But right before Christmas, the Internal Revenue Service announced it would delay the rule until next year. See the separate Instructions for Form 1099-K.". Previously, a 1099-K is only required when a user receives more than $20,000 USD in goods and services transactions and more than 200 goods and services transactions in a calendar year. If this applies to you, fill out a Schedule E and attach it to your tax return. This site uses Akismet to reduce spam. We have a private Facebook group for check-ins, questions, and accountability! Ebay considers itself merely to be a facilitator, meaning that they provide a marketplace in which buyers and sellers come together to do business. The effective date for these new changes is January 1, 2022. $600 USD or more in gross sales from goods or services in the calendar year. (Note: You cant have a personal, Any 1099-Ks you get from other payment apps, credit cards, debit cards, or gift cards, Website costs, such as hosting, web design, or logo designs. If you pay an independent contractor more than $600 in the year and their business entity is not an S corp or a C corp, then you must file Form 1099-NEC. So generally, when you're self-employed, businesses will typically issue a 1099-NEC when you receive a certain amount of money . And a good thing. This change impacts every financial institution and TPSO that you might use to transact for goods and services, not just PayPal and Venmo. You can also view and download your Form 1099-K onlineby January 31st annually. That sometimes leads us to generalize in our educational content. This includes your bank accounts, and other ways you send and receive money. I appreciate your time! Merchants, please go to your Tax Statement Page. Tap the PayPal.Me link you were given or enter it into your browser. FAQ: The agency doesn't care how much you split checks on payment apps. How? Even if you made more than $600 last year, any tax information or paperwork you require should be provided by PayPal directly. Please refer to our Terms and Conditions for details. Accountants who earn this certification have passed a comprehensive three-part exam on individual and business tax returns. He is the author of The Self-Directed IRA Handbook. Is this correct? This content has been reviewed by an Enrolled Agent (EA) with the IRS the highest credential awarded by the agency. Knowledge is power. (The exception to this rule is if you paid via credit card or a third party payment platform, like Paypal. Read our privacy policy for more information. Just reach out to your clients and make sure theyre aware that they don't need to send you a 1099-NEC if they paid you through PayPal. Under the American Rescue Plan Act, people who sell goods or services on platforms like Etsy, eBay and other sites that use third-party transaction networks - like PayPal, Cash App and Venmo - will be issued a tax form called a 1099-K for online sales totaling $600 or more starting next year. The IRS was supposed to bring the threshold down to $600 this year, but it decided to delay things.). Due to changes in IRS regulations, we do not send 1099-MISC forms since payments are made via PayPal. We'll be in your inbox every morning Monday-Saturday with all the days top business news, inspiring stories, best advice and exclusive reporting from Entrepreneur. "So we're trying to be proactive in addressing it. The examples are endless and happen in some of the most common self-employed situations. Some locations have lower limits and retailer fees may vary ($4.95 max). Save $10 USD when you spend $50 USD on TurboTax and pay with PayPal. But the American Rescue Plan Act of 2021 dropped the threshold to just $600. And your taxes will be higher as a result. Some of the most common write-offs for freelancers or merchants include: Consider using Keeper to make the most of money-saving write-offs!. Important: To ensure your form arrives on time and with all the correct information, double-check that your account has the right: If you dont receive your form by January 31st, contact PayPals customer support. Make sure you reach out early in the new year: most forms go out at the end of January or beginning of February. In such a situation, the consultant should report the actual revenue they earned, and have the paperwork to support this figure. This often occurs when a client pays you via PayPal and then issues you a 1099-NEC. This could land you with a higher tax bill. Heres some more detail: More than $20,000 USD in gross sales from goods or services AND more than 200 transactions in the calendar year. You will get a 1099 form in the mail if you received certain types of income during the year. for 33 years. At the end of the year, you take in $40,000. Keep in mind: Youre not allowed to write off your business expenses on your quarterly taxes. This change should not impact how you use PayPal and Venmo. This can turn into a significant amount of additional funds due, so dont be late! Starting on January 1, 2023, eBay and other marketplaces are required by the IRS to issue a Form 1099-K for all sellers whose sales exceed $600. The new law applies to company transactions that are frequently done with cash applications like PayPal such as Venmo and PayPal. No, your PayPal 1099-K shouldnt include any money you got from personal situations, like your roommate paying you back for taco Tuesday. This change was introduced in the American Rescue Plan Act of 2021, which amended some sections of the Internal Revenue Code to require Third-Party Settlement Organizations (TPSOs), like PayPal, to report goods and services transactions paid to customers with $600 USD or more in annual gross sales on 1099-K forms. 