The Apsis blog
Product updates, small-business guides, and notes from the team.
Guide
PAYG instalments explained for sole traders
Why the ATO starts asking for tax during the year, how the amount is worked out, when you can vary it, and how it comes off your final bill.
Guide
GST on business expenses: what you can claim and what you cannot
GST credits for sole traders: the tax invoice rule, purchases with no GST in them, private use, cars, entertainment and the mistakes that trigger amendments.
Guide
Sole trader tax return: the 31 October deadline and how to hit it
If you lodge your own return it is due 31 October. What sole traders must include, the agent extension, penalties, and a one-evening prep list.
News
Counterfeit notes at an eight-year high: what to check
Reserve Bank figures put counterfeit detections at an eight-year high, almost all $50s and $100s. How to check notes and cut your cash exposure.
Guide
Unpaid invoice follow-up: five email templates that get you paid
Copy-and-adapt emails for the day before due, the day after, one week, three weeks, and the final notice, plus what to do when emails stop working.
News
Sole traders: ATO credit card deadline is now 30 June 2027
The government will fund the ATO to keep taking credit cards until 30 June 2027. What the extra months change for payment plans and tax planning.
News
Sole traders: ATO credit card cut-off moves to 30 June 2027
The government will cover the fees so the ATO keeps taking credit cards until 30 June 2027. What that changes, and what has not changed on your invoices.
Guide
Can you charge late fees on invoices in Australia? Rules and wording
Late fees and interest are allowed if agreed up front. What counts as agreed, fair amounts, consumer-law limits, and wording you can paste into your terms.
Guide
BAS due dates and how to prepare without the last-minute scramble
Quarterly and monthly BAS dates, what changes when a BAS agent lodges for you, and a two-hour prep routine that makes lodgment routine.
Guide
Taking deposits: how much, how to invoice, and the GST timing
Typical deposit sizes, how to invoice a deposit and the balance, and when GST on a deposit is reported. Written for sole traders who do project work.
News
Sole trader earnings benchmarks: what the new data means
A new report benchmarks taxable income across 116 sole trader occupations. What the averages do and do not tell you, and how to work out your own.
News
ATO will stop taking credit cards: what sole traders can do
The ATO announced it will stop accepting credit cards for tax payments. What that changes for BAS, instalments and payment plans, and the options left.