The Austrian Work Permit Explained for First-Time Applicants
If you are applying for the first time, the most useful thing to understand about the Austrian work permit system is that there is no single permit. Austria uses several different migration routes, and the one that applies to you depends primarily on your nationality and the kind of employment you have been offered. Citizens of the EU, the EEA and Switzerland generally have access to the Austrian labour market without obtaining a traditional work permit, although residence and registration duties still apply. Third-country nationals normally need a residence title that also grants permission to work, and in most cases that requires a concrete job offer before you can file anything. This guide separates the steps that first-time applicants most often confuse: finding a job, receiving an offer, obtaining work authorisation, applying for a residence permit, and applying for an entry visa.
What Is an Austrian Work Permit
In everyday conversation, people use the phrase Austrian work permit to mean any document that lets a foreign national work legally in Austria. In Austrian law, the picture is more precise. Permission to work and permission to reside are two different things, governed by two different laws, and for most skilled workers they are granted together in a single card.
The Act Governing the Employment of Foreign Nationals regulates the employment of foreign nationals under its German abbreviation, AuslBG. Residence and settlement are regulated separately under settlement and residence law. The Red-White-Red and the EU Blue Card are combined titles, meaning one card covers both residence and employment. Other instruments, such as an employment permit an employer obtains for a worker who already has a right of residence, cover only the work side.
The practical consequence is that you should stop looking for one permit that fits everyone and instead identify which route fits your nationality, your qualification and the specific job you have been offered.
Who Needs a Work Permit in Austria
Citizens of EU and EEA member states and citizens of Switzerland do not need work authorisation. They may take up employment, change employers, and work as self-employed, essentially on the same footing as Austrian nationals. Registration and residence formalities still apply and should not be treated as optional.
Third country nationals, meaning anyone who is not an EEA or Swiss citizen, normally need a residence title that includes labour market access before they may start working. A small number of specific groups are treated differently under Austrian law, for example, certain family members of EEA citizens and people holding particular protection statuses. These are genuine exceptions with their own conditions, not general rules, and you should not assume one applies to you without checking with the responsible authority.
Can EU Citizens Work in Austria Without a Work Permit
Yes. Freedom of movement gives EU, EEA and Swiss citizens access to the Austrian labour market without a work permit, and an Austrian employer does not need authorisation to hire them.
Two registration duties still apply. First, anyone who moves into accommodation in Austria, including Austrian citizens, must register the address with the local registration office within three working days. This produces the Meldezettel, a document you will be asked for repeatedly. Second, if you intend to stay longer than three months, you must apply for a registration certificate, the Anmeldebescheinigung, with the competent settlement authority within four months of arrival. The required evidence differs depending on whether you are employed, self-employed, studying, or economically self-sufficient. Third-country family members of EEA citizens follow a separate procedure. They should confirm their position with the residence authority.
Can Non-European citizens Work in Austria?
Yes, provided they have the correct authorisation in place first. Third country nationals who plan to stay longer than six months need a residence permit. A Schengen visa covers shorter stays, and some nationalities may enter without a visa for up to 90 days in any 180 days; one of these entry rights permits employment.
Most employment routes require a binding job offer before you can file an application; this is not bureaucratic decoration. The authorities assess the specific position, the salary attached to it, the collective agreement classification and whether your qualification matches the role. Without a named employer and a defined job, there is nothing to assess.
Employment must not begin before you receive the necessary approval;w; working without authorisation is unlawful under the AuslBG, exposes the employer to administrative fines, and can seriously damage your future applications. Entering Austria as a tourist does not allow you to work, and it does not automatically allow you to convert your status.
Main Austrian Work Permit and Residence Routes
For employment purposes, the principal routes are:
- Red-White-Red Card, the main criteria-led route for qualified workers from third countries, covering several distinct applicant categories
- EU Blue Card, for applicants with higher professional qualifications and a job matching that qualification
- Red-White-Red card carries unrestricted labour market access and is used for family members and for card holders who progress from the standard card.d
- Job Seeker Visa: a limited-entry route for a specific highly qualified group, used before a job offer exists.
- An employer applies for an employment permit (Beschäftigungsbewilligung) for a worker who already has a right of residence but not free labour market access.s
After five years of lawful settlement, holders may become eligible for the long-term resident EU title, which brings unrestricted labour market access. That title carries its own conditions, including a German language requirement.
