How do I change my payment method with the IRS?

Asked by: Ara Langworth  |  Last update: January 24, 2026
Score: 4.4/5 (43 votes)

If changes are needed, the only option is to cancel the payment and choose another payment method. Call IRS e-file Payment Services 24/7 at 888-353-4537 to inquire about or cancel your payment, but please wait 7 to 10 days after your return was accepted before calling.

How do I change my payment plan with the IRS?

You can make any desired changes by first logging into the Online Payment Agreement tool. On the first page, you can revise your current plan type, payment date, and amount. Then submit your changes. If your new monthly payment amount does not meet the requirements, you will be prompted to revise the payment amount.

Can I change my bank account with IRS?

If the IRS has accepted your return already, you won't be able to change your bank and routing number for your tax refund. You can only request that the IRS issue you a check – and that's only if the return has not yet been processed.

How do I change my IRS scheduled payment?

Provided you wrote down your confirmation number, or requested it be emailed to you, you can use that number to look up, modify or cancel a scheduled payment before it happens. Select the option “Look Up a Payment” on the main Direct Pay page to enter your confirmation number and make changes.

How do I make an additional payment to the IRS?

You can also make your estimated tax payments through your online account, where you can see your payment history and other tax records. Go to IRS.gov/account. Visit IRS.gov/payments to view all the options. For additional information, refer to Publication 505, Tax Withholding and Estimated Tax.

How to apply for a payment plan online with the IRS

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Can I change my payment method with the IRS?

If changes are needed, the only option is to cancel the payment and choose another payment method. Call IRS e-file Payment Services 24/7 at 888-353-4537 to inquire about or cancel your payment, but please wait 7 to 10 days after your return was accepted before calling.

How do I add a second payment plan to the IRS?

Form 9465 Installment Agreement Request: If you cannot use the OPA system, you can complete Form 9465 and mail it to the IRS. This form allows you to propose your own terms for a new installment agreement. IRS Customer Service: You can also call the IRS customer service line for help with modifying your payment plan.

How do I speak to a live person at IRS?

Use Where's My Refund, call us at 800-829-1954 (toll-free) and use the automated system, or speak with a representative by calling 800-829-1040 (see telephone assistance for hours of operation).

What is the minimum payment the IRS will accept?

The IRS minimum monthly payment is typically your total tax debt divided by 72 unless you specify a different amount. Short-term and long-term payment plans are available, depending on your debt amount and eligibility. Setting up a direct debit payment plan online is the most cost-effective option.

How do I correct an IRS payment made to the wrong year?

Many payment issues can be resolved with a phone call from the taxpayer to the IRS on the general phone line (800-829-1040 for Individuals and 800-829-4933 for Businesses). Another option is for the taxpayer to call the IRS at the number noted on any correspondence received, noting the specific balance due.

How do I change my bank account?

You can do this by visiting a branch, calling customer service or sending an official communication through the bank's online banking platform.

What happens if you give the IRS the wrong account number for direct deposit?

In this case, the IRS will send you a paper check for the entire refund instead of a direct deposit. You incorrectly enter an account or routing number and the number passes the validation check, but your designated financial institution rejects and returns the deposit to the IRS.

Can I submit form 8822 online?

Print and mail the form.

It's essential to keep a copy of the filled form for your records. As of now, Form 8822 cannot be filed electronically.

How do I contact the IRS about my payment plan?

Payment plans

If you can't pay the full amount you owe, pay as much as you can now and make arrangements to pay your remaining balance. Visit www.irs.gov/paymentplan for more information on installment agreements and online payment agreements. You can also call us at 1- 800-829-0922 to discuss your options.

How much will the IRS usually settle for?

How much will the IRS settle for? The IRS will often settle for what it deems you can feasibly pay. To determine this, the agency will take into account your assets (home, car, etc.), your income, your monthly expenses (rent, utilities, child care, etc.), your savings, and more.

What happens if I miss an IRS payment plan payment?

What happens if I have a missed IRS payment? The IRS will put your payment plan into default and send you a notice telling you how to avoid termination. As long as you pay the past due amount by the deadline, you will be able to continue making payments.

Can I change my direct deposit information with the IRS online?

Can I Change My Bank Account With IRS Online? Once the IRS has accepted your e-filed tax return, there is no way to change your bank account information.

How long do you have to pay the IRS if you owe taxes?

The IRS will provide taxpayers up to 180 days to pay their full tax balance. Fees or cost: There's no fee to request the extension. There is a penalty of 0.5% per month on the unpaid balance.

Does an IRS payment plan affect your credit?

Taking the step of setting up a payment arrangement with the IRS does not trigger any reports to the credit bureaus. As mentioned above, the IRS is restricted from sharing your personally identifiable information. While a Notice of Federal Tax Lien could be discoverable by lenders, the payment plan itself would not.

What is the fastest way to talk to the IRS?

You can call 1-800-829-1040 to get answers to your federal tax questions 24 hours a day. Tax forms and instructions for current and prior years are available by calling 1-800-829-3676. You can also order free publications on a wide variety of tax topics.

Can I chat online with the IRS?

The IRS Automated Chatbot technology helps people quickly answer basic questions about different tax topics.

Can I pay my IRS taxes over the phone?

Another option for both businesses and individuals is the Electronic Federal Tax Payment System. You must enroll to use this system. You can pay online or by phone at 1-800-555-3453. With EFTPS, you can opt in to receive email notifications about your electronic payments.

Can I change my IRS payment plan online?

You can use the online payment agreement tool to make the following changes: Change your monthly payment amount. Change your monthly payment due date. Convert an existing agreement to a Direct Debit agreement.

What number do I call to talk to someone at the IRS?

Answer: Contact an IRS customer service representative to correct any agency errors by calling 800-829-1040 (see telephone assistance for hours of operation). Unfortunately, this may result in you receiving a paper check.

What happens if you owe the IRS money and don't pay?

If you don't pay the amount shown as tax you owe on your return, we calculate the failure to pay penalty in this way: The failure to pay penalty is 0.5% of the unpaid taxes for each month or part of a month the tax remains unpaid. The penalty won't exceed 25% of your unpaid taxes.