Keep paying the ATO by credit card after 30 June 2027

When are ATO credit card payments changing?

Short answer: The ATO states that after 30 June 2027 you will no longer be able to use a credit card to make payments to the ATO. From 1 July 2027 BAS, PAYG, income tax and other ATO liabilities cannot be paid by credit card directly. You can keep paying by card through B2Bpay.

The ATO's statement is on ato.gov.au. It affects every credit card type, including American Express, Visa and Mastercard, and every taxpayer who currently pays the ATO by card through its own channels.

If your business pays the ATO by credit card for the points or the interest-free days, you need a different approach before the deadline. The good news is that it already exists and takes a few minutes to set up.

How does paying the ATO through B2Bpay work?

B2Bpay accepts your card payment and sends the funds to the ATO by bank transfer using the payment reference number you provide. To the ATO, it is a normal payment against your account.

1. Sign up to B2Bpay and add your credit or debit card to your wallet. Visa, Mastercard and American Express are accepted.
2. Add the ATO as a payee and enter your payment reference number (PRN) and the amount.
3. Pay with your card instead of making the payment from your bank account, or schedule it for a date before the due date.
4. B2Bpay pays the ATO on your behalf. Allow up to 3 business days for settlement.

This is the same mechanism B2Bpay uses to pay any supplier who does not accept cards, and it is why the ATO's change does not affect it. See how to pay the ATO by credit card.

Why keep paying the ATO by card instead of bank transfer?

Because a card payment gives you points and time, and a bank transfer gives you neither.

Keep using your credit card. The ATO is removing direct card acceptance, but your business does not have to stop using its card for eligible ATO payments.

Keep up to 55 days of cash flow. The ATO is paid on time while the cash stays in your account until your statement is due, depending on your card and cycle. On a large quarterly BAS that is meaningful working capital.

Earn full credit card points. The payment is ordinary business spend on your card, so you earn at your card's standard rate under its terms, rather than the reduced or zero points many issuers apply to direct ATO payments.

Earn B2B Points on top. 1 B2B Point per $1 on Earn Max or per $2 on Earn Plus, convertible to Qantas Points, Velocity Points, Avios or Luxury Escapes Société Points.

Reconcile automatically. Payments flow to Xero, MYOB or QuickBooks through B2Bpay's integrations.

Which ATO payments can you make through B2Bpay?

B2Bpay is for business payments, so the ATO liability needs to be an eligible business expense with a valid payment reference number. That typically includes:

• Business Activity Statements (BAS) and GST
• PAYG withholding and PAYG instalments
• Company and income tax
• Fringe Benefits Tax (FBT)
• Other ATO liabilities with a valid PRN

If you are unsure whether a payment is eligible, the B2Bpay team can confirm before you pay. For what sits outside the scope, see payroll, super and what you cannot pay.

What does it cost?

A platform fee per payment, ex GST, depending on card type and plan. No monthly fee is stated.

Platform fees ex GST, as published at b2bpay.com.au. The exact fee is shown before you confirm each payment.

The ATO currently charges no card fee, and the RBA banned card surcharges from 1 October 2026. B2Bpay's fee is a platform fee for the service, charged whichever way you pay, including bank account and PayTo. Weigh it against the interest-free days and points you get back. The fee is itemised on your tax statement and is generally a business expense; confirm with your accountant. See pricing.

What else can you pay by card through B2Bpay?

The ATO change is a timely reason to look at B2Bpay, but the platform covers most regular business outgoings: suppliers who only invoice by bank transfer, rent paid to a landlord or property manager, utilities, insurance premiums, telco and professional services.

Rather than draining your bank account the moment each invoice arrives, you use your card's billing cycle to smooth the timing between getting paid and paying others. Over a financial year many businesses find this gives a more predictable cash position, especially in industries with lumpy revenue or long debtor days. See paying suppliers with a credit card.

Start planning for the ATO change now

30 June 2027 may feel distant, but it will land in the middle of a normal payment cycle. If you pay quarterly BAS, monthly PAYG or annual income tax by card, setting up B2Bpay now means you can run a small test payment, confirm your PRN details, and know exactly how it works before it becomes urgent.

It also means you start earning points and using interest-free days on tax payments sooner. For businesses with significant ATO obligations each quarter, that compounds.

Sign up for B2B Points with your choice of partner, or sign up to earn Qantas Points. Prefer a walkthrough first? Get started with the team or call 1300 205 575. For the full background read ATO credit card changes 2027.