Deliver tax forms with an interface built by Stripe

Stripe has three user interfaces we can provide for your connected accounts, depending on your integration.

There are a few notable exceptions that might affect eligibility for e-delivery. For most platforms, these exceptions include less than 2% of connected accounts. For the accounts that aren’t eligible for e-delivery, Stripe can support postal deliveries to the address on file.

Use Stripe to collect identity information and e-delivery consent ahead of tax season

We recommend the collection of tax identity information and e-delivery consent early in the tax season. If your platform opts for e-delivery through the interface built by Stripe, and enables collection of tax information in advance using 1099 tax form settings, Stripe emails your connected accounts starting the week of November 3, 2025 to confirm their tax information and provides e-delivery consent through that interface. We don’t send outreach emails to your connected accounts until 7 days after you enable the setting.

This outreach from Stripe gives connected account owners an opportunity to review and update their tax information and confirm their delivery preferences before you file with the IRS, which maximizes e-delivery opt-in rates, speeds up tax form delivery, and minimizes errors on finalized 1099 forms.

If you don’t enable collection of tax information in advance and only configure e-delivery, postal delivery initiates at the time you file for any accounts that have not provided e-delivery consent. If accounts provide consent after you file, that consent is applicable only for the next tax year.

• Stripe Express Dashboard: Connected account owners that don’t have access but are eligible can view the Stripe Express Dashboard and the tax forms page starting in November 2025 after receiving the email invitation from Stripe. You trigger this if you turn on e-delivery of your tax forms through the Express Dashboard and enable early collection of tax information and delivery preferences under your 1099 tax settings.

  Connected account users with existing access to the Express Dashboard can edit their tax information. When you opt your platform in to e-delivery, your connected owners see the tax forms page with a row for your platform.

  Connected account owners that are eligible for access to the Express Dashboard receive an invite from Stripe to confirm their tax information starting in November 2025. These emails include a link to Stripe Express Dashboard account claims. For connected account owners who’ve never claimed their account and accessed the Stripe Express Dashboard, we first gather their email and phone number to set up their credentials. After that, we present them with a series of identity verification questions (name, TIN, and DOB) to validate they own the account. If they fail these challenges, we provide follow-up questions such as address, bank last 4, and last payout amount from the platform to verify their identity. If they fail these questions after multiple attempts, we start a manual review through Stripe Express support.

• Connect Embedded Components: You can decide when you want to implement the Account Management component to allow your users to edit their account information. Before pre-filing confirmation begins on November 3, your connected accounts see the Tax form details section with the option to update their delivery method when you opt your platform in to e-delivery.

Emails of connected accounts

For connected accounts that have access to the Express dashboard from onboarding: Stripe already has emails associated with these users that are collected at onboarding. For these accounts, Stripe emails the primary user associated with the account. Multi-user Express Dashboard accounts aren’t supported.

If an eligible connected account without access claimed their account on Stripe Express with a valid email address and phone number, the email address they used to sign up is what Stripe uses. Otherwise, Stripe uses the email address on the account.

Stripe can’t deliver forms electronically if there is no email address on the account. Instead, Stripe attempts to deliver paper forms if a valid address is on the tax form and you opted in to paper delivery.

We need updated emails as part of pre-filing confirmation and e-delivery outreach.

If you are using e-delivery with the Stripe Express dashboard:

• In order for a connected account to onboard, log in, or access their tax forms, they need to be able to receive the email from Stripe inviting them to create their account.
• If a user has updated their email, they must contact your platform for assistance updating their connected account email because Stripe can only resend these emails to the address on file.
• You only need to update emails on behalf of the connected account before they’ve claimed their accounts. After they claim the account, then Stripe is able to assist your users with updating their emails.

Update the email addresses

You can update the email addresses on your connected accounts in the following ways. These updates carry year over year:

• Update individual account email addresses by updating the Accounts.
• Upload a list of addresses in CSV format through your platform’s Dashboard.
• Edit the email addresses in the Payee Details section in the 1099 dashboard.

You can’t update email addresses using the email_address field in a CSV import directly into the 1099 product. Changes made using this method don’t carry over each year.

Data managed by connected accounts

• Stripe Express Dashboard: As your connected accounts onboard to the Stripe Express Dashboard, account owners can edit their account details within the Tax reporting page. they can edit their name, TIN, and address, but they can’t change their date of birth or their entity type. For date of birth and entity updates, account owners need to contact Stripe Support.

