Top 6 1099-K Software Solutions for 2026

For payment card processors and online marketplaces handling thousands of transactions, managing 1099-K reporting can be a challenge. You need clean data, timely e-filing, and reliable recipient delivery to avoid costly penalties from the IRS.

Adding to the challenge is the One Big Beautiful Act (OBBA), which changed the minimum reporting threshold back to $20,000 in payments and at least 200 transactions.

So, how can businesses navigate this shifting landscape and remain in the IRS’s good books? The answer lies in using the best 1099-K e-file tool.

1. Tax1099 (Zenwork)

Tax1099 (Zenwork) is an IRS-approved e-filing software that helps marketplaces, gig-economy platforms, and payment businesses streamline and automate their 1099-K filing.

Top Features:

• Supports 1099-K filing with corrections, along with a broad range of forms (1099, W-2, 1042-S) as well as direct state filings.
• Offers seamless bulk imports via CSV or Excel, secure SFTP, and REST API.
• You get proactive validation with features like quick TIN/name matching services, USPS address checks, as well as duplicate detection, and schema validations.
• Provides flexible delivery options via a recipient e-delivery portal and optional print-and-mail services.
• Enterprise controls with role-based access and strong security with MFA/SSO.
• Get access to audit logs and a centralized dashboard.
• 24/7 AI tax assistance (Zenwork AI Tax Assist) that answers all your tax queries

Pricing:

• The platform offers volume-based tiered pricing for 1099-K e-filing and goes as low as $0.68 per form.
• You can start the filing process without any upfront fee with Tax1099’s Essential Plan. With each form you file, you can pay accordingly. For example, the pricing starts at $2.99 per form for 1 to 20 forms. Discounts apply as volume increases, extending to custom pricing for filers with more than 1,000 forms.
• Additionally, three subscription plans are available: Essential (pay-as-you-go), Teams ($249/year), and Scale ($349/year), which unlock advanced features like multi-user access, workflow management, bulk TIN matching, and custom integrations.

Pros:

• It doesn’t matter if you have small batches or a huge volume of forms, the platform scales with your filing needs.
• Strong data validation tools help you proactively avoid errors related to TIN mismatches, names, and addresses.
• Less manual work due to deep automation and integration capabilities.

Cons:

Learning curve during the initial setup phase.

2. 1099Online

1099Online is another 1099-K software designed to make 1099-K e-filing simple and error-free. It is ideal for businesses that value a straightforward and secure e-filing workflow and quick onboarding, without the complexity often found in enterprise-level tools.

Top Features:

• Prepare and e-file 1099-K online with basic correction options.
• Upload data via a simple CSV or Excel uploads, along with intuitive field mapping.
• Includes built-in TIN matching to help detect errors and flag TIN/name mismatches early.
• Flexible delivery options, including secure email PDFs and optional mailing services.
• Provides an organization-level dashboard for multiple businesses.
• Handles both federal and Combined Federal/State Filing (CF/SF).
• Robust customer support and access to support channels via phone or chat.

Pricing:

• 1099Online offers a budget-friendly, low-cost model. The service costs as $0.69 per return for high-volume filers (1000+ forms), with single filings costing up to $3.49 per recipient.
• It offers tiered pricing. $3.49 per form for 1 to 10 forms, $2.49 per form for 11 to 50 forms, $1.99 per form for 51 to 150 forms, and continues to decrease with higher volumes.
• Additional charges are applicable for mailing and TIN matching services.

Pros:

• This marketplace 1099-K reporting software has a user-friendly and straightforward interface that requires no big learning curve.
• Budget-friendly and offers some of the lowest e-filing prices online.

Cons:

• Not a lot of advanced automation or API options compared to enterprise-focused tools.
• Provides limited governance features for complex, multi-team settings where deep control and customization are required.
• It has a smaller integration ecosystem compared to platforms that rely heavily on open APIs.

3. Avalara 1099 & W9

Avalara 1099 & W9 is a TPSO 1099-K e-filing software that is part of the Avalara ecosystem. It is well-suited for finance teams already using Avalara or connected accounting apps like QuickBooks and Xero. This particular tax compliance software solution automates manual processes, and reduces errors, while maintaining compliance, saving time, and money.

Top Features:

• E-file your 1099-Ks with handy status updates.
• Supports integration with platforms like QuickBooks, Xero, NetSuite, and Bill.com.
• Offers secure recipient e-delivery with the option to add traditional USPS mailing services.
• Run TIN matches with the IRS and address verification with the USPS to reduce errors and penalties.
• Supports team permissions backed by 2FA and SSO.
• Customer Support includes access to their Knowledge Center, Live Q&A sessions with 1099 experts and AI assistance for queries.