Red-White-Red Card Austria
The Red-White-Red is Austria’s criteria-led migration system for qualified third-country workers. It is a combined residence and employment title, issued for 24 months, and it authorises employment with the employer named in your application. Eligibility is assessed through points awarded for qualifications, professional experience, language skills and age, with thresholds that differ by category.
Very Highly Qualified Workers
Aimed at applicants with strong academic, research or senior professional profiles. This is the only category that you can pursue before you have a job offer, through the Job Seeker Visa. The points threshold is the highest of any category.
Skilled Workers in Shortage Occupations
For applicants who have completed vocational training in an occupation named on the current shortage occupation regulation, who have a job offer paying adequately, and who reach the points threshold for this category. No labour market test is required, which is the main practical advantage of this route.
Other Key Workers
For applicants with a binding job offer whose occupation does not appear on the shortage list. A labour market test applies, and the authorities set the salary condition for this category and update it annually.
Graduates of Austrian Universities and Higher Education Institutions
For those who have completed a qualifying programme at an Austrian institution. No labour market test applies, and the salary must correspond to the applicable collective agreement and locally customary pay for comparable junior employees.
Self-Employed Workers and Start-Up Founders
For applicants whose self-employment or innovative business creates economic benefit beyond the business itself. These categories are assessed on different criteria from employed routes.
A further category covers regular workers in tourism, agriculture and forestry who have built up a qualifying record of seasonal employment. Each category has its own conditions, and the salary figures attached to some of them are reset at the start of each calendar year, so always check the current values on the official migration portal rather than relying on any article.
Austria EU Blue Card
The EU Blue Card is a separate, combined title for third-country nationals with higher professional qualifications. Applicants generally need a completed university degree or an equivalent recognised qualification, a binding job offer or employment contract for a role that matches that qualification, a gross salary at or above the threshold Austria applies to Blue Card employment, and health insurance. The Public Employment Service, known as AMS, carries out a labour market test as part of the procedure.
Austria links the Blue Card threshold to average full-time earnings and republishes the amount annually. For this reason, any figure you find quoted online may be out of date. Because you must demonstrably meet the salary, guaranteed contractual base pay matters more than variable bonuses. For regulated professions, you must also prove that you meet the national legal requirements for practising. Confirm the current threshold and documentary checklist directly with the official Austrian migration portal or the responsible Austrian representation.
Austria Job Seeker Visa
Austria does operate a Job Seeker Visa, but it is far narrower than most first-time applicants expect. It is a category D visa valid for six months, available only to third-country nationals who meet the points threshold for the Very Highly Qualified Workers category. AMS confirms the points score with Austrian representation before issuing the visa; it is not a general visa for anyone looking for work in Austria, and there is no equivalent route for skilled trades, transport, or hospitality applicants.
The visa allows you to be in Austria and search for suitable employment. It does not by itself authorise you to take up work. If you receive a qualifying offer while the visa is valid, you may then apply for the ReRed-White-Redard for Highly Qualified Workers, and you can file this application with the residence authority in Austria. If you do not find a suitable position within the six months, you must leave when the visa expires. Applicants who may enter Austria without a visa do not need this route or to attend interviews.
Skilled Workers in Shortage Occupations
Austria publishes an annual regulation, the Fachkräfteverordnung, that identifies occupations employers have repeatedly been unable to fill from the domestic labour market. It includes a nationwide list that applies across the country and separate regional lists that apply only where the employment is located, meaning a job in one province may qualify. In contrast, the identical job in another does not.
Depending on the occupation, you must normally have completed vocational training comparable to a multi-year apprenticeship, and for some listed occupations, you must have higher education. Appearing on the list does not guarantee approval. You must still reach the points threshold, have the right training, be offered adequate pay, and meet the general residence conditions. Occupations are added and removed each year, and applications are assessed against the list in force when they are submitted.
Other Key Workers
This category exists for applicants with a firm job offer in an occupation on the shortage list. Because the domestic labour market has not been identified as short of these skills, a labour market test applies: the permit is granted only where AMS cannot place an equally qualified person already registered as a jobseeker.