  The Stripe Express Dashboard also includes the Earnings page, which displays connected accounts’ upcoming payouts and earnings history through the activity feed. The activity feed shows transactions from your platform that affect connected accounts’ balances, such as payments, refunds, transfers, and payouts.

  In the Account settings, connected account owners can update account details including legal entity information and personal information such as name, address, and taxpayer identification numbers, and view and update their bank account information for payouts.

• Connect Embedded Components: If you’re using embedded components, your connected accounts can edit their account details in the Account Management component.

  The Account Management component also includes the ability to view and edit account information such as personal or business information, public information, and payout bank accounts.

  The Documents component includes documents such as 1099 tax forms and tax invoices.

Synchronize tax forms between you and your connected accounts

The Tax reporting view in the platform dashboard is still the main place to generate, correct, split, and file 1099s for your connected accounts. Edits made by connected account owners (Name, Social Security Number or Employer Identification Number, address) update your connected accounts and thus the forms in the Tax reporting view in the Dashboard (unless Tax form information was overriden) until they’re filed. For any updates made by a connected account after the filing date, you are given the choice to either correct the tax form or leave the tax form as is. Updates might take up to 24 hours to sync due to TIN aggregation done by Stripe. Note, we stop syncing connected account information with the Tax reporting dashboard for the tax year on February 13.

You can correct only tax forms that the IRS has accepted. To start a correction, update the data in the tax forms. You can use either the Tax form editor or CSV export to update the tax form. After you update the form, select the updated form on the Tax reporting page, then click Correct to create a correction. It can take from 48 to 72 hours after the platform files the correction for the payee notification.

Stripe doesn’t share the updated sensitive PII (such as SSN or EIN) from accounts with your platform through the API for security reasons.

Alert connected accounts when their 1099 forms are available

Stripe sends an email notification to your connected accounts when their 1099 forms are available. This email includes both Stripe’s logo and your platform’s logo. The platform logo is taken from your Connect branding settings, so please make sure this is up to date before the week of November 3, 2025.

For connected accounts where you own the full experience otherwise, make sure that you also update email addresses on the accounts before the week of November 3, 2025 so Stripe can email them the following week. You can update this information using the Accounts API. Express connected accounts already have a user associated with them, and Stripe emails tax forms to the primary user associated with the account.

Prepare your connected accounts for e-delivery and the upcoming tax season

Create a support article with information for your connected account owners to let them know that their 1099s will be delivered by Stripe and that they should expect to receive an email from Stripe in January. See an example.

Communicate with all eligible connected account owners to let them know they should expect to receive an email from Stripe. This helps with maximizing opt-in to e-delivery and minimizing concerns about phishing.

Sample language for communicating with your connected accounts

Subject: Our tax partner Stripe will be sending you an important email. Body: “In the next few days, you will receive an email from Stripe with a link to download your 1099 tax form. <Platform_Name> partners with Stripe to facilitate payments and tax reporting, including 1099 forms. We recommend adding <Email> to your address book so the email isn’t marked as spam. When you receive the email, please click into it and follow the instructions to confirm your tax details.”

The email communications are sent from can be found in your communication settings, where you can also customize the domain.

Find tax forms from previous years

In the Express dashboard, choose the year in the drop-down to look for past years’ forms. In the embedded component, it is in the list of documents.

Forms for 2019 or earlier aren’t available through your Dashboard. These forms might be filed through a different system called Payable. If you used Stripe during that period of time, please reach out to support to get the tax forms you need.

Troubleshooting for connected accounts

The following are common requirements and troubleshooting for your connected accounts:

TIN validation

Connected account owners who have consented to e-delivery must pass a TIN validation to download their tax forms as an added layer of security. The key here is that they must enter the last four digits of the TIN exactly as it appears on their 1099 tax form. For Prior Years tax forms, we present a similar TIN challenge to enter the last four digits for the TIN as it appears on that particular form. If your platform didn’t use Stripe in the past to file 1099s, then those forms aren’t available in an interface built by Stripe.

Your connected accounts might run into issues downloading their 1099 tax forms if they’ve updated the TIN on their connected account, if your platform has overwritten the TIN on the 1099 tax form, if they’ve forgotten the TIN that appears on the tax form, or if they recently received a new TIN from the IRS and it isn’t in their system yet.

