MerchantFinancial Advisory
1099 season 2027

1099 filing, done for you.

Paid contractors $2,000 or more in 2026? We collect W-9s, prepare and e-file your Forms 1099-NEC and 1099-MISC, and send contractor copies by February 1, 2027. Early-bird: $20 per form when you prepay by December 15, 2026.

Start here

Tell us who you paid. We'll tell you what to file.

Not sure which contractors need a 1099, or how many forms that is? Send a few details. We reply within one business day with what you need to file and a fixed price. Nothing is charged on this form.

Card and app payments usually don't need a 1099 from you.
Please don't include Social Security or tax ID numbers here. We collect W-9s securely later.

Prefer to check first? Use our 1099 checker, or call (347) 205-4468.

Pricing

One price, paid up front.

Pay online in two minutes. We reply within one business day to schedule or ask for documents. If we can't take on the work after reviewing your details, you get a full refund.

Prepay by December 15

1099-NEC/MISC preparation and e-filing, early-bird

$20per form · 3-form minimum ($60)

Lock in the early-bird price now; we collect W-9s and file in January.

  • W-9 requests sent to your contractors
  • Forms 1099-NEC or 1099-MISC prepared and e-filed with the IRS
  • Contractor copies sent by February 1, 2027
  • We tell you if your state needs its own copy
After the early-bird

1099-NEC/MISC preparation and e-filing

$25per form · 3-form minimum ($75)

Same service at the standard price for orders after the early-bird ends.

  • W-9 collection
  • IRS e-filing
  • Contractor copies
  • Filing confirmation for your records
What you get

From W-9 to filed, without the January scramble.

Your work is done by Zain Merchant and his team of tax and accounting experts. Zain: Big Four (ex-PwC) · PTIN/EFIN tax preparer, over 10 years of accounting, audit and tax experience.

Common questions

Questions, answered

Generally, a business sends a Form 1099-NEC to each non-employee (a contractor or freelancer, not a corporation in most cases) it paid $2,000 or more for services in 2026. The threshold was $600 for payments made before 2026. Use our 1099 checker to test each payment.

For 2026 payments, Forms 1099-NEC go to contractors and to the IRS by February 1, 2027.

Usually not. Payments made by credit card or through a payment app are generally reported by the payment company, not by you. Our checker walks through this.

Everything in the standard service at $20 per form instead of $25, with a 3-form minimum, when you prepay by December 15, 2026. Add forms later at the same price.

We refund any prepaid form we don't file, above the 3-form minimum.

More fixed-price services

Other things we can take off your plate.

Sources

Checked against official sources.

Talk to MFA

Not sure this is the right fit?

Book a 30-minute call or phone (347) 205-4468. We'll tell you what we'd do and what it costs before any work starts.

Book a 30-minute call

General information, not tax or legal advice. Prices are per service as described; anything outside the scope is quoted before we start. State returns are not available for Connecticut, Maryland and Oregon. Reading this page doesn't create a client relationship.

From the MFA shop

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The 1099 Kit (2026 payments, filed in 2027)

Decide who needs a 1099, collect W-9s and file on time. Updated for the new $2,000 threshold, with a contractor tracker.

Excel / Google Sheets

1099 Contractor Payment Tracker

Log every contractor and vendor payment in 2026, see who needs a Form 1099-NEC or 1099-MISC at the $2,000 threshold, and work a year-end filing checklist with the 2027 deadlines.

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Secure checkout

Your details

Card payment by Stripe. If we review your details and can't take on the work, we refund you in full. We reply within one business day to schedule or ask for documents.