Applicants must reach the points threshold for this category and be offered at least the minimum gross monthly salary set for it, in addition to any higher amount required by the applicable collective agreement. Applicants with special know-how or skills, for example in creative or sporting fields, may not need to evidence formal training in the usual way. An employer’s declaration containing specific details about the intended place of employment must be filed with the application.
Austrian Work Permit Requirements
Requirements differ by route, but most employment applications involve the same building blocks:
- A nationality that requires authorisation in the first place
- A binding job offer or employment contract from a named Austrian employer, for most routes
- A qualification that matches the role, and formal recognition where the profession is regulated
- Sufficient points under the applicable category, where a points system applies
- A salary meeting both the category threshold and the applicable collective agreement
- Health insurance covering all risks in Austria
- Adequate means of subsistence measured against the statutory reference rate
- Accommodation evidence, where the route requires it
- No circumstances presenting a threat to public order or security
Proof of locally customary accommodation is not required for the Red White Red Card or the EU Blue Card. However, accommodation costs are still taken into account when assessing subsistence, and accommodation evidence may be required when family members apply. Treat the list above as orientation and confirm the exact requirements for your category with the responsible authority.
Documents Required for an Austrian Work Permit
- Valid travel document, normally a passport with sufficient remaining validity
- Recent passport photograph meeting the specified format
- Birth certificate, where required for your category
- Employment offer or signed employment contract
- Employer’s declaration, the Arbeitgebererklärung, completed by the employer
- School, vocational and university certificates with transcripts
- Evidence of professional recognition where the occupation is regulated
- Employment references and service confirmations
- Language certificates, where relevant to points or to the occupation
- Proof of health insurance, or evidence that cover has been applied for
- Proof of accommodation and means of subsistence, where applicable
- Police clearance certificate, where requested
- Certified translations by a court-certified translator for documents not in German
- Legalisation or apostille for documents issued abroad, where required
Checklists vary by category, by the authority handling the file and by your country of residence. Ask the responsible Austrian representation or residence authority for its current list before you pay for translations or legalisation, because requirements differ by location.
How to Apply for an Austria-specific permit by location
- Check your nationality and eligibility. Confirm whether you have free labour market access or need authorisation.
- Select the correct permit category. Use the official points calculator and category descriptions for initial guidance.
- Find a qualifying vacancy. Target initial guidance training and ensure that an employer can lawfully fill the role with a foreign worker.
- Obtain a binding job offer. For most routes, you can’t file anything without one.
- Check the salary and queue; you can’t file anything if you don’t meet the requirements. Confirm the gross salary meets both the category threshold and the applicable collective agreement.
- Collect your documents. Gather originals and copies as listed on the authority’s checklist.
- Obtain certified translations. Use a court-certified translator and add legalisation or an apostille as required.
- Have your employer prepare the supporting documents. This includes the employer’s declaration and position details.
- Submit the application to the correct authority—either the Austrian representation abroad or the competent authority in Austria, depending on your situation.
- Complete the AMS assessment. The residence authority forwards the file to AMS, which examines points, qualifications, salary and, where applicable, the labour market test.
- Respond quickly to requests for further documents. Delays here suspend the clock rather than pausing it politely.
- Wait for the official decision. Do not resign, book flights, or send money before you receive it.
- Apply for an entry visa where required. Visa-required nationals apply for a category D visa to travel and collect the card.
- Travel only after approval. Entry before approval creates problems that are difficult to undo.
- Attend in person and collect your residence card. They take your fingerprints and issue the card.
- Complete the process within three working days of moving in.
- Begin employment legally. Start work only once you hold the card permitting it.
Who Submits the Application
This depends on where you are lawfully residing, your nationality and the route. As a rule, you file the application in person with the competent Austrian representation, the embassy or visa-issuing consulate, in your country of residence. If you may enter Austria without a visa, you may instead file with the competent residence authority in Austria during your lawful stay. Your prospective employer may also file the application with the residence authority in Austria on your behalf.
You can lodge applications for the Red-White-Redard for Very Highly Qualified Workers at the residence authority in Austria, which makes the Job Seeker Visa route workable. Confirm the correct filing location for your own case before travelling, because submitting in the wrong place wastes both time and fees.
What the Austrian Employer Must Provide
Your employer’s role is substantial but supporting. Typically, th th the employer provides the job offer or employment contract; a description of the position and its duties; c c confirmation of the gross salary and the collective agreement classification; the employer’s declaration with details of the place of employment; and cooperation with AMS and the residence authority during the assessment. Where a labour market test applies, the employer’s vacancy reporting matters.
