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Filing 1099s in 2026 comes with a few changes worth knowing. The reporting threshold for nonemployee compensation has risen from $600 to $2,000, and the IRS is retiring its long-standing FIRE system in favor of IRIS starting with tax year 2026 returns. None of this needs to complicate your filing season with the right software behind you. We compared five well-regarded 1099 platforms, starting with our own, on what matters most to small businesses: pricing, ease of use, TIN matching, and support.
Comparison at a Glance
A quick note before you dive in: pricing above reflects the lowest-volume tier for each platform as of 2026, and it typically drops further as your form count increases. We’ll break down full tiered pricing for each option below.
1. TaxBandits
TaxBandits is an IRS-authorized e-filing solution built to make small business filing simple, supporting the full range of information returns across 1099s, W-2s, 94x payroll forms, ACA forms, and extensions, all from one account. Whether you’re filing your first 1099 or your fiftieth, the platform guides you through the process step by step. It is also SOC 2, HIPAA, and PCI DSS certified, so your data is handled with strong security standards.
Key features:
- A W-9 Manager that lets you request, collect, and store contractor W-9s through email, a shareable link, or a QR code, with AI-assisted data extraction to reduce manual entry
- BanditAI, a built-in assistant that guides you through the filing process step by step
- Built-in error checks, USPS address validation, and TIN matching before you submit
- Form copy distribution through a secure online portal or postal mail
- Integrations with QuickBooks, Xero, FreshBooks, Zoho Books, and Sage Intacct
What sets it apart: The Bandit Commitment includes free corrections and retransmissions if the IRS rejects a form, along with a money-back guarantee for rejected or duplicate filings. For a small business filing its first 1099s, that built-in safety net can make the process feel much less stressful.
Pricing: Starts at $2.75/form for 1 to 10 forms, scaling down to $0.80/form at higher volumes.
Good fit for: Small businesses that want a guided experience with support and peace of mind built in from the start.
2. Tax1099
Tax1099, powered by Zenwork, is used by more than a million businesses and handles everything from a handful of contractor payments to high-volume, multi-client filing. The platform is designed to grow with a business, offering a straightforward filing flow for smaller filers and the depth of tools accounting teams look for as their filing needs expand.
Key features:
- A 24/7 AI Copilot that reviews your filing and flags potential issues before submission
- More than 11 no-code integrations, including QuickBooks, Xero, BILL, Sage Intacct, and NetSuite
- The ability to schedule e-filing in advance and update details later at no extra cost
- TIN matching, along with TIN masking for added data security
- Multi-user access with role-based permissions for teams working together
Pricing: Starts at $2.99/form for 1 to 20 forms, scaling down to $0.68/form at higher volumes, with subscription plans also available starting at $249 per year.
Good fit for: Small businesses that expect to scale quickly or want a platform with deep integrations across accounting tools.
3. Avalara 1099 & W-9
Formerly known as Track1099, Avalara 1099 & W-9 is part of the broader Avalara compliance platform and specializes in 1099 e-filing. It covers 1099-MISC and other form types, W-series form collection, and automated state filing, with form copy delivery and TIN matching for businesses wanting a more automated filing workflow.
Key features:
- W-9 information automatically transfers into your 1099s when it is time to file, cutting down on repeat data entry
- Free TIN rechecks if a previous match attempt fails
- Participation in the Combined Federal/State Filing program, with free state file downloads
- Electronic delivery to recipients by default, with postal mail available as an add-on
- A full API and native connections to QuickBooks, Xero, BILL, and NetSuite
Pricing: Starts at $3.10/form for 1 to 15 forms, scaling down to $0.63/form at higher volumes.
Good fit for: Small businesses already using QuickBooks, Xero, or NetSuite that want vendor and payment data to flow into their 1099 filing automatically.
4. eFile4Biz
eFile4Biz has spent its history focused entirely on information returns like 1099s, W-2s, and ACA forms, rather than offering filing as one feature among many. It is built for business owners who want a simple, guided process from start to finish.
Key features:
- A full-service option where you enter the data and eFile4Biz handles processing, printing, mailing, and filing for you
- On-screen forms designed to closely mirror the actual IRS forms, which can make the process feel familiar
- Access to filed forms for at least four years, with returning users’ prior-year data ready to update each season
- A Service Bureau option for businesses filing 300 or more forms
Pricing: Listed as low as $1.50/form for the all-inclusive e-file, print, and mail service, with exact tiers depending on form volume and type.
Good fit for: Small business owners who would rather hand off the entire year-end filing process, as well as tax professionals and enterprises that want a Service Bureau option for higher-volume, full-service filing.
5. 1099Online
1099Online is an IRS-authorized e-filing platform that supports 1099-MISC alongside multiple other information returns through a fast, guided filing process. It was built for small business owners, with an average completion time of under 8 minutes per filing.
Key features:
- Real-time TIN matching against IRS records
- Combined Federal/State Filing, which automatically forwards forms to participating states
- Single sign-on for businesses managing multiple payer accounts under one login
- Free re-filing of rejected forms, along with a free 30-day extension request
- Delivery options including print and mail, email, or PDF download
Pricing: Starts at $3.49/form for 1 to 10 forms, scaling down to $0.69/form at higher volumes.
Good fit for: Small businesses that want a fast, no-frills, budget-friendly way to file a handful of forms each year.
Frequently Asked Questions
Do small businesses have to e-file 1099s in 2026?
If you are filing 10 or more information returns in total, combining 1099s, W-2s, and other covered forms, the IRS requires you to file electronically.
What is the 1099-NEC filing threshold for 2026?
The threshold for reporting nonemployee compensation has increased from $600 to $2,000 for the 2026 tax year, as part of the One Big Beautiful Bill Act.
What is IRIS, and do I need to worry about it this year?
IRIS is the IRS’s new system for filing information returns electronically, replacing the FIRE system. Starting with tax year 2026 returns, filed in early 2027, IRIS will be the only system accepted. Most software platforms handle this transition for you behind the scenes.
Final Thoughts
No single 1099 software is best for every small business. The right choice depends on how many forms you file, whether you want a guided experience or full automation, and what other tools you already use to run your business. If you are looking for a platform that combines simple, guided filing with built-in support and a money-back guarantee, TaxBandits is a great place to start.
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