How to pay a CP14 IRS notice amount due online in 2025?
I just got hit with a CP14 notice from the IRS saying I owe additional tax. The amount is around $850 for my 2023 return that I filed earlier this year. I want to pay it online since that seems fastest, but I'm super confused about how to do it. The notice directs me to irs.gov/payments but when I get there, I don't see any specific option for "CP14" payment. There are several payment options like "tax due" and "estimated tax" but nothing specifically for this notice. The CP14 is for my 2023 taxes - can I still handle this online or do I need to mail a check? Has anyone dealt with paying one of these CP14 notices online recently? I'd really prefer not to mail anything if possible!
37 comments


Zoe Wang
Yes, you can definitely pay your CP14 notice online! The IRS doesn't have a specific payment option labeled "CP14" because it falls under the general category of tax due payments. Here's what you need to do: Go to irs.gov/payments and select "Pay Your Tax Bill" or "Make a Payment" option. Then choose "Tax Return or Notice" as the reason for payment. Select the appropriate tax year (2023 in your case). You'll need to specify it's for an individual tax (Form 1040). Enter the amount shown on your CP14 notice ($850). You can pay using Direct Pay from your bank account for free, or credit/debit card for a small fee. The important thing is to make sure you select the correct tax year that matches your notice. The CP14 is just informing you of a balance due on your return - the payment process is the same as paying any other tax due amount.
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Connor Richards
•Thank you for explaining! Just to clarify - when it asks for the reason for payment, should I select "amount due on return" or "notice" as the specific option? Also, does paying online still stop penalties from continuing to add up compared to mailing a check?
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Zoe Wang
•When it asks for the reason for payment, select "Notice" as your option since you're responding specifically to the CP14 notice. Paying online will stop penalties from accruing immediately because the payment is processed much faster than a mailed check. The IRS records your payment on the date you make the electronic payment, not when they process it. With a mailed check, you're only credited from the date they receive and process it, which could be days or even weeks later, potentially allowing more interest and penalties to accumulate.
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Grace Durand
I went through this exact same situation last year with a CP14 notice! I was so confused trying to figure out how to pay it online too. Finally discovered taxr.ai (https://taxr.ai) which helped me make sense of everything. You upload your notice and it breaks down exactly what you need to do in plain English - including which specific payment options to select on the IRS website. Saved me hours of frustration and prevented me from making payment errors that could have delayed things further. For CP14 notices specifically, it showed me the exact payment path to follow and tracked my payment so I knew when it was properly applied to my account.
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Steven Adams
•Does it work for other types of IRS notices too? I got something called a CP2000 and I'm completely lost on what to do with it.
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Alice Fleming
•I'm hesitant to use third-party services for tax stuff. How do you know your tax info is secure? Do they store copies of your notices after you upload them?
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Grace Durand
•Yes, it definitely works for other notices including CP2000 notices. The tool is specifically designed to handle all the different IRS notice types - it recognizes the format and gives you tailored guidance based on exactly what type you received. Regarding security, they use bank-level encryption and don't permanently store your documents. They only analyze them temporarily to give you the guidance, then they're deleted from their system. I was nervous about that too initially, but their privacy policy spells it all out. They can't actually file anything on your behalf - they just translate what the notice means and guide you through the exact steps to resolve it yourself.
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Steven Adams
Just wanted to update after trying taxr.ai for my CP14 notice. It worked exactly as described! I uploaded my notice and it gave me clear instructions showing exactly which options to select on the IRS payment portal. The tool pointed out that I needed to select "notice" as the reason and showed screenshots of every step. I was able to complete my payment in about 5 minutes. It even explained the interest calculation on my notice which I didn't understand before. So much easier than the hours I spent trying to figure this out on my own!
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Hassan Khoury
If you're still struggling with the CP14 payment, you might want to call the IRS directly to confirm you're making the payment correctly. I know the phone wait times can be insane, but I've had good luck using Claimyr (https://claimyr.com) to get through to an agent without the endless hold times. They have a video demo of how it works here: https://youtu.be/_kiP6q8DX5c. I used it when I had questions about my CP14 payment options and got through to an agent in about 10 minutes rather than the 2+ hours I waited previously. The agent confirmed exactly how to classify the payment online and made sure it would be properly applied to my account.
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Victoria Stark
•How does this actually work? I don't understand how a service can get you through the IRS phone line faster when everyone has to call the same number.
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Alice Fleming
•This sounds like complete BS. No way some service can magically cut through IRS hold times when millions of people are trying to call. They probably just charge you money to do exactly what you could do yourself.
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Hassan Khoury
•It works by monitoring the IRS phone queue and calling repeatedly with an automated system until it gets through. Once it reaches a human agent, it calls your phone and connects you directly with that agent who's already on the line. So you skip the entire hold process completely. The service doesn't give you any special access or "cut in line" - it just handles the frustrating part of sitting on hold. Think of it like having someone else wait in a physical line for you, then texting you when they reach the front so you can step in. The IRS agents don't even know you've used the service - to them it's just a regular call.
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Alice Fleming
Wanted to follow up about the Claimyr service I was skeptical about. I reluctantly tried it after spending 3 hours on hold with the IRS and getting disconnected. Much to my surprise, I got connected to an IRS agent in about 15 minutes. The agent was able to confirm that for a CP14 payment, I should select "Notice" as the payment reason and choose the correct tax year. She also verified that my payment had been applied correctly after I made it. I hate admitting I was wrong, but this service actually delivered on what it promised and saved me hours of frustration on my second attempt to resolve this.
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Benjamin Kim
I had a CP14 last year and I just mailed a check with the payment voucher that came with the notice. Yeah, it's old school, but it worked fine. Just make