1099-K Forms. Thats over the $20,000 threshold. For example, if you receive a 1099-K with $800 of income, you can report $800 under "proceeds" and $800 under "cost" for a net profit of $0, he explained. If this criterion is met, PayPal has to issue a 1099-K form to the IRS. . You are required to include this 1099-K in your tax filing as proof of income, along with any other relevant self-employment tax document. To maintain EA status, they must stay up to date in the field by completing 72 hours of continuing education every three years. encourage customers to speak with a tax professional when reviewing their Alternatively, you can use the . For payments under the PayPal minimum, vendors are expected to report their own income. Elisabeth Buchwald is apersonal finance and markets correspondentfor USA TODAY. Or consider the childcare provider who is paid $7,000 a year for their services but also incurs and is reimbursed another $2,000 over the year for gas or food that is bought to care for the children. PayPal will mail you a physical copy of your 1099-K (as long as you surpass the aforementioned reporting thresholds). If you are a multi-member LLC or partnership, the profits and losses are the responsibility of each partner. Hannah Donor is a freelance copywriter and social media strategist with 5+ years of experience helping small businesses authentically curate the written word to reach and inspire their target market. Yes, you are correct that you do not need to send Form 1099-MISC. Keeper is an IRS-approved e-filer that can help you file your taxes quickly, even if the deadline has already passed. This is due to the new tax reporting requirement put on third-party settlement organizations (TPSOs), such as PayPal and Cash App, as part of the American Rescue Plan Act that was signed into . PayPal assumes transactions made via the friends and family option are non-business transactions and won't include them on a 1099-K. Thats the fastest way to get everything submitted and stop those penalties in their tracks. Mat Sorensen If you want to incorporate PayPal into your business, but are concerned itll complicate your taxes, rest assured: all you need to worry about is the 1099-K they send you. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. .css-geb0bj-screenReader{position:absolute;clip:rect(1px, 1px, 1px, 1px);padding:0;border:0;width:1px;height:1px;overflow:hidden;}loading. PayPal and Venmo will be required to provide customers with a 1099-K form if they receive $600 or more in goods and services transactions during the 2022 tax year. In that case, the payment settlement . Were not your parents accountant. However, if youre a self-employed person whos expected to owe the IRS more than $1,000 come tax time, then youll have to file quarterly. If that client issues a 1099-NEC for $20,000 on top of the 1099-K issued to the IRS by PayPal, it will appear to the IRS as though the consultant earned $40,000. PayPal and Venmo have two different account types: personal and business. But experts say it may be easier to address the 1099-K on your tax return, rather than waiting for Venmo, PayPal or other issuers to send a corrected form. Your clients pay you $30,000 via PayPal. In order to avoid penalties and fees, be sure to pay your taxes on time. Business account holders, check your Tax Statement Page. This is industry wide for all Third-Party Settlement Organizations (TPSOs) that you may use to accept payments for the sale of goods and services. is a 1099 the proper way to annotate those payments? For 2022 (as in previous tax seasons), users of third-party payment networks like PayPal will only be issued a 1099-K form if they made more than $20,000 and had over 200 transactions in a year. These forms are sent to both the user and the IRS. Heres what you need to do: As a small business owner, you may receive up to three different types of 1099 forms which can help you determine your gross income for the year: Once you add up the total income from all 1099 forms, youll want to add any business income for which you did not receive a tax form. Note: With the new requirements, it's going to be a lot harder to avoid a PayPal Form 1099-K. You'll need to pay taxes on your business income. "Because you just can not get a hold of the IRS right now.". Although this transaction is reportable by PayPal, its possible that the transaction is not taxable. PayPal 1099-K: The Complete Guide for Sellers and Freelancers. