Form 1099-K1099-K
A payment platform — card processor, marketplace — reports the payments it settled to you.
Edition 12/2026
Version last read from the agency on September 28, 2026
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About Form 1099-K
Who fills it in
A payment settlement entity files Form 1099-K for the payments it settled for a payee during the calendar year. That is a merchant acquiring entity (a bank or other organization that pays merchants for payment card transactions) or a third party settlement organization (the central organization for third party network transactions).
Where it goes
The filer files it with the IRS and furnishes the payee statement. Copies 1, B and 2 can be completed online as a fillable PDF from the IRS.
Watch out for
- A third party settlement organization reports payments for a payee only when, in the calendar year, they exceed $20,000 and the number of transactions exceeds 200.
- If two settlement entities handle the same transaction, the one that sends the instruction to transfer the funds files the form, unless they agree in writing that the other will.
Read from the agency’s pages on October 8, 2026: IRS — About Form 1099-K · IRS — Instructions for Form 1099-K
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