Client Resources

    ATO Payment Arrangements

    Use the below steps to get in touch with the ATO and negotiate a successful payment arrangement for your outstanding tax or super debt.

    If you require further assistance from our office, please refer to the final step for additional information and costs.
    1. 1

      Gather necessary information

      Collect all the relevant information regarding your income tax or integrated client debt, including the amount owed, any penalties or interest charges, and your financial situation.
    2. 2

      Check eligibility for setting up a payment arrangement

      You may be eligible for a payment arrangement if you are experiencing financial difficulty due to unforeseen circumstances or if you have a debt that you are unable to pay in full.
    3. 3

      Contact the ATO

      Below are a number of ways to contact the ATO for income tax and super:


      Set up via myGov

      Once you’ve signed into myGov:

      1. Select Australian Taxation Office in your services.

      2. In the menu select Tax, Payments, and then Payment plans.

      3. Select Add to set up a new payment plan for an account.


      Use our Payment plan estimator to work out a plan you can afford.



      Set up via Online services for business

      Once you’ve logged into Online services for business:

      1. In the menu select Accounts and payments.

      2. Select Payment plans.

      3. Select Add to set up a new payment plan for an account.



      Set up via phone

      Before you phone the ATO, have the details of your outstanding amount and your tax file number (TFN) ready so you can access your account.

      When you phone:

      1. Enter your TFN then #.

      2. Choose option 3 to make an arrangement to pay.

      3. Enter your debt amount.


      Call - 13 28 65 (7 days a week 24 hours a day)

      Businesses phone 13 72 26 to set up a payment plan. Available 7 days a week 24 hours a day.
    4. 4

      Provide required information

      Provide your tax file number, debt or liability information, income and expenditure information as requested by ATO.


      You may be asked to provide details such as your contact information, income statement, bank account statements, proof of any changes on your financial position, and similar documentation.


      This helps the ATO locate your account and assess your eligibility for a payment arrangement.
    5. 5

      Explain your circumstances

      Clearly communicate your financial situation and the reasons for seeking a payment arrangement. Be honest and provide accurate information about your income, expenses, assets, and liabilities. This helps the ATO understand your ability to make repayments and determine the most suitable arrangement.
    6. 6

      Discuss payment options:

      Engage in a discussion with the ATO representative about the available payment options. The ATO offers various arrangements, such as:

      a. Lump sum payment: Paying the debt in full by a specified date.
      b. Instalment plan: Making regular payments over an agreed-upon period until the debt is fully repaid.
      c. Combination payment: A combination of a lump sum payment and instalments to settle the debt.
      d. Deferred payment: Deferring payment until a specific event occurs or your financial situation improves.
    7. 7

      Negotiate terms

      Work with the ATO representative to negotiate the terms of the payment arrangement. This includes determining the amount and frequency of payments, the duration of the arrangement, and any concessions or interest charges applicable.
    8. 8

      Confirm the arrangement

      Once the payment arrangement terms are agreed upon, ensure that you have a clear understanding of the agreed-upon terms. Request written confirmation or a payment arrangement agreement from the ATO. This document should outline the specific details of the arrangement, including the amount owed, the payment schedule, and any other relevant conditions.
    9. 9

      Make your payments on time and stick to the arrangement

      It is important to make your payments on time as per the agreement with ATO. If you miss any payments or fail to pay on time, incur penalties, the arrangement may be cancelled, and you may need to pay the debt in full.


      You can make payments to ATO through various payment options such as BPAY, direct debit, online payment, or through your registered tax agent.

    10. 10

      Reassess your payment arrangement

      If your financial situation changes or you are having difficulty in meeting the payments, contact ATO immediately to discuss your options. ATO can review your payment plan and make suitable changes if needed.


      It is important to keep ATO informed of any changes to your financial situation. This will help you to avoid any penalties or interest charges on the outstanding debt.

    11. 11

      Contact our office for further assistance

      If you require any assistance with this service, please do not hesitate to contact our office.

      Note that services are subject to the hourly rates chargeable by the team member you engage with and can be estimated ahead of time at your request. 

      From past engagements, the fee for Negotiating and setting up a payment arrangement with the ATO is between $110 - $220 (per account) depending on the complexities involved. If it is likely to fall outside of this range, you will be notified in advance.

      Note that as additional charge will incur in the event your arrangement defaults and your plan is renegotiated by our office and we much go through the same process with the ATO with more difficult negotiation requirement.

      Contact - 1300 699 161
      Email - info@befinancial.com.au
      32 Main Rd Bakery Hill, VIC 3350