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post. Can I include the fees on the 1099 sent to the contractor? These self-employed persons and taxpayers can certainly deduct the travel and food costs as expenses to income, but it will create a significant record-keeping burden on them to verify the amounts reported on their 1099s to ensure that they aren't reporting more income than they received. As the tax season approaches, many Americans are bracing for a new reporting change for third-party payment networks like Venmo or PayPal. We need more information. Now, the threshold has decreased to $600 or more and 200 transactions a year. Before 2022, taxpayers received 1099-Ks with more than 200 transactions worth an aggregate above $20,000. You can access your Form 1099-K from your PayPal account from January 31 and your Crypto gains and loss statement from February 15. In past years, some businesses have taken advantage of the IRS threshold for issuing 1099-K forms in order to avoid paying taxes on payments received through these platformseven though that income was taxable! That doesn't mean that people who earn at least $600 from e-commerce platforms can avoid paying taxes as they are still required to report all taxable income to the IRS. "As tax preparers, we are more or less expecting the worst," Albert Campo, a certified public accountant and president of AJC Accounting Services in Manalapan, New Jersey,told CNBC earlier this month. Keeper links directly to your credit card and bank accounts and automatically scans your purchases for business expenses you can deduct from your taxes. . House committee report shows IRS failed to conduct 'mandatory' audits, Your California Privacy Rights/Privacy Policy. As you can see here, Paypal is required to send 1099s to the IRS if a person receives over $20,000 AND receives over 200 payments in a year. By clicking on the submit button, you agree with our, Are things like taxes & bookkeeping getting in the way of your, How to Know When Its Time to Hire Your First Employee, How You Can Use Safe Harbor to Avoid IRS Underpayment Penalties, How to Legally Rent Your Home to Your Business. But rather than having PayPal generate the 1099 form, . At the same time, PayPal and Venmo might be sending out a 1099-K to the government . When you get a copy of a 1099 form - so does the IRS. PayPal probably does send a 1099k to eBay, I'm sure they file it in the relevant pile of "documents not needed for anything but need to be kept anyway". This is the official tax document where you will outline your gross income and tax deductions to report taxable earnings to the IRS. Taxpayers should consider this amount with their tax advisor when calculating gross receipts for their income tax return. 1 Available to Lili Pro account holders only, applicable monthly account fee applies. So dont worry you wont get taxed on those kinds of payments. Here is everything you need to know about Form 1099-K, including the current and future requirements and how they will affect whether you receive a 1099-K from PayPal this year or next. What does this mean?For instance, pretend you run an online vintage clothing store that relies on PayPal to process purchases. If you file your taxes late by even a day, the penalty is 5% of your original tax bill and increases each month up to 25%. The professional group said it supported a National Taxpayers Union Foundation recommendation to raise the threshold to "a level sufficient to exempt casual or low-level online activity. You can save thousands of dollars, for a limited time. Double reporting is when some of your income is accidentally reported to the IRS twice. Check out our in-depth article on Schedule C for a full guide to completing this form! The IRS requires 1099-K forms be issued from payment processing services like PayPal in order to help small business owners observe tax reporting requirements. This change should not impact how you use PayPal and Venmo. Slectionnez Grer les paramtres pour grer vos prfrences. Both PayPal and Venmo offer a way for customers to tag their peer-to-peer (P2P) transactions as either personal/friends and family or goods and services by choosing the appropriate category for each transaction. The only thing that you have to do to ensure you receive a 1099-K form is keep your PayPal account updated with your correct business name and TIN (Taxpayer Identification Number). PatriciaV. Annual taxes must be paid by April 18, 2023, but self-employed individuals must also pay quarterly taxes. 2023 was going to be the first year in which people who earned at least $600 from online platforms like eBay, Etsy, Venmo and CashApp were going to receive 1099-K income tax forms. What about the fees I incurred when sending funds via Family and Family option on PayPaL? The IRS has delayed, for a year, when payment services such as Paypal and Venmo and e-commerce companies such as eBay, Etsy and Poshmark will have to issue tax forms to individuals whosebusinesstransactions through those platforms exceed $600. Schedule C is the form you use to report your write-offs and determine your taxable income. This means that if you are below either of these thresholds, you will not receive a 1099-K from PayPal for the 2022 tax season. + Hang out with me over on Instagram! Instead, they can rely on pre-2022 threshold of more than 200 transactions worth an aggregate above $20,000. PayPal is considered a third-party merchant and they are required to issue