IRS Card Payment Final Rule T.D. 10060 (Effective October 19, 2026): Credit and Debit Card Tax Payment Fees and What Individuals and Small Businesses Should Know Before Year-End
Final regulations T.D. 10060, published and effective October 19, 2026, let the IRS accept credit and debit card tax payments directly and recoup its processing costs through a non-refundable reimbursement fee. Nothing changes today—Pay1040 (1.75% credit) and ACI Payments (1.85%) are still listed—but compare card, Direct Pay and EFTPS costs before the January 15, 2027 estimated tax deadline.
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