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Top 7 1099-INT eFile Software for 2025

When banks, credit unions, lending platforms, or even small businesses pay someone interest, they must report it to the IRS using Form 1099-INT. If a business pays interest to many people, they will end up sending a lot of this each year.

Starting in 2024, there is an important change: If a business is filing ten or more forms of any kind (not just 1099-INT, it also includes W-2s, 1099-NECs, etc.), they now have to e-file with the IRS. This was set under the new T.D. 9972 rule.

For the 2025 tax year (filed in early 2026), here are the deadlines everyone needs to remember:

  • Recipient copies due: February 2, 2026 (next business day after January 31, 2026)
  • IRS e-file deadline for TY2025: March 31, 2026 (Paper March 2, 2026)
  • Form 1099-INT threshold: Report $10+ interest, or any amount if backup withholding applies.

Missing these deadlines can be hard on your pocket. The IRS penalty structure for late or incorrect filings runs on a ladder:

  • $60 per form if corrected within 30 days
  • $130 per form if corrected by August 1, 2026
  •  $330 per form if filed after August 1, 2026
  • $660 per form for intentional neglect

For small businesses, even a single small mistake–multiplied by hundreds of accounts can quickly add up to thousands of dollars in fines. The good news? There are tools designed to make this whole process much easier.

To help businesses avoid penalties, we have curated and compared seven of the best 1099-INT e-filing software for 2025. Here they are:

1.Tax1099

Zenwork’s Tax1099 is one of the most widely used e-filing platforms in the U.S. It’s used by different organizations, from local clubs and HOAs to regional banks and fintech lenders, to file their 1099 forms (including 1099-INT). Think of it as a secure, all-in-one platform for reporting interest, contractor payments, and other tax forms without needing to be a tax expert.

Why Tax1099 stands out:

  • Handles almost any tax form — you name it, it has it: NEC, MISC, DIV, R, K, 5498, W-2s, and even tricky filings like 1042-S and 3921/3922, not just the 1099-INT.
  • You can copy from Excel/CSV files, connect it with accounting software like QuickBooks or Xero, sync with NetSuite, or send files securely via SFTP. It offers a REST API for automation if your business files are in high volumes.
  • It has built-in tools that double-check information, such as verifying names, matching IRS TINs, confirming USPS addresses, detecting duplicate data, and collecting W-9s with e-signatures.
  • It works in all 50 states, fully supports the IRS Combined Federal/State Filing program, and can manage separate state filings where required. (like California and Pennsylvania).
  • Recipients can access forms through a secure portal, by USPS mail, or via an online archive.
  • It’s built with toplevel security and offers live chat support between 8:00 AM–6:00 PM CST (weekdays).

Best for (with real-life examples):

  • Small organizations like an HOA can export an Excel/CSV file from their bank, upload it to Tax1099, fix any missing details instantly, e-file to the IRS, and send copies to recipients in under an hour.
  • Growing businesses like a lending platform verify each investor’s TIN through Tax1099 before paying interest. Typos and mismatches are flagged immediately, preventing rejections and IRS penalties for a smooth, error-free year-end.
  • Larger institutions like a community bank, often need automated, bulk filing with strict compliance. The bank exports daily interest files to an SFTP folder. Tax1099 picks them up, validates names and TINs, and maintains year-to-date records. At year’s, the bank bulk efiles to the IRS and delivers customer forms without a last-minute scramble.

In short, Tax1099 gets forms where they need to go safely, on time, and without penalties.

2.Track1099 (Now Avalara 1099)

Track1099 is now part of Avalara, bringing it into a broader compliance ecosystem. It’s especially helpful for businesses looking to reduce manual entry and keep data in sync automatically. With integrations to major accounting platforms, there’s no need to upload spreadsheets or retype data repeatedly.

