If you owe taxes and cannot pay the full amount by the due date, it is important to pay as much as you can to reduce interest and penalties. The IRS offers multiple payment options to make the process easier and more manageable.
Electronic Payment Options
Paying electronically is a fast, secure, and convenient way to pay your taxes. Available options include:
Direct Pay – Allows you to pay directly from your bank account with no additional fees.
IRS Online Account – Provides access to view your tax balance, payment history, and other account details. You can also make payments using a bank account, debit card, or credit card.
IRS2Go App – A mobile app that lets you pay taxes online from your phone.
Mailing a Payment
If you prefer to mail a payment, include a check or money order payable to the U.S. Treasury. Ensure you include your name, address, taxpayer identification number, tax year, and the form number on your payment to avoid processing delays.
Payment Plans
If you cannot pay in full, you may qualify for a payment plan:
Short-Term Payment Plan – Provides up to 180 days to pay the full amount, with interest and penalties accruing.
Long-Term Payment Plan (Installment Agreement) – Allows monthly payments over an extended period. There may be a user fee unless you qualify for a reduced rate.
To apply, use the Online Payment Agreement tool or submit Form 9465, Installment Agreement Request.
Alternative Payment Solutions
If a standard payment plan is not feasible, other options include:
Offer in Compromise – A settlement agreement that allows you to pay a reduced amount if you meet certain financial hardship criteria.
Temporary Collection Delay – If you cannot pay at all due to financial hardship, the IRS may delay collection efforts, though penalties and interest will still accrue.
Avoiding Collection Actions
Ignoring tax debt can result in penalties, liens, or other collection actions. It is important to respond to IRS notices and arrange a payment plan if needed.