The ATO will stop accepting credit card payments after 30 November 2026, following the Reserve Bank's review of merchant card payment costs and surcharging. If you currently pay by credit card, you'll need to switch to another method. If your existing payment plan is linked to a credit card, you must update it before your next instalment falls due after 30 November.

*The ATO will no longer accept credit card payments after 30 November 2026.*

Can't pay on time? Consider a payment plan

If you can't pay your tax in full by the due date, you may be able to set up a payment plan. If you owe $200,000 or less, you can generally arrange it yourself through ATO online services or the self-help phone line, over up to two years. Plans longer than two years require a call to the ATO.[1] Your registered tax agent can also set up a plan for you.

While a plan is in place, you must lodge on time and pay any new tax debts in full and on time. If you don't, the plan may default and the full balance becomes payable immediately.[2] Income tax and activity statement debts need separate plans.

Interest still applies, and it's no longer deductible

Debts on a payment plan continue to attract the general interest charge (GIC), which compounds daily.[2] For the October to December 2026 quarter, the annual rate is 11.51%.[3] GIC incurred on or after 1 July 2025 is no longer tax deductible.[4]

Depending on your circumstances, interest on a business loan taken out to pay a tax debt may still be deductible. Get advice before refinancing.[5]

Interest-free option for small business BAS debts

Some small businesses may qualify for an interest-free payment plan over 12 months for overdue activity statement debts. The eligibility criteria are:[6]