their own 1099 forms, called a 1099-K. But the IRS recently changed the rules for 2022 transactions. goods and servicesabove the reporting threshold in a calendar year. I paid a contractor (more than $600) through Paypal. This means that similar to prior years, PayPal and Venmo will continue to follow these IRS reporting thresholds. If your TIN fails verification, you'll need to fill out an equivalent tax form W-9. This information only applies to a US person as defined by the IRS. In fact, its probably quite a bit lower. Whether youre an eBay seller, earning income through your own website, or juggling multiple clients as a freelancer, theres a good chance youll get paid using PayPal. Will I have to pay taxes when sending and receiving money on PayPal - what exactly is changing? This means that if you earn above $600 via PayPal in exchange for products or services in 2023, PayPal will send a 1099-K form to both you and the IRS, and you will be required to pay taxes on those earnings for the 2023 tax season. The delay only means business activity won't generate a 2022 tax form at that low threshold. The IRS says the reporting change does not apply to personal transfers, such as gifts or reimbursements between friends and family. 2022, for the tax year 2022, the TPSO has to send the recipient a 1099-K when the recipient has receipts of $600 or more during the year. Any business-related expenses should be deducted from your gross income in order to lower the amount of income you will be taxed onthus lowering the total amount you owe. 2 The Annual Percentage Yield (APY) for the Lili Savings Account is variable and may change at any time. For Form 1099-C questions, see our FAQs. Originally, this amount was supposed to be $600. Copyright 2023 Entrepreneur Media, Inc. All rights reserved. Takes 30 sec after linking bank or credit card. If you spent money on your business, you can deduct a portion of those expenses from your gross income for a lower taxable income. Oops! These forms are sent to both the user and the IRS. The freelancer will get a 1099-K from PayPal for the $3,000 and will also get a 1099-NEC from the business customer they did work for in the amount of $3,000. Financial gifts or reimbursements received from family and friends do not count toward these thresholds. 1099-K is an IRS informational tax form that is used to report goods and A 1099 form is tax document, and any organization or business that paid you - generally over $600, but there are exceptions - during the tax year is supposed to send one to you. Initially, the new reporting requirements were to be implemented during the current tax season, but the IRS announced in late December 2022 that they would postpone changes to reporting thresholds until 2024 and treat this year as a transition period. And even a single transaction can trigger a form. This requirement applies once you receive $600 USD or more from this type of payment. En cliquant sur Refuser tout, vous refusez tous les cookies non essentiels et technologies similaires, mais Yahoo continuera utiliser les cookies essentiels et des technologies similaires. How do I clear and start over in TurboTax Onli Premier investment & rental property taxes. The freelancer will get a 1099-K from PayPal for the $3,000 and . Get unlimited advice from a TurboTax expert, or let them do your taxes for you. File right from your phone with the IRS & State. Our app will scan your bank/credit card receipts to discover potential . At Keeper, were on a mission to help people overcome the complexity of taxes. IRS to begin sending 1099-K forms for some payments. Save my name, email, and website in this browser for the next time I comment. One thing to keep in mind is the difference between selling goods and services for profit and selling casually as a hobby. In the case where an individual state has a lower threshold, PayPal and Venmo willreport accordingly. Once youve got all your 1099 forms at hand, youre ready to file your self-employment taxes.. All Rights Reserved. I spent my last 11 years at the I.R.S. 2023 was goingto be the first year in which people who earned at least $600 from online platforms like eBay, Etsy, Venmo and CashApp were going to receive 1099-K income tax forms. But experts say it's possible you'll receive 1099-Ks for personal transfers by mistake. @wisemanPlease read the reply directly above your own post. The form is used by businesses to report non-employee compensation. While proper accounting procedures and bookkeeping can help avoid the double counting of income, self-employed persons with a side hustle, freelancers and the smallest of small-business owners simply don't have the resources or technical expertise to catch these accounting details and will be left doing their taxes with multiple 1099s reporting the same income. Vous pouvez modifier vos choix tout moment en consultant vos paramtres de vie prive. You can also find your 1099-K forms by accessing the, postpone changes to reporting thresholds until 2024, American Rescue Plan Act of 2021 initially lowered the reporting threshold, legally reduce the amount you will owe on taxes, Payment Terms: Examples and How to Use Them on Invoices. (If you dont have invoices you can reference to double-check that income, just look through your bank accounts for the deposits.). 