Pricing:

• It uses a tiered, pay-as-you-go pricing model. The first 15 forms cost $3.10 each, forms 16-165 cost $2.30 each, forms 166-500 cost $1.30 each, and forms 501+ drop to $0.63 each.
• Additional services, such as state e-filing, TIN matching, address validation, and recipient postal mail, may incur extra charges.

Pros:

• Direct accounting integrations lead to a quick setup and significantly reduce duplicate manual entry.
• Provides clear filing status alerts and robust correction tools, helping teams stay on schedule.

Cons:

• Offers fewer prescriptive prompts for complex or edge-case validations compared to some competing platforms.
• Pricing can be steep for low-volume filing.
• The ecosystem may feel more closed compared to solutions offering open APIs and broader integrations.
• State filing support isn’t consistent across all states. So, multi-state payers should always confirm coverage.

4. TaxBandits

TaxBandits, previously known as ExpressTaxFiling, offers a streamlined and comprehensive e-filing experience for 1099-K and other information returns. This IRS-authorized platform empowers businesses and CPAs with its intuitive features and AI-powered assistance.

Top Features:

• Provides a multi-client dashboard with role-based access controls.
• Supports federal 1099-K filing, state filing, along with corrections and amended returns.
• Accepts bulk data uploads via CSV/Excel, secure SFTP, and powerful API Integration, with webhook status updates.
• Get secure recipient delivery via the recipient portal with print-and-mail services.
• Prevent errors with features like internal audit check, TIN matching and USPS address validation.
• Has a dedicated support team for assistance. High-volume filers get a 24×7 Dedicated Dev Support.

Pricing:

• TaxBandits has a volume-based, pay-per-form model. Pricing starts at $2.75 per form for low volume (1-10 returns). The cost decreases as volume rises, going as low as $0.80 per form for over 500 forms.
• A premium subscription is also available for $699/year.
• Additional charges may apply for add-ons like postal mailing and branding.

Pros:

• The platform works best for recurring, multi-EIN filing seasons.
• API integration, including webhooks for instant status updates helps internal systems stay synced.
• Compliant with multiple security standards, including SOC 2, HIPAA, CCPA, and PCI DSS.

Cons:

• Due to its feature-rich interface, initial set up time can be challenging.
• Has fewer turnkey marketplace integrations compared to competitors.
• Setting up multi-entity roles and permissions can take time upfront.

5. Yearli by Greatland

Yearli by Greatland is a straightforward 1099-K e-filing platform that has been designed for businesses of all sizes. It offers customizable tier-based pricing, easy data import, and a simple but efficient print-and-mail service.

Top Features:

• Easy scalability with its tiered plans (Core, Performance, and Premier) that cover 1099-K and other forms.
• Simple CSV/accounting data imports with address validation.
• Same-day USPS mailing for tight deadlines, depending on the chosen plan.
• Offers centralized archives and recipient management.
• Offers customer support via online chat, email, and phone support.

Pricing:

• Yearli offers a subscription model plus a per-form filing fee: Core (free + filing fee), Performance ($129/year + filing fee), and Premier ($799/year + filing fee).
• Premier subscribers can access à la carte pricing with volume discounts for bulk filing.

Pros:

• Scalability due to growing filing volume is seamless
• Provides strong print-and-mail operations and logistics, including same-day USPS mailing options.

Cons:

• Some features are only available on a high-tiered plan.
• Developer tools are lighter than API-first platforms.
• Offers limited granular approvals or user permissions without moving into the Premier tier or custom arrangements.

6. 1099 Pro

1099 Pro is a marketplace 1099-K reporting too that was designed for high-volume setups that need governance or outsourcing flexibility to handle bulk e-filing for you. It is backed by Sovos Compliance, LLC, and is trusted by over 10,000 companies globally.

Top Features

• Choose cloud or desktop versions, with Service Bureau outsourcing options for handling large peak volumes.
• Offers bulk uploads via IRS 1220, CSV file or using one of their built-in templates to streamline filing.
• Granular user permissions, SSO/SAML support, and approval routing.
• Provides real-time TIN matching to validate recipient data upfront and avoid costly corrections, B-Notices, and IRS penalties.
• Offers full-service print-and-mail along with Sovos eDelivery for secure online access, with real-time updates.
• It provides retention and audit policies for regulated teams.
• Handles state reporting via the CF/SF Program for applicable forms.
• Offers comprehensive customer support for both Cloud or Desktop versions.

