While taxpayers currently retain the option to submit paper checks and money orders for IRS payments, electronic payment methods offer convenience and efficiency for managing tax obligations. Understanding the available electronic options can help taxpayers streamline their payment processes, especially as the IRS transitions away from certain systems.

Effective October 17, 2025, individuals are no longer able to create new enrollments via EFTPS.gov. The Electronic Federal Tax Payment System (EFTPS) for individual taxpayers will be sunset in late 2026. Taxpayers who are already enrolled in EFTPS.gov can continue to make payments using the system for now; however, they are encouraged to transition to the IRS Online Account for Individuals or IRS Direct Pay. All individuals will be required to transition from EFTPS.gov later in 2026.

Taxpayers have several electronic payment options available. These include direct debit from bank accounts through IRS Direct Pay, credit or debit card payments via approved processors, the IRS Online Account for Individuals, and electronic funds withdrawal when e-filing returns. Each method has different processing timelines and associated fees, particularly for credit card transactions, which should be factored into payment planning.

For those currently using EFTPS or interested in transitioning to electronic payments, advance preparation is beneficial. Taxpayers should verify their banking information with their tax preparers, establish an IRS Online Account or familiarize themselves with IRS Direct Pay, and understand the cutoff times for same-day processing. For quarterly estimated tax payments, implementing electronic payment processes early can prevent last-minute complications.

While paper checks remain a valid payment method, electronic options provide faster processing, immediate confirmation, and greater flexibility in managing tax payments throughout the year.