The IRS is moving to electronic payments. Paper refund checks for individuals start phasing out on September 30, 2025. For payments you send to the IRS, keep using current options (including EFTPS, IRS Direct Pay, and checks) until the IRS issues further guidance—but it’s smart to switch to electronic payments now. See the IRS news release and the Executive Order for details.
What’s changing (and when)
Refunds go digital first (Sept 30, 2025): Paper refund checks will be phased out and replaced by direct deposit or other secure electronic payment methods, with limited exceptions allowed by law. Guidance for 2025 returns will be published before the 2026 filing season. (IRS news release)
Incoming payments are next: A March 25, 2025, Executive Order directs agencies (including the IRS) to transition federal disbursements and receipts to electronic methods “to the extent permitted by law.” The IRS has indicated that taxpayers should continue using existing payment options until further notice while it finalizes the rules. (Executive Order 14247)
How to pay the IRS electronically now
- EFTPS (Electronic Federal Tax Payment System): Best for businesses, trusts/estates, and frequent payers; enroll to schedule and track payments. (Enrollment may take a few days; set it up early.)
- IRS Direct Pay (from bank account): Fast, free option for individuals to pay directly from a checking or savings account—no sign-in required.
- Electronic funds withdrawal (EFW) while e-filing: Authorize a direct debit when you e-file your return or extension.
- IRS payment options: Credit/debit cards and some digital wallets are available via IRS-approved processors (processing fees may apply).
What about paper checks?
For now, the IRS states you should continue using existing payment options (which currently include checks) until it issues new guidance—but expect a transition toward mandatory e-payments in the future. If you still rely on checks, begin moving to electronic options to avoid last-minute changes. See IRS payment options and the IRS news release.
Accessibility & exceptions
The policy includes limited exceptions and options for those without bank accounts (e.g., prepaid debit solutions or digital wallets). If you need a bank account, resources like FDIC GetBanked can help you find low- or no-cost options. The Taxpayer Advocate Service has also urged the IRS to protect vulnerable taxpayers during the transition.
Action checklist
- Set up EFTPS (for businesses, trusts, estates, and individuals who often pay).
- Use IRS Direct Pay for one-off individual payments.
- Add direct deposit details to your return so future refunds land in your account (see IRS direct deposit guidance).
- Verify and update bank info now; don’t wait for filing season.
- Watch for IRS guidance on the timeline for mandatory electronic payments you send.
Security tip
Electronic payments reduce the risk of mail theft, but watch for phishing. The IRS never initiates contact by text/email to request payment details. Report suspicious messages to phishing@irs.gov and see how to report tax scams.
How can Archer Lewis help?
Archer Lewis can help you get in front of these changes so they’re one less thing on your plate at tax time. Our team can walk you through which electronic payment options make the most sense for your situation, help you enroll in EFTPS, set up and test bank information, and ensure your refund and payment instructions are correct on your returns. We can also help your internal team update processes and calendars so e-payment deadlines and workflows are clearly mapped out—before the IRS makes them mandatory.
If you’re unsure where to start—or worried about security, access, or how this shift affects your cash flow—let’s talk. Your Archer Lewis advisor can review your current payment habits, identify any risks or gaps, and put together a simple step-by-step plan to transition to secure electronic payments with the IRS. That way, when the rules change, you’ll already be ready.