Pricing:

• 1099 Pro offers cloud subscription plans. It starts at $449/year for e-file only, $684/year for e-file, print and mail, and $714/year for e-file, print and mail along with e-delivery. Custom pricing is available for enterprise plans.
• A desktop software option is also available, starting at $389 as a one-time purchase.
• They offer a 7-day free trial of the Cloud platform to test-drive features and run validations.

Pros

• Offers enterprise-grade controls (SSO, granular permissions, auditing) necessary for compliance in highly regulated environments.
• The outsourcing option helps companies handle large volume filings.

Cons

• Costs tend to be higher than pay-as-you-go or lightweight cloud solutions, making it expensive for smaller filers.
• Due to its advanced features and controls, expect a longer setup and ongoing administration requirement.
• Desktop workflows can slow down collaboration for distributed teams.

How to Pick the Right 1099-K Software?

How do you pick software that won’t stress you out when that inevitable 1099-K deadline rolls around? Choosing the right solution for your payment card transaction reporting is to find the perfect fit for your specific business needs. Here are the crucial areas you must evaluate them on:

Filing Volume and Entity Mix

• If you operate with a single EIN and have a light volume of forms, you should prioritize platforms that offer ease of use and simple pay-as-you-go pricing.
• If you manage multiple EINs or operate at a marketplace scale, look for platforms that integrate robust APIs, use SFTP connections, and handle bulk corrections with ease

Data Intake and Validations

• Can you easily import data? Look for CSV/Excel mapping. Does it have comprehensive checks? Your software should act like a strict bouncer at the club by providing TIN/name checks, address validation, and duplicate detection.
• Catching errors early drastically reduces IRS rejects, reissues, and B-Notices.

Corrections and Amendments

• Good software makes corrections simple. Make sure the platform confirms simple paths for replacements and voids.
• Can you clearly track the status of your corrections from submission all the way to IRS acceptance? This is important to stay compliant.

Recipient Experience

• Look for platforms that support multiple delivery methods, such as secure online portals, downloadable PDFs, and reliable, optional print-and-mail services
• The platform should track delivery and access logs for audit purposes.

Security and Controls

• Keep your data safe. Look for platforms with features like role-based permissions and MFA/SSO.
• The system must maintain detailed audit trails and secure archives for record retention.
• If you manage multiple clients or entities, a multi-EIN dashboard simplifies your shared-services model.

Integrations and Automation

• Look for integrations with popular accounting/ERP platforms (like QuickBooks, Xero, or NetSuite).
• For advanced automation, look for platforms that offer REST API, SFTP, and webhook to reduce manual interaction through the entire process.

Support and Total Cost

• Compare the pricing structure based on your budget: per-form versus subscription models.
• Compare the availability of responsive chat or phone support. Also, check the quality of their onboarding resources and help with documentation.

FAQs

1. I’m looking for IRIS e-filing and status tracking. Does the software support both?

Make sure it has direct IRIS transmission with clear status updates like “received”, “accepted”, or “rejected”, and error flagging.

2. How good is the software with data checks, and is it built in?

Schema checks, TIN/name matching, USPS address verification, and duplicate detection are all you need to minimize rejections.

3. How does it handle corrections and amendments?

Mistakes are common! Step-by-step flows for voids and replacements, version history, and automated re-delivery of updated recipient copies do the job.

4. How about juggling multiple EINs with proper controls?

Yes. Multi-EIN dashboards, role-based permissions, MFA/SSO, and audit trails keep shared services organized and secure.

5. In times of high-volume data, what happens?

You’ll get CSV/Excel templates for quick starts, secure SFTP for scheduled drops, and REST API/webhooks for non-stop syncing.

Conclusion

When choosing the right 1099-K software, you must consider these factors: filing volume, entity structure, and how much automation you want.

Tax1099 works for payers wanting enterprise controls without the complexity. It combines robust validations, flexible imports (CSV, SFTP, API), and efficient recipient delivery. Meanwhile, Online1099 provides a fast, simple path for common 1099-K filings.

And what about other competitors? They cater to specific niches: Track1099 for deep integrations, TaxBandits for multi-entity workflows, Yearli for mature mailing, and 1099 Pro for enterprise governance or outsourcing.

How can you file your 1099-Ks like a pro?

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