澳大利亚税务局从12月1日起禁止纳税人直接用信用卡缴纳税款1。这一决定旨在削减年度约2亿澳元的卡支付处理成本1，但引发小企业的广泛忧虑。
虽然信用卡支付仅占2024-25年度全部税款支付的2.3%，但其中逾60%的金额来自富裕私人集团、上市公司和跨国企业1。相比之下，约5%的小企业依靠信用卡支付来缓解现金流困难1。这意味着禁令的实施对小企业的影响将更为沉重。当前小企业面临的财务压力已十分严峻——澳大利亚小企业在2024-25年度欠缴税款总额达35.9亿澳元，较2018-19年度增加19.4亿澳元1。金融咨询澳大利亚机构报告称，其小企业债务咨询热线在2025年处理的案件增加了21%，其中近三分之二涉及澳大利亚税务局债务1。
联邦政府对这一禁令的影响已有所回应，据报道曾要求澳大利亚税务局与小企业进行进一步协商1。
Starting December 1, the Australian Taxation Office (ATO) will no longer allow taxpayers to pay tax bills directly using credit cards.1 The agency cited cost savings as the primary driver, estimating that credit card processing expenses amount to nearly A$200 million annually.1
The policy change has triggered significant concern among small business advocates. Although credit card payments accounted for only 2.3% of all tax payments collected in 2024–25, the impact falls disproportionately on smaller enterprises.1 Approximately 5% of small businesses relied on credit card payments to manage tax obligations during that period, often turning to this method to bridge cash flow gaps.1 The timing is particularly concerning given that small businesses currently owe A$35.9 billion in collectable tax debt in 2024–25, representing a sharp increase of A$19.4 billion since 2018–19.1
Financial pressures on small business operators appear to be intensifying. Financial Counselling Australia reported a 21% increase in cases handled by its small business debt helpline during 2025, with almost two-thirds of those cases involving ATO debt.1 In response to pushback from the business community, the Labor government has reportedly requested that the ATO conduct further consultation with small businesses regarding the payment restrictions.1 More than 60% of credit card payments by value came from wealthy private groups, public companies, and multinationals, suggesting the ban's effect will be most acutely felt by smaller operators.1
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