less revenue for government services, and that the ATO would have preferred to keep accepting credit cards. Credit cards made up 2.3% of tax payments in 2024–25.

Which payment options remain?

According to the Commissioner's statement, debit cards, BPAY, direct deposit, Australia Post and international money remitters remain available. The ATO says people experiencing financial hardship can contact it for help.

What critics say (reported)

The ABC reported that ACCI called the decision a 'staggering double standard' given businesses can no longer surcharge, and that some businesses are raising prices to recover card costs. These are reported claims, not ATO findings.

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