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IRS Form 1099-K

Report payment card and third party network transactions to a payee.

Opens a fillable version in your browser. Free, no account, and free to download. This is a helper, not the official form.

About IRS Form 1099-K

Form 1099-K, Payment Card and Third Party Network Transactions, is filed by payment settlement entities such as card processors and payment apps to report the gross amount of reportable transactions to a payee and to the IRS. The recipient uses it along with their own records to report income.

This page is a general guide and a fillable helper, not tax advice. Always download and file the current official form from the IRS at https://www.irs.gov/forms-pubs/about-form-1099-k and confirm the fields match. The copy filed with the IRS is a scannable form, so follow the IRS instructions for filing.

Who needs to complete it

  • Payment settlement entities that process card or third party network payments.
  • Card processors and payment apps required to report gross payment transactions.
  • Businesses and sellers who receive a 1099-K to help report their income.
  • Anyone required by the IRS instructions to report payment card or network transactions.

How to fill out IRS Form 1099-K

  1. 1Enter the filer name, address, and taxpayer identification number for the settlement entity.
  2. 2Indicate whether the filer is a payment settlement entity or an electronic payment facilitator.
  3. 3Enter the payee name, address, and taxpayer identification number.
  4. 4Report the gross amount of payment card and third party network transactions for the year.
  5. 5Enter the gross amount for each month in the monthly boxes.
  6. 6Enter the number of payment transactions and any federal income tax withheld.
  7. 7Complete the state boxes if you need to report state information.
  8. 8Give the payee copy to the recipient and file the IRS copy by the deadlines in the current instructions, using the official scannable form for filing.
This page is a free fillable helper and general guide, not the official form and not legal or tax advice. Always download and file the current official version from the official source.

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Frequently asked questions

Who files a 1099-K?

Payment settlement entities such as card processors and payment apps file it to report gross payment transactions to a payee and the IRS. The reporting rules are set by the IRS. This is a general guide, not tax advice.

Does the gross amount equal my taxable income?

Not always. The 1099-K shows gross payments before fees, refunds, and other adjustments. You use your own records to figure the income you report. See the instructions for details.

Can I print this to file with the IRS?

No. The copy you file with the IRS must be the official scannable version. Use the IRS approved filing methods in the current instructions.

Is this the official IRS form?

This is a fillable helper for understanding the boxes. Always download and file the current official form from the IRS at https://www.irs.gov/forms-pubs/about-form-1099-k and confirm the fields match.