How to Pay the IRS with EFTPS

How to pay the IRS with EFTPS thumbnail graphic
5
min read
October 4, 2021

The Electronic Federal Tax Payment System (EFTPS) is a free tool provided by the U.S. Department of the Treasury that allows businesses and individuals to pay federal taxes online or via phone. 

EFTPS can be a convenient way to make payments to the IRS because it’s available 365 days per year, 24 hours per day, and the federal government will debit your bank account without any processing fees.

Individuals, however, can choose to make income and self-employment tax payments by check, credit card, or the Internal Revenue Service’s Direct Pay system (available at IRS.gov). But corporations generally have to use an electronic funds transfer (EFT) to make all federal tax deposits, including federal income taxes, income and payroll taxes withheld from employee paychecks, federal excise taxes, the employer’s share of Social Security and Medicare tax, and payments toward an installment agreement. EFTPS is the easiest way to do this.

Why Should I Use EFTPS?

Even if you’re not required to use EFTPS, there are several benefits to doing so, such as:

How to Enroll in EFTPS Payments

The one drawback of using EFTPS is how long it takes to get started. Due to the extensive security protocols in place, registering to use the system can take several days. Here’s how it works:

  1. Gather your information. To enroll, you need your business’s Employer Identification Number (or your Social Security number or taxpayer identification number if you don’t have an EIN), the routing and account number for your financial institution, and the name and address that appeared on your last filed tax return.
  2. Enroll online. Go to EFTPS.gov and select “Enroll.” Accept the legal notice, then select “Business” to enroll your business or “Individual” to enroll yourself. Enter the requested information and hit “Submit.”
  3. Get your PIN and password. Within about one week, the IRS will send you a personal identification number (PIN) in the mail. Once you receive your PIN, go back to EFTPS.gov and click on “Need a Password.” Log in with your EIN or SSN and PIN. Verify your banking information or your enrollment number (which appears on your PIN letter) and select “Next.” You’ll be prompted to create a new internet password.
  4. Make a payment. Once you have your PIN and password, you can log into your account and select “Make a Payment.” Follow the on-screen instructions to enter your payment information, select a payment date, and complete the process. You can also make payments over the phone by calling EFTPS customer service at 1-800-555-3453 and following the prompts to make your payment.

The IRS allows businesses to make some — but not all — tax payments on the day they’re due. To be eligible for same-day processing, your payment must be $100,000 or less and you have to submit it prior to 3 p.m. EST on a business day.

If your payment doesn’t meet the criteria above, you’ll need to schedule your payment at least one calendar day before the tax due date by 8 p.m. EST in order for your payment to be processed on time.

Avoiding EFTPS Scams

Millions of individuals and businesses use EFTPS each day to make federal tax payments. And whenever there are big dollars involved, there’s sure to be scammers trying to take advantage of the situation.


In the past, the IRS has warned taxpayers about email scams involving EFTPS. In one scam, taxpayers received an email claiming that the electronic tax payments they made through the system were rejected and directing them to retry their payment by clicking on a link. Clicking on the link resulted in malicious malware being installed on the recipient’s computer.

To avoid falling prey to a similar scam, the IRS recommends that you never click on any links, open attachments, or reply to senders of unsolicited emails about your taxes — whether they appear to come from the U.S. Treasury Department, EFTPS, the IRS, or another source.

If you’re worried about a tax payment being rejected, go directly to EFTPS.gov and log into your account. Since the system provides up to 16 months of payment history, you should be able to spot any issues by reviewing your account.

Getting Help with the Electronic Federal Tax Payments System

The U.S. Department of Treasury offers several ways to get help with making payments or getting help with the EFTPS website.

Check out the Contact Us page at EFTPS.gov for additional information.

Let’s Wrap it Up

Because the EFTPS enrollment process takes a few days, it isn’t a good solution when you need to make a tax payment right away — at least not if you don’t already have an account.

Still, the security and convenience of electronic payments make it worth going through the registration process. Once you’re set up, the system remembers your information, which makes any future payments that much easier.

And if you’d rather not deal with the EFTPS system at all, your tax professional or payroll service provider can make deposits via EFTPS on your behalf. With Hourly, all your taxes are filed automatically, so you won’t have to worry about EFTPS.

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