  • It connects easily with software such as QuickBooks, Bill.com, Xero, and NetSuite.
  • It automates routine tax operations via a REST API with 5,000 free sandbox calls each month — including data uploads, ID number (TIN) checks, and IRS “B Notice” follow-ups.
  • It supports federal filing and selected state filing directly, with additional options for other states.
  • Recipients can access forms through a secure portal, with optional USPS mailing and multi-year filing history.
  • Pricing is about $3 per form, with bulk and custom tiers available.
  • It offers chat and email support, powered by Avalara’s team.

Best for: Companies already using Avalara or seeking smooth integrations with their accounting software.

3. TaxBandits

If you are an accountant or payroll provider filing 1099s for multiple businesses, then this tool is for you. The ability to import data securely in many different ways makes filing faster and more accurate.

  • It provides an easy-to-use dashboard to manage different businesses.
  • It imports data via manual entry, CSV, QuickBooks, secure SFTP upload, and API with OAuth 2.0.
  • It handles both IRS and state filings, plus corrections if needed.
  • It offers an optional print-and-mail service called “BanditComplete”.
  • It provides clear audit trails and a history of all filings.

Best for: CPAs and firms that need a simplified way to handle many clients’ tax forms.

4. Yearli by Greatland

It works well for businesses that may need more time. It offers different plans depending on your needs. You can start with the Core plan for basic needs and move to Performance or Premier as your volume grows or requirements get complex.

  • Core: Simple IRS filing with recipient copies.
  • Performance: Adds state filing and TIN matching.
  • Premier: Adds multi-year archives, APIs, and a dedicated rep.
  • Imports: Works with CSVs, QuickBooks, Sage, Peachtree, and even fixed-width EDI files.

Best for: Businesses that want flexible, tiered pricing and room to grow into advanced features.

5. 1099 Pro

1099 Pro is an enterprise-grade compliance solution. It is built to handle enormous filing volumes while staying compliant with tough state-specific rules. Companies can pick whether they want to do it in-house (desktop or SaaS cloud) or outsource everything to their Service Bureau.

  • It can handle large data uploads with SOAP or REST APIs.
  • Meets strict state filing rules for places like California and Oregon.
  • For companies filing thousands of forms, the service bureau will file and manage everything for you.

Best for: Large companies or compliance teams managing a high volume of forms.

6. ExpressE-File

ExpressE-File is built for the “keep it simple” crowd. If you only need to file a few forms each year, it’s an affordable choice to get them done without compromising on compliance.

  • Cost starts at $1.49 per form, with bulk discounts if you file more than 250+ forms.
  • It enters data manually or uploads an Excel sheet.
  • Files instantly to the IRS and states that use the combined system.
  • It runs on secure AWS hosting, MFA, and HTTPS encryption.
  • It provides ticket-based email support and self-help articles.

Best for: Small businesses that only file a handful of 1099 forms each year.

7.  FileYourTaxes.com

FileYourTaxes.com is all about experience and dependability. While it doesn’t have the flashy automation or advanced integrations, it’s reliable, straightforward, and backed by human support

  • One of the oldest IRS e-filing providers (25+ years).
  • Enter data manually or upload CSV files.
  • On-screen checks help reduce IRS rejections.
  • Offers both IRS filing and mailing options.
  • You can access past years’ copies, too.
  • Phone support during business hours plus video tutorials.

Best for: Small businesses that want a simple, proven, pay-as-you-go solution.

FAQs

1. Is the $10 reporting threshold still valid?

Yes, $10 or more must be reported, or any amount if backup withholding applies.

2. Which tools offer TIN matching?

Tax1099 and TaxBandits offer real-time TIN matching options; Track1099 offers TIN matching (typically 24-hour turnaround).

3. Do I need state filing for 1099-INT?

Yes, you may need to file separately if your state doesn’t use CF/SF for that form or year, or if it requires direct submissions.

4. Can multiple EINs be managed under one account?

Yes, all seven tools support multi-EIN dashboards.

5. What happens if the IRS rejects a file?

Just correct and resubmit within 30 days to lower penalty risks.

6. Is IRS authorization equal to endorsement?

No. Authorization only verifies technical ability to transmit returns.

7. Can I file an extension?

Yes, Form 8809 can extend the deadline; each provider offers this option.