irs.gov/opa

irs.gov/opa is the IRS’s official Online Payment Agreement tool, designed to help taxpayers who owe money to the IRS manage their payments. It provides options for individuals and businesses to apply for a payment plan (also called an installment agreement), enabling them to pay off tax debts in manageable amounts over time instead of paying everything upfront. This service is especially helpful for those facing financial constraints.

What is the Online Payment Agreement (OPA)?

The OPA is a web-based application provided by the IRS that enables taxpayers to apply for a payment plan online. This system is designed to help those who owe taxes but cannot pay the full amount immediately. By setting up a payment plan, you can spread your payments over a period, making it easier to manage your finances.

Eligibility Criteria

To qualify for an online payment plan through the OPA, you must meet certain criteria:

• Individual Taxpayers: You owe $50,000 or less in combined tax, penalties, and interest, and have filed all required tax returns.

• Businesses: You owe $25,000 or less in combined tax, penalties, and interest, and have filed all required tax returns.

How to Apply for a Payment Plan at irs.gov/opa?

• Visit the IRS OPA Page: Go to the IRS Online Payment Agreement page "irs.gov/opa".

• Log In or Create an Account: You will need to log in using your IRS username or create an account with ID.me, which requires photo identification.

• Provide Necessary Information: You will need details such as your bank routing and account numbers if you are setting up a direct debit payment plan.

• Select a Payment Option: Choose the type of payment plan that best suits your needs (short-term or long-term). If opting for a long-term plan, decide whether you want to set up a direct debit agreement (automatic monthly withdrawals) or pay manually.

• Submit Your Application: Once you complete the application, you will receive immediate notification of whether your payment plan has been approved.