The employer does not decide the outcome. The residence authority makes the decision, informed by the AMS assessment. A supportive employer improves your chances of a complete, well-evidenced application. It cannot promise you an approval, and you should be cautious of any employer or intermediary who claims otherwise.
Where to Submit the Application
Submit applications to an Austrian representation abroad or to the competent Austrian residence authority. In Austria, the competent body is the Provincial Governor, an authorised Regional Administrative Authority, or the Local Administrative Authority, depending on where you will live. No single office handles every case, and only reunification applications are directed to a designated authority.
Suppose you file an application abroad and the procedure takes longer than your permitted stay elsewhere; the rules on departure and re-entry apply strictly for a first residence permit. Check the competent authority for your intended place of residence before you begin.
Austria Work Permit Processing Time
Where the file is complete, the residence authority is expected to decide on aRed-White-Redd Card application within eight weeks. AMS or Red-White-Red’s expert opinion is expected within three weeks as part of that process. If you need an entry visa afterwards, the representation typically requires roughly a further two weeks to issue a category D visa, and it will hold your passport during that period.
Those figures describe a clean case. In practice, applications take longer when documents are missing or incomplete, when qualification checks or professional recognition procedures are still running, when a labour market test is required, when certified translations or legalisation have to be obtained, when appointment availability at a representation is limited, or when the authority requests additional verification. No authority, employer or adviser can guarantee a decision date. Plan a realistic timeline from job offer to first working day rather than assuming the statutory period is the whole story.
Austria Work Permit Costs
Several separate charges can arise, and it helps to budget for them as a group rather than as one fee:
- The government application charge for the residence title
- The charge for producing and issuing the residence card itself
- The entry visa fee, where a category D visa is needed
- Certified translation costs, charged per document by a court-certified translator
- Legalisation or apostille fees (court-certified country)
- Health insurance premiums where you must arrange cover yourself
- Document courier, postage and appointment travel costs
- Qualification recognition or assessment fees where applicable
Government fees are set by regulation, revised from time to time, and charged separately for family members. Additional personal documents or a visa requirement can raise the total. Check the current amounts on the official migration portal or with the Austrian representation handling your case before transferring any money, and never pay government fees into a private bank account.
Salary Requirements for Austrian Work Permits
Salary requirements depend entirely on the permit category. Some categories carry a fixed minimum gross salary set by the authorities and revised annually. Others have separate thresholds and instead require that you be paid at least what the applicable collective agreement and local custom provide for the role.
All thresholds are expressed in gross terms, meaning the amount before income tax and social insurance contributions are deducted. Austria has no single universal statutory minimum. It has sector-level collective agreements (Kollektivverträge) that set minimum pay and many working conditions, and they cover most private-sector employees regardless of whether the employer belongs to an association. Your minimum entitlement therefore depends on which agreement applies to the employer’s business and how your role is classified within it by duties, qualifications and relevant experience.
Foreign workers must receive lawful employment conditions. Paying a foreign worker less than the applicable collective agreement minimum is unlawful, and wage and social dumping rules exist specifically to address it. If an offer sits below the collectively agreed rate for the role, that is a problem for the application as well as for you.
Does Austria Offer Visa Sponsorship
Applicants usually mean one of two things by sponsorship: that an employer will hire someone who needs a permit, and that the employer will handle the paperwork. Both happen in Austria, but neither is universal or guaranteed.
The employer’s genuine role, or guaranteed job offer, is to confirm the salary and classification, complete the employer’s declaration, and cooperate with the authorities. An employer may also file the application with the residence authority. No employer can decide the outcome. The residence authority grants or refuses the title based on the AMS assessment.
Many Austrian employers, especially smaller ones, recently want candidates who already have our market access, because the procedure takes time and administrative effort. Ask early and directly whether an employer is willing to take part, and treat any promise of a guaranteed permit as a warning sign rather than a selling point.
Jobs That May Qualify Foreign Workers
Sectors where third country applicants are realistically recruited include information technology and software development, engineering, healthcare and care services, skilled trades, construction, manufacturing and production, tourism and hospitality, transport and logistics, research, and a range of technical occupations.