In these instances, connected accounts contact your platform so that you can work with them to confirm what TIN appears on the 1099 tax form or assist them with getting a corrected version of their 1099 tax form. You can also download the connected account’s tax form from the Tax reporting dashboard and email it to them directly. Only team members with the Tax Analyst role can access this information.

TIN is verified against the IRS database if:

• You have applied the 1099-K, 1099-MISC, or any other capabilities that require a verified TIN, and
• The connected account meets the threshold for the applied capability.

Connected accounts that enter an incorrect name-TIN combination might see their payouts paused until they update their name and TIN with verified information.

Blocked, restricted, or restricted soon payouts

Your connected account might get blocked after they update their information for a few different reasons:

• If you have applied a capability such as a 1099 capability, and they update their name or TIN to a value that doesn’t match against the IRS database then they must update their information with a valid name and TIN combination.
• If your connected account was verified previously and changes their name or TIN, they’re prompted to re-sign a Terms of Service agreement. Failure to do so might result in payouts being blocked until your account re-signs their Terms of Service agreement.
• If your connected account updates their details with values that can’t be verified against standard government databases, they might be asked to upload proof of identity that helps Stripe identify them. Failure to do so results in payouts being blocked. Your accounts can go into an interface built by Stripe and submit proof of identity.

Consolidate a single view of tax earnings

If you decide to deliver to the Express Dashboard (as they get paid from different platforms), Stripe Express users can add each platform to the same Stripe Express accounts to create a single view of their earnings and tax forms.

Stripe support

If you deliver to the Express Dashboard, direct users to https://support.stripe.com/express. From here they can contact Stripe which ensures we route their questions to a specialized support group best able to help them.

Paper copy delivery

If the platform has paper delivery enabled, Stripe presents the connected account owner with the option to request this method of delivery. If they select this option, then Stripe mails the paper copy of their tax form to the address the platform has on file. The option to also request a paper copy is only available in the Stripe Express Dashboard.

Update tax details

For businesses set up as US Companies, Stripe’s 1099 product uses the business tax details except when they’re set up as a single member LLC or sole proprietorship, in which case it uses the owner’s personal tax details because those account types are disregarded entities for income tax purposes according to the IRS. For Individuals, Stripe uses personal tax details. For more information, refer to Updating 1099 tax form details for connected accounts.

If a connected account requests to use their business tax details on their 1099 tax form, and you want to support that, you can make the changes by collecting the business tax details from the user, and updating the 1099 tax forms using CSV import or the Tax Form Editor once tax form totals are finalized in January.

Resend invitation emails to connected accounts

The connected account owner can request a new invitation link that’s sent to their email. Direct them to this support page to resend their own invitation email. Ineligible users (connected accounts that didn’t meet the 2025 threshold of $600 for NEC/MISC or $20,000 and 200 transactions for K) don’t receive an email from Stripe.

Check whether a connected account received a pre-filing confirmation email

To check whether your connected account has received an email invite, go to the 1099 Dashboard page. If the pre-filing confirmation status is Sent, Stripe attempted outreach to your user. If the status is Queued or Not eligible, like the example below, Stripe hasn’t sent an invite yet.

To send your user the pre-filling confirmation email, first confirm that their email address in Stripe is correct. Then, follow these steps:

If Stripe hasn’t sent the pre-filing confirmation email, confirm that your user’s email in Stripe matches the email where they expect to receive the tax form.

To update your user’s email address, follow the steps below. Learn more about other ways to update emails for your accounts.

Failed verification

Connected accounts must claim their Stripe Express accounts to view the Tax Forms page in the Stripe Express Dashboard. To authorize the claim, Stripe asks the user a series of questions to verify their identity. For security reasons, if the user fails to correctly answer the verification questions too many times, Stripe locks their account. You can see the status in the 1099 dashboard. A status of “Not claimed, no attempts left” means the connected account is locked. A “Claimed” status means the connected account claimed their Stripe account.

You can reset your user’s claim attempts in the 1099 Dashboard. Before removing them from manual review, we recommend reviewing and updating account claim information (such as representative name, address, SSN, EIN, and DOB) with your connected account. Otherwise, the account might continue to fail to claim their Express account.

If there’s a mismatch between the information you have on file and what your user expects, you can update their connected account directly. You can’t make updates in the 1099 Dashboard and you must have the correct user role.