ATO (tax office) payments by credit card

[BillytheFIsh]

I’ve had a $2,000 payment through Beem to the ATO last week go missing. They are tracing with BPAY but I’m holding off on more payments for now.

 

[Scr77]

I’ve had a $2,000 payment through Beem to the ATO last week go missing. They are tracing with BPAY but I’m holding off on more payments for now.

This is concerning. I presume you made multiple $2k payments? How helpful have Beem been?

 

[BillytheFIsh]

This is concerning. I presume you made multiple $2k payments? How helpful have Beem been?

I make a few payments each month but generally don't hit the $10k/month limit.

Support is only by email but they have been reasonably responsive. I will give them a chance to sort it out and then post an update.


On a different issue, Sniip seem to have sorted out their dispute with Amex (proceeding discontinued) and have updated their terms to specify that (paraphrasing) all payments are received on trust for the customer and can't be used for any purpose other than making payments on behalf of customers. Might start dipping my toe back in there now.

 

[Duffa]

1.45% if you pay ATO directly with Amex and half points
OR
Use sniip and pay 1.5% incl gst with Amex and full points, no monthly cap

horse, water, drink

 

[BillytheFIsh]

...

Support is only by email but they have been reasonably responsive. I will give them a chance to sort it out and then post an update.

...

Beem have proved themselves useless if a payment goes missing. After stating they were "tracing" the payment with BPAY, a week later they gave me a generic 1800 number for the ATO and told me to call them myelf and "let them know how I go". They didn't even give me a Bpay receipt number or any evidence that the payment had been made. What a joke. I will now take it up with my bank. Beware.

 

[daft009]

Beem have proved themselves useless if a payment goes missing. After stating they were "tracing" the payment with BPAY, a week later they gave me a generic 1800 number for the ATO and told me to call them myelf and "let them know how I go". They didn't even give me a Bpay receipt number or any evidence that the payment had been made. What a joke. I will now take it up with my bank. Beware.

so sounds like we shouldn't do repetitive $2k payments?
$2k on day 1
$1999 on day 2
$1998 on day 3
and so on....

then we can trace it better if one goes missing

 

[jellybelly]

so sounds like we shouldn't do repetitive $2k payments?
$2k on day 1
$1999 on day 2
$1998 on day 3
and so on....

then we can trace it better if one goes missing

Great minds think alike, that is exactly what I am doing now. In the past I have not really reconciled all my payments, just looked how much still owed and paid it, looks like I have some work to do.

Good luck Billy, please keep us posted.

 

[BillytheFIsh]

Just as I was about to do a charge-back, I got a response to my escalated complaint. No luck with the tracing the payment yet but they have offered an interim solution which I am happy with and I will update if it comes through.

 

[tuan_nobel]

so sounds like we shouldn't do repetitive $2k payments?
$2k on day 1
$1999 on day 2
$1998 on day 3
and so on....

then we can trace it better if one goes missing

You should be able to do that all in the same day. And on the same day, BEEM seems to have a detection system where if you put 2 x $2000 back to back out of same card, the later wouldn't be processed. But $2000 then $1999 then $1998 should be fine. I haven't actually test if there's a daily limit yet.

 

[daft009]

You should be able to do that all in the same day. And on the same day, BEEM seems to have a detection system where if you put 2 x $2000 back to back out of same card, the later wouldn't be processed. But $2000 then $1999 then $1998 should be fine. I haven't actually test if there's a daily limit yet.

To be honest I'm only using it for small payments now.

When I started with beem they had a $2k/day limit and $10k/month limit

 

[tuan_nobel]

When I started with beem they had a $2k/day limit and $10k/month limit

That's still the official limit shown on Beem QnA, but seems not currently enforced, only the $2000/transaction limit at the moment.

 

[FrankMu]

So far so good hope their great customer support will continue to remain as it is in the future. I like every feature except the limits. However, every single payment system has its limits.

 

[exceladdict]

Slightly OT, but I just had a beem it rejection for a WA office of state revenue bpay via credit card (biller will not accept this payment method). It seems like the pass through from bpay is working correctly for billers that prohibit credit card via bpay.

 

[albyd]

I'm looking for a provider like Easy BillPay (EBP) to make bank transfers (I'm aware of BlueChain). Is there another service (which I might not yet have found by myself) which I can look at?

I asked EBP if they'd negotiate around their "high value" surcharge of 0.85% when a month's payments exceed $20,000. I've proposed paying a significant amount over that so figured it would be worth their while negotiating. It sure would make reconciliation easier than multiple lots of $2,000 payments on Beem. They've turned me down. Has anyone else had better luck? I'm sure I'm not the only one who has asked the same question of EBP.

 

[Scr77]

I'm looking for a provider like Easy BillPay (EBP) to make bank transfers (I'm aware of BlueChain). Is there another service (which I might not yet have found by myself) which I can look at?

I asked EBP if they'd negotiate around their "high value" surcharge of 0.85% when a month's payments exceed $20,000. I've proposed paying a significant amount over that so figured it would be worth their while negotiating. It sure would make reconciliation easier than multiple lots of $2,000 payments on Beem. They've turned me down. Has anyone else had better luck? I'm sure I'm not the only one who has asked the same question of EBP.

Can you still BPAY into your EBP account? If so, do they charge a fee for receiving the funds?

 

[albyd]

I've another look - it looks like it's assessed on transfers in > $20,000 per month so am assuming that includes BPay. I specifically wanted to top up from my Amex then make a bank transfer out. I was looking to do >$20,000 monthly high value quota. 1.7% is pretty steep but worth that extra flexibility over something less expensive like Sniip. 0.75% high value fee makes it uneconomic - I'm assuming that's why it exists. I know Blue Chain has that capability too but has some additional KYC for the recipient to pass as they're a B2B service and EBP is a consumer service so a bit easier historically IME.

 

[Scr77]

I've another look - it looks like it's assessed on transfers in > $20,000 per month so am assuming that includes BPay.…..

Ok. My suggestion wont be helpful then.

 

[Doctore1003]

If anyone is interested in trialling pay.com.au, you can get 10,000 bonus PayRewards points (=4k Qantas or KrisFlyer miles) when you put through $10k of payments in the first month.

Mastercard/Visa transaction fees are 0.8-1.2% while Amex is 1.9-2.1% (ex GST).

This is a partner offer for new customers via The High Life: Businesses: Earn reward points on nearly all business expenses via pay.com.au using your credit card or bank account - The High Life

 

[albyd]

Thanks for sharing @Doctore1003 do they offer payments via bank transfer and are they very stringent in assessing a payment recipient when on-boarding them?

 

[Doctore1003]

Thanks for sharing @Doctore1003 do they offer payments via bank transfer and are they very stringent in assessing a payment recipient when on-boarding them?

You can pay by bank transfer, which is free, but to earn points you need to pay a fee. Have a read of the article.
No idea about your second question though!