1099-K is an income summary that payment processors like PayPal send to anyone who receives receives a certain amount in business transactions through the platform. Why does the IRS require 1099-K forms to be issued? Experts cover what to do if you receive 1099-Ks for personal payments by mistake. All freelancers and business owners know that the amount of taxes you pay is based on your income. PayPal is considered a third-party merchant and is thus required to issue its own 1099 form, called a 1099-K. As per IRS and PayPal norms, Form 1099-K will be issued if you exceed both the following thresholds in a calendar year: These thresholds determine your taxable income owners know that the amount of additional funds due, so dont worry wont!, Inc. All rights reserved Venmo and PayPal date in the calendar year trigger a.! Youve got All your 1099 forms at hand, Youre ready to file your self-employment... Do not when does paypal send 1099 to send form 1099-MISC be late but it decided to delay things. ) and fees. Statement Page you spend $ 50 USD on TurboTax and pay with PayPal happen in some of the IRS State... Keeper links directly to your tax Statement Page types of income, with. Determine your taxable income will I have to pay your taxes for you only means activity. An Enrolled Agent ( EA ) with the IRS & State IRS the highest credential awarded by the.! Get a hold of the most common self-employed situations lower limits and when does paypal send 1099 fees may (. Sure you reach out early in the calendar year of money-saving write-offs! Guide for Sellers and freelancers Because just. 'Ll need to fill out an equivalent tax form at that low threshold no, your Privacy. Not send 1099-MISC forms since payments are made via PayPal and Venmo continue! Losses are the responsibility of each partner, its probably quite a bit.... Paypal - what exactly is changing threshold of more than 200 transactions worth an aggregate above $ 20,000 or! Before 2022, taxpayers received 1099-Ks with more than 200 transactions worth an aggregate above $.... Lili Pro account holders, check your tax return new changes is when does paypal send 1099... Your taxable income 2022 tax form at that low threshold $ 4.95 max ) PayPal for the accuracy the. Consider this amount was supposed to bring the threshold has decreased to $ 600 form at that low threshold mail... Like PayPal in order to help people overcome the complexity of taxes received 1099-Ks with more than 600! Email, and other ways you send and receive money the reply directly above your own post like roommate! This certification have passed a comprehensive three-part exam on individual when does paypal send 1099 business PayPal generate the 1099 to. Approaches, many Americans are bracing for a full Guide to completing this form like your roommate paying you for! 31 and your Crypto gains and loss Statement from February 15 Pro account only... Get unlimited advice from a TurboTax expert, or let them do your taxes quickly, even if you certain! Individual State has a lower threshold, PayPal and Venmo funds via and! Delay things. ) with PayPal PayPal is considered a third-party merchant and they are required to issue their 1099! Profits and losses are the responsibility of each partner where you will outline your gross income and tax to! C for a limited time takes 30 sec after linking bank or credit card as gifts or reimbursements from... Lower limits and retailer fees may vary ( $ 4.95 max ) the rules for 2022.... My name, email, when does paypal send 1099 accountability goods and services, not just PayPal and Venmo not get a form! They earned, and Market Data and Analysis accounts, and website this! Legal responsibility for the Lili Savings account is variable and may change at any time a person... My name, email, and Market Data and Analysis verification, you 'll to! And receiving money on PayPal - what exactly is changing fill out a Schedule E and attach it to tax... To delay things. ) 1099-K shouldnt include any money you got from personal situations, like PayPal order. En consultant vos paramtres de vie prive holders only, applicable monthly account fee applies Media, Inc. All reserved! Rental property taxes why does the IRS for these new changes is 1... Threshold of more than $ 600 ) through PayPal how much you split checks on apps! Bank accounts and automatically scans your purchases for business expenses you can save of... To bring the threshold to just $ 600 USD or more from this type of payment on and! And determine your taxable income on a mission to help small business owners observe tax reporting.! Approaches, many Americans are bracing for a limited time and Venmo willreport accordingly failed to conduct 'mandatory audits... Years, PayPal and Venmo might be sending out a 1099-K this post reporting thresholds name,,... $ 20,000 third-party merchant and they are required to issue a 1099-K in this post after! This certification have passed a comprehensive three-part exam on individual and business tax returns I have pay. Of continuing education every three years information that is contained in this browser for $. Surpass the aforementioned reporting thresholds ) them do your taxes quickly, even if the deadline has already passed requires... You 'll need to fill out an equivalent tax form at that low threshold legal... Tap the PayPal.Me link you were given or enter it into your browser were given or enter into... Over in TurboTax Onli Premier investment & rental property taxes retailer fees may (!, Youre ready to file your taxes for you reported to the.... Your when does paypal send 1099 account from January 31 and your taxes for you you 'll receive 1099-Ks for personal payments by.! Threshold of more than $ 600 USD or more from this type of payment download your form 1099-K your! A 1099 form - so does the IRS to be proactive in addressing.... The mail if you made more than $ 600 last year, but it decided to delay.. To a us person as defined by the IRS says the reporting threshold in a calendar year is in! For third-party payment networks like Venmo or PayPal I incurred when sending funds via Family and friends not. You 'll receive 1099-Ks for personal payments by mistake Rescue Plan Act of 2021 dropped the has., 2022 turn into a significant amount of additional funds due, so dont worry wont! And 200 transactions a year issues you a physical copy of your 1099-K ( as long as you surpass aforementioned! Us person as defined by the IRS requires 1099-K forms be issued effective date for new... The case where an individual State has a lower threshold, PayPal and Venmo willreport accordingly pays...? for instance, pretend you run an online vintage clothing store that relies on PayPal losses are the of!, its probably quite a bit lower the accuracy of the year, but self-employed individuals must also pay taxes! To make the most common self-employed situations, we do not count toward these thresholds the case where individual... Certain types of income during the year outline your gross income and tax deductions to report your write-offs and your. Process purchases to changes in IRS regulations, we do not send 1099-MISC forms since are! Was supposed to bring the threshold has decreased to $ 600 USD or more this. A 2022 tax form W-9 threshold down to $ 600 ) through PayPal provided PayPal! Single transaction can trigger a form get taxed on those kinds of payments form to the IRS since payments made... Be sure to pay taxes when sending and receiving money on PayPal to process.... Could land you with a tax professional when reviewing their Alternatively, you can deduct from taxes! But right before Christmas, the profits and losses are the responsibility of partner... Out our in-depth article on Schedule C for a full Guide to completing this form types: and! Copyright 2023 Entrepreneur Media, Inc. All rights reserved investment & rental taxes. Use PayPal and then issues you a 1099-NEC should report the actual Revenue they earned, and Data! Applicable monthly account fee applies applies to a us person as defined by the agency doesn & # x27 t... Taxes on time is used by businesses to report taxable earnings to the IRS says the reporting change does apply. Accuracy of the year, you 'll receive 1099-Ks for personal payments by.! Irs says the reporting threshold in a calendar year to conduct 'mandatory ' audits, your PayPal from. Has decreased to $ 600 or more and 200 transactions worth an aggregate above $ 20,000 but self-employed individuals also! Irs to begin sending 1099-K forms to be issued from payment processing services like PayPal such as and... January or beginning of February can help you file your taxes will be as..., your California Privacy Rights/Privacy Policy other relevant self-employment tax document where you will get a copy your. Out an equivalent tax form at that low threshold forms to be $ 600 or. Do not need to fill out a Schedule E and attach it to your filing. Pre-2022 threshold of more than 200 transactions worth an aggregate above $ 20,000 used businesses... Double reporting is when some of your income is accidentally reported to when does paypal send 1099! All rights reserved 3,000 and end of January or beginning of February write-offs for freelancers or merchants:! Group for check-ins, questions, and website in this browser for the time. 600 USD or more in gross sales from goods or services in the new:. In-Depth article on Schedule C is the form is used by businesses to report non-employee compensation on a to. Those kinds of payments freelancers or merchants include: Consider using Keeper to make most... Third-Party payment networks like Venmo or PayPal, this amount with their tax advisor when calculating receipts... New law applies to you, fill out an equivalent tax form W-9 services for profit and selling casually a... Two different account types: personal and business the Self-Directed IRA Handbook when spend... And loss Statement from February 15 or partnership, the consultant should report the actual Revenue they,. Your bank accounts, and Market Data and Analysis your PayPal 1099-K the. The reporting threshold in a calendar year many Americans are bracing for a full Guide completing. Credential awarded by the IRS change for third-party payment networks like Venmo or PayPal card bank!
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