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Form 1099 service
All variants · January 31 deadline

E-file your 1099s. IRS, states, and recipients, in one shot.

1099-NEC is due to recipients and the IRS by January 31. 1099-MISC is due to recipients January 31, to the IRS February 28 (paper) or March 31 (e-file). The IRS e-file threshold is 10 forms in aggregate for the calendar year. We e-file with the IRS through the FIRE system, deliver to recipients by USPS or email, and participate in the Combined Federal/State Filing Program for the 32 states that use it.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Form 1099 E-File, end-to-end.

1099-NEC is due to recipients and the IRS by January 31.

1

W-9 collection or upload

We pair this with our W-9 collection workflow (or you upload your existing W-9 inventory). The system extracts TIN, legal name, and address from each W-9 and validates against the IRS TIN matching service.

2

1099 generation

We generate 1099-NEC, 1099-MISC, 1099-K, 1099-INT, 1099-DIV, 1099-B, 1099-R, or 1099-G as your situation requires. Most clients only need 1099-NEC (for non-employee contractor payments over $600).

3

Recipient delivery

We deliver Copy B to each recipient by USPS first-class mail by January 31 (or by email if the recipient consented to electronic delivery during W-9 collection).

4

IRS and state e-file

We e-file Copy A with the IRS through the FIRE system by January 31 (1099-NEC) or March 31 (1099-MISC e-file). For participating states we file simultaneously through the Combined Federal/State Filing Program at no extra charge.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent form 1099 e-file pricing.

State filing fees pass through at cost. No upsells.

Mid-volume

$3.99
100-499 forms.

Per-form pricing for 100 to 499 forms annually. All features included. Bulk W-9 import from CSV or your accounting system.

Get started

Enterprise

$2.99
1,000+ forms.

Per-form pricing for high-volume filers. API integration available for direct payroll/AP system feed. Dedicated account manager and SOC 2 Type II audit trail.

Get started
FAQ

About the Form 1099 E-File Service.

When are 1099s due?
1099-NEC: January 31 to both recipients and the IRS. 1099-MISC: January 31 to recipients, February 28 to IRS (paper) or March 31 (e-file). Other variants generally follow the 1099-MISC schedule.
What is the IRS e-file threshold?
10 forms in aggregate across all your information returns (1099s, W-2s, 1095s, etc.). The threshold was 250 until 2024 when the IRS lowered it. Almost every business now hits the threshold and must e-file.
What is the Combined Federal/State Filing Program?
The IRS forwards your 1099 data to participating state tax departments at no extra cost when you e-file through FIRE. 32 states participate. The remaining states (including some big ones like NY, NJ, CT) require separate state filing. We handle both paths automatically.
Do I need to send 1099s to LLCs?
Single-member LLCs taxed as disregarded entities: yes (treat as a sole proprietor). LLCs taxed as partnerships: yes. LLCs taxed as C-Corps or S-Corps: no (corporations are exempt except for medical and legal services and gross proceeds to attorneys). The W-9 each recipient signs tells you which one they are.
What if I miss the January 31 deadline?
Penalties scale by lateness: $60 per form if filed within 30 days, $130 if filed between 31 days and August 1, $330 if filed after August 1 or not at all (2026 amounts). Intentional disregard is $660+ per form with no maximum cap.
What is a B-notice?
The IRS notice you receive when a 1099 has a TIN/name mismatch. You must send the recipient a B-notice and start backup withholding (24%) until they provide corrected information. Our TIN matching service catches mismatches before filing, eliminating B-notices.
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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