Being employed in one of these sectors does not by itself qualify you for a permit. What matters is the specific role, the qualification behind it, whether the occupation appears on the current shortage lists, and the salary attached to the position. Whether your general residence conditions are met, a software developer post and a warehouse post in the same company can fall under entirely different immigration routes, and some roles may not support an application at all.
Truck Driver Work Permits in Austria
Professional drivers face two separate hurdles that first-time applicants often merge into one. The first is first-time permission, which follows the same rules as any other occupation and depends on your nationality, category and job offer. The second is professional driving qualification, which is a transport law question and is assessed independently of your residence requirement qualifications side; employers generally expect the correct licence category, normally C for rigid goods vehicles above 3.5 tonnes and CE for articulated combinations, together with the EU professional driver qualification. That qualification is shown by the code 95 marking, obtained through an initial qualification and maintained by periodic training. Austria records code 95 on the driving licence itself rather than issuing a separate driver qualification card. A valid tachograph driver card, current medical fitness and documented experience are also standard requirements.
A licence issued outside the EU or EEA is not automatically valid or exchangeable in Austria. Whether exchange is possible, and whether it extends to goods vehicle categories at all, depends on the issuing country. Several countries are recognised for car categories only; in those cases, you must take Austrian theory and practical tests for C and CE. Professional driving qualifications obtained outside the EU are generally not recognised as code 95 either. Build realistic time into your plans for these steps.
Qualification Recognition in Austria
Austria distinguishes between regulated and non-regulated professions. In a regulated profession, formal recognition of your qualification is a legal precondition for practising at all. This covers health professions, teaching at public schools, nursery teaching, legal practice, and several trades and commercial activities. Recognition procedures differ depending on whether you obtained the qualification within the EU or in a third country. In those cases, formal recognition is not compulsory, although an assessment of your qualification can strengthen an application by giving Austrian employers and authorities a familiar reference point. Certified translations by a court-certified translator are commonly required, and where full equivalence with an Austrian qualification is legally necessary, a nostrification procedure exists. Free, multilingual advice is available from the contact points for people with qualifications acquired abroad, known as AST, and the official recognition portal identifies which authority is responsible for your profession.
German Language Requirements
No single language level applies across all occupations. German can contribute points in the points system, and it may be a formal requirement for regulated professions and for longer-term residence titles.
Separately from the immigration rules, German shat employment is realistically open to you. Most Austrian workplaces operate in German, and roles involving Austrian customers, colleagues, patients, site teams or authorities generally expect it—English works in companies, technology teams, research institutes, and institutes and so on. Check what your specific route and your specific employer require rather than adopting a level quoted in a general article.
Can Applicants Bring Their Family
Family reunification is possible for many permit holders, and family members of Red White Red Card holders typically receive the Red White Red Card plus, which carries unrestricted labour market access. That is a meaningful advantage, because a spouse does not then need a separate employer-sponsored permit.
Eligibility and conditions depend on your own residence title, the family relationship, and evidence of adequate accommodation, sufficient income and health insurance covering everyone. You may need accommodation evidence intended for a single applicant once family members apply. Family applications have their own fees and processing times, and approval is never automatic. Check the requirements for your specific title before making commitments at home.
Can a Worker Change Employers
The standard Red White Red Card authorises employment with the employer named in your application, so a change of job is not automatic. Austrian law provides a route to the permit holder’s purpose, provided you submit all required documents; you may change employment after a 45-day waiting period. If documents are missing or incomplete, that period is suspended until the file is complete.
Holders who have worked for at least 21 months within the preceding 24 months may apply for the Red White Red Card Plus, which provides restricted labour market access and removes the tie to one employer. Because the details depend on your category and your record of employment, obtain written confirmation from the residence authority before you resign from anything.
What Happens if the Job Ends
The consequences depend on your permit type, how long you have held it, why the employment ended and what you do next. A title tied to a named employer rests on that employment continuing, so the end of the job affects the basis on which the card was granted. Holders with broader labour market access are in a different position.
The practical advice is the same in every case. Contact the responsible residence authority promptly rather than waiting to see what happens, keep written evidence of the termination, and ask what options and deadlines apply to your situation. This article describes the general framework and cannot substitute for advice on your individual case.
