Highlights

• Spenda said its Gateway platform is aimed at businesses affected by the ATO decision to stop accepting Credit card payments from 30 November 2026.

• The company cited A$14.6 billion of ATO payments made by credit card and estimated about A$200 million in annual merchant fees across that payment activity.

• Spenda Gateway allows businesses to fund payments to the ATO and suppliers using a credit card while managing Accounts Payable through one dashboard.

• Spenda said its service fee ranges from 1.2% to 1.7% per transaction, with the fee displayed before payment authorisation.

• The announcement did not disclose customer numbers, signed contracts, expected Revenue or the share of the cited payment Volume that Spenda expects to process.

ATO Credit Card Cut-Off Creates a Defined Transition Date

Spenda said the ATO will stop accepting credit card payments from 30 November 2026. The company cited ATO transaction volumes of A$14.6 billion paid by credit card and estimated that this activity generates about A$200 million in annual merchant fees. It also said credit cards represented 2.3% of ATO collections in 2024-25, while around 60% of credit card payments by value came from privately owned and wealthy groups and from public and multinational businesses.

How Spenda Gateway Works

Spenda describes Gateway as an AI-powered accounts-payable platform that allows a Business to fund payments to the ATO and suppliers using a credit card. The platform brings accounts payable, payments and rewards into a single dashboard, with transaction fees displayed to the payer before authorisation.

The company said users can retain card rewards and interest-free periods when using the service. It also stated that the platform processes payments five times faster than traditional accounting platforms. That processing-speed claim is the company's own statement in the announcement.

Transaction Fees and Commercial Positioning

Spenda said it charges a service fee of 1.2% to 1.7% per transaction. The release also referred to a 0.8% interchange cap on business credit cards, but it did not explain how that cap relates to Spenda's service fee or disclose how much of the fee is retained by the company.

What to Watch Through November 2026

The key dated milestone is 30 November 2026, when the ATO is due to stop accepting credit card payments. Any evidence of commercial traction for Spenda Gateway would need to come through subsequent company reporting, including customer additions, transaction activity or financial disclosures. None of those outcomes was quantified in the 6 October announcement.

Key Insights

Spenda has linked a specific regulatory payment change to an existing accounts-payable product that can fund ATO and supplier payments through credit cards. The addressable payment figures cited by the company indicate the size of the current ATO card-payment channel, but they should not be treated as Spenda revenue expectations. The next material evidence will be whether the platform converts the 30 November transition into measurable customer and transaction activity.