The Switch to Electronic Tax Payments: What You Need to Know
As of September 30, 2025, the IRS no longer accepts paper checks for tax payments.
This change, part of Executive Order 14247, is designed to modernize the federal payment system, reduce fraud, and improve efficiency.
While most taxpayers already receive refunds electronically, this new rule marks a significant shift for those who still rely on mailing paper checks, especially individuals making estimated tax payments throughout the year. If you’re one of them, now is the time to prepare for a smooth transition to digital payments.
Why the Change?
Paper checks are more likely to be lost, stolen, or delayed than electronic payments. They also cost more to process and are a common entry point for fraud. By moving to digital payments, the IRS aims to:
- Speed up processing and refunds
- Reduce administrative costs
- Enhance security for taxpayers
What Does This Mean for Estimated Tax Payments?
Estimated tax payments, typically made quarterly by self-employed individuals, retirees, and others with non-wage income, are directly impacted. If you’ve been mailing checks to the IRS each quarter, you’ll need to switch to one of the approved electronic methods before the next payment deadline.
Failing to do so could result in delayed processing, penalties, or missed payments. The IRS will no longer process paper checks after the September 30 deadline, so it’s essential to act now. Fortunately, the process is straightforward and offers several options to fit your preferences.
How to Pay Taxes Online
There are four online payment options available. Before making a payment, ensure you have the correct tax year and form, know the exact amount you need to pay, and have your banking or credit card information ready. Then, visit the IRS’s secure payment portal at www.irs.gov/payments to complete your transaction.
IRS Direct Pay
This is the simplest and most popular method. It allows you to pay directly from your checking or savings account with no fees. You’ll need your Social Security number or Individual Taxpayer Identification Number (ITIN), filing status and tax year, and bank routing and account numbers. Once submitted, you’ll receive a confirmation number for your records.
Debit or Credit Card
You can also pay using a debit or credit card through one of the IRS’s approved third-party payment processors. Note that service fees may apply. This option is suitable if you need more payment flexibility.
Electronic Funds Withdrawal
If you’re e-filing your return, you can schedule a payment directly from your bank account as part of the filing process. This method is convenient and ensures your payment is submitted on time.
IRS2Go Mobile App
If you prefer to pay on the go, you can download the IRS2Go app to access all the above payment options from your smartphone. The app also provides tax updates, refund tracking, and helpful resources.
Time to Make the Switch
Take action today by setting up your online payment method. You can pay your taxes, make estimated payments, or start a payment plan easily and securely with the IRS’s online tools. If you have questions or need help, reach out to your tax advisor for guidance.
Brandon J. Yuska
Director of Tax & Consulting
CPA