Common Reasons for Refusal or Delay
- Incomplete documents or missing annexes
- Applying under the wrong permit category
- Qualifications that cannot be verified or have not been recognised where recognition is required
- Insufficient evidence for claimed points
- A salary below the category threshold or below the applicable collective agreement
- A job that does not match the conditions of the chosen permit
- Missing or non-certified translations
- Filing at the wrong authority or in an uncertified location
- Inconsistent information across the application, contract and certificates
- Problems with the employer’s declaration or supporting documentation
Most of these are avoidable with careful preparation. If a residence authority does not issue the title, you receive a formal official notification, a Bescheid, and you are entitled to lodge a complaint against that decision within the applicable deadline. Read the notification carefully, because it states the reasons and the deadline.
How to Avoid Work Permit and Job Scams
First-time applicants are the most frequently targeted group. Treat the following as serious warning signs:
- Guaranteed permits, guaranteed visas or guaranteed approval claims
- Guaranteed or paid embassy appointments outside official booking channels
- Employers that cannot be traced in any company register
- Contracts with no company details, no classification and no signature
- Any request to pay in exchange for a job offer
- Payments requested to a personal bank account or by untraceable transfer
- Salaries far above the normal range for the occupation and region
- Pressure to submit false documents or overstate your qualifications
- Requests to surrender your original passport to an intermediary
The clear line between legitimate professional fees and fraud: A licensed adviser, an accredited translator, a registered recruitment agency or a training provider may charge for a defined service. No one can sell a permit decision; if someone claims influence over an authority’s decision, stop there.
Rights of Foreign Workers in Austria
Employment protections apply regardless of nationality. In general terms, these cover lawful pay at or above the applicable collective agreement minimum, written information about the essential terms of employment, regulated working hours and rest periods, paid annual leave, workplace safety obligations on the employer, registration in the statutory social insurance system once employment begins, and protection against discrimination.
Austria also operates bodies that assist employees directly. The Chamber of Labour (Arbeiterkammer) provides information and advice, and trade unions, the Equal Treatment Ombud, and the labour courts are available depending on the issue. Ask before signing, not after a problem develops.
First Time Applicant Checklist
- Confirm whether your nationality requires authorisation at all
- Identify the permit category that fits your qualification and offer
- Check the current nationwide and regional shortage occupation lists
- Obtain a binding job offer in writing
- Verify the gross salary against the category threshold and the collective agreement.
- Start professional recognition early if your occupation is regulated
- Collect certificates, references and a valid travel document
- Obtain certified translations and any required legalisation
- Confirm the employer has completed theemployer’ss declaration
- Confirm the correct filing authority for your situation
- Budget for government charges, translations, insurance and travel
- Respond immediately to any request for further documents
- Travel only after the approval has been issued
- Collect the residence card, register your address, then start work
Conclusion
For first-time applicants, the Austrian work permit system becomes far less intimidating once the sequence is clear. EU, EEA and Swiss citizens move straight to employment and handle registration afterwards. Third-country nationals usually need a qualifying job offer first, then the correct combined residence and employment title, then an entry visa where required, and only then can they travel and start work. The details that decide the outcome are unglamorous: the right category, a salary that satisfies both the threshold and the collective agreement, complete documents, proper translations and the correct filing authority. Because thresholds, fees, shortage occupation lists and procedures are revised regularly, verify the current requirements with the responsible Austrian authority or representation before you apply.
Sources
- Migration Platform of the Austrian Federal Government, Federal Ministry of the Interior
- Permanent Immigration and the Red-White-Red Card, migration.gv.at
- Public Employment Service Austria (AMS)
- Work and Migration, Federal Ministry of Social Affairs, Health, Care and Consumer Protection
- EU Blue Card in Austria, European Commission Immigration Portal
- Living and Working Conditions in Austria, EURES, European Commission
- Registration Certificate for EU Citizens and Swiss Nationals, oesterreich.gv.at
- Professional Recognition in Austria, Berufsanerkennung. at
Declaration
This article is provided for general information only and does not constitute legal or immigration advice. Austrian immigration rules, government fees, salary thresholds, points criteria, shortage occupation lists and application procedures are revised regularly, and requirements depend on nationality, qualification, occupation, employer, province and residence status. Moving2Europe.eu accepts no liability for decisions taken on the basis of this article. Confirm the current requirements for your own case with the responsible Austrian authority or the competent Austrian representation before submitting any application or making any payment.


