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If you're not able to pay the tax you owe by your original filing due date, the balance is subject to interest and a monthly late payment penalty. There's also a penalty for failure to file a tax return, so you should file timely even if you can't pay your balance in full. It's always in your best interest to pay in full as soon as you can to minimize the additional charges.
Paying electronically is a convenient way to pay your federal taxes online, by phone for EFTPS: The Electronic Federal Tax Payment System or card payments, or digital wallet, or from a mobile device. Electronic payment options are available on our payments page and the IRS2Go app. When paying electronically, you can schedule your payment in advance. You'll receive instant confirmation after you submit your payment. You can opt in to receive email notifications about your payments. The IRS uses the latest encryption technology making electronic payments safe and secure. It's quick, easy, and much faster than mailing in a check or money order.
IRS Direct Pay is a secure service you can use to pay your taxes for Form 1040 series, estimated taxes or other associated forms directly from your checking or savings account at no cost to you. Complete the five easy steps and you'll receive instant confirmation after you submit your payment. With Direct Pay, you can use the "Look Up a Payment" feature to view your payment details and status. You can opt in to receive email notifications about your payment. You can also modify or cancel your payment up to two business days before your scheduled payment date.
You can access your federal tax account information through a secure login at Your Online Account. You can view the amount you owe along with details of your balance, view your payment history, access Get Transcript to download or print your tax records, and view key information from your current year tax return as originally filed. In addition, you can pay using your bank account or a debit card, credit card or digital wallet or apply for an online payment agreement if you need more time to pay.
If you decide to pay by mail, enclose a check or money order with a copy of your tax return or notice. Make it payable to the United States Treasury and provide your name, address, daytime phone number, taxpayer identification number, tax year, and form or notice number (for example, 2022 Form 1040) on the front of your payment.
If you can't pay in full, you should pay as much as possible to reduce the accrual of interest on your account. Please refer to Topic No. 158 for information needed to ensure proper credit of your payment. You should consider financing the full payment of your tax liability through loans, such as a home equity loan from a financial institution or a credit card. The interest rate and any applicable fees charged by a bank or credit card company may be lower than the combination of interest and penalties set by the Internal Revenue Code.
For more information: https://www.irs.gov/taxtopics/tc202