If you’re making a personal payment to the ATO on a personal card, you’ll be charged at the business rates. Payments to the ATO, including superannuation, are always charged at the business rate when using any American Express card. If you have an ABN, you may be classified as a business. If you’re making a business payment with a personal American Express card, you may be charged at the business rate.  The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment.