Pay the IRS Online for Free From Your Bank
Pay the IRS free with Direct Pay or your Online Account, and call a tax pro if you can't cover the balance.
Call a tax pro now(866) 627-6913
We answer your call 24/7, review your IRS balance free, and start your fix today.
Official and free
IRS Direct Pay and your IRS Online Account take the payment straight from your bank at no cost. Cards work too, through a processor that charges a fee.
How do you pay the IRS free from your bank?
IRS Direct Pay is free and needs no sign-in. It takes the money straight from your checking or savings account. One payment cannot go over $10 million.
You can change or cancel a scheduled payment up to 2 business days before it goes out. Pick "Installment agreement" as the reason so the money goes to your plan.
What does it cost to pay the IRS by card?
Two processors take cards for the IRS, and both charge a fee. Pay1040 charges $2.15 for a debit card and 1.75% for a credit card, with a $2.50 minimum.
ACI Payments charges $2.10 for debit and 1.85% for credit, also with a $2.50 minimum. No part of the fee goes to the IRS, per the IRS card payments page.
| Processor | Debit card | Credit card |
|---|---|---|
| Pay1040 | $2.15 | 1.75% ($2.50 minimum) |
| ACI Payments | $2.10 | 1.85% ($2.50 minimum) |
Can you still pay the IRS through EFTPS?
Individuals can no longer open new EFTPS accounts, per the IRS EFTPS page. If you already use it, you can keep using it for now.
EFTPS lets you schedule payments up to 365 days ahead. New payers use Direct Pay or the Online Account instead.
Can you pay through your IRS Online Account?
Your IRS Online Account can send a same-day payment or schedule one up to 365 days ahead from your bank. It shows up to 5 years of payment history and your balance by year.
This is the easiest place to make an irs payment plan payment online and watch your balance drop. The same login lets you see and change your plan.
How do you know your IRS payment posted?
Direct Pay gives you a confirmation number on the spot. Save it until your balance shows the payment.
Your balance can take one to three weeks to update. If you are not on a plan yet, read the setup steps. Or call now and a licensed tax pro sets one up with you today.
What to do now: get your payments on track
If you don't pay within 10 days of a notice of intent to levy, the failure to pay penalty becomes 1% per month. Interest also runs at 7% per year, compounded daily. Call now and a licensed tax pro reviews your balance free and sets up a payment you can keep, starting today.