The U.S. Treasury has announced a major change: after September 30, 2025, paper checks will no longer be accepted for federal payments, including tax payments. This move is part of a government-wide effort to increase efficiency and reduce fraud by transitioning to electronic payment methods.
What Does This Mean for You?
Starting October 1, 2025, most taxpayers and payees must use one of the following electronic payment options:
– Direct debit (ACH/Electronic Funds Withdrawal)
– IRS Direct Pay** (from checking or savings accounts)
– Electronic Federal Tax Payment System (EFTPS)
– Debit card, credit card, or digital wallet (via IRS-authorized processors)
– IRS2Go mobile app
– Cash payments at select authorized retail partners or IRS Taxpayer Assistance Centers (with registration and processing time)
– Online payment agreements (installment plans) for those unable to pay in full.
Are There Any Exceptions?
Yes. Paper checks may still be accepted after September 30, 2025, for:
– Individuals without access to banking services or electronic payment systems
– Individuals who would experience undue hardship if required to use electronic payments
– Certain national security and law enforcement activities
The Treasury Secretary will determine the scope and application of these exceptions, and further guidance is expected, especially for vulnerable populations.
What Should You Do Next?
- Review your current payment methods.
- Prepare to transition to an approved electronic option before the September 30, 2025, deadline.
- Watch for additional guidance if you believe you may qualify for an exception.
