Tax season is here, and the IRS is encouraging taxpayers to take advantage of its electronic payment options to file and pay taxes by the April 15 deadline. These digital tools are designed to make the process faster, safer, and more convenient, helping you avoid late filing penalties and interest fees. Whether you’re filing your return or requesting an extension, the IRS has a variety of online resources to simplify your tax responsibilities.
File for an Extension with IRS Free File
If you need more time to prepare your tax return, the IRS Free File program allows all taxpayers—regardless of income—to request a six-month extension. By filing Form 4868, “Application for Automatic Extension of Time to File U.S. Individual Income Tax Return”, you can push your filing deadline to October 15, 2025. However, it’s important to note that an extension to file is “not” an extension to pay. Any taxes owed must still be paid by April 15 to avoid penalties and interest. Even a partial payment can help reduce these charges.
Explore IRS Electronic Payment Options
The IRS offers several secure and convenient ways to pay your taxes electronically. Here are some of the most popular options:
First Way IRS Online Account:
Your IRS Online Account provides access to key information, such as your adjusted gross income, payment history, and digital copies of IRS notices. You can also use it to make same-day payments, pay quarterly estimated taxes, or request a filing extension.
Second Way Direct Pay:
Direct Pay is a free, fast, and easy way to make a one-time payment directly from your checking or savings account. No registration is required, and you can schedule payments up to 365 days in advance. You’ll receive immediate confirmation once your payment is submitted.
Third Way IRS2Go Mobile App:
The official IRS mobile app, IRS2Go, allows you to check your refund status, make payments, and access free tax preparation assistance. Available in both English and Spanish, it’s a handy tool for managing your taxes on the go.
Fourth Way Electronic Federal Tax Payment System (EFTPS):
EFTPS is a free service that lets you pay individual or business taxes online or by phone. It’s ideal for scheduling payments in advance or managing recurring payments.
Fifth Way Debit/Credit Card or Digital Wallet:
You can pay your taxes using a debit card, credit card, or digital wallet through authorized payment processors. Keep in mind that these processors may charge a convenience fee, but the IRS does not receive any portion of these fees.
Help for Taxpayers Who Can’t Pay in Full
If you’re unable to pay your tax bill in full, the IRS offers several options to help you manage your balance:
Online Payment Plans:
Most individual taxpayers qualify for a payment plan, which allows you to pay off your balance over time. You can apply online and receive immediate approval. Short-term plans (up to 180 days) and long-term plans (up to 72 months) are available, depending on your balance.
Offer in Compromise:
If you’re unable to pay your tax debt, you may qualify for an Offer in Compromise, which allows you to settle your debt for less than the full amount owed. Use the IRS’s “Offer in Compromise Pre-Qualifier Tool” to check your eligibility.
Temporary Delay of Collection:
In cases of financial hardship, the IRS may temporarily delay collection efforts until your financial situation improves. However, penalties and interest will continue to accrue during this time.
Non-Digital Payment Options
For those who prefer traditional methods, the IRS also accepts payments by check, money order, or cash. If paying by check or money order, make it payable to the “United States Treasury” and include your name, address, Social Security number, and “2024 Form 1040” on the front. For cash payments, the IRS partners with retail locations to facilitate the process, though it may take longer to process.
Know Your Rights as a Taxpayer
The IRS emphasizes that taxpayers have rights throughout the collection process. These include the right to be informed, the right to challenge the IRS’s position, and the right to appeal decisions. For more details, refer to the “Taxpayer Bill of Rights” and “Publication 1, Your Rights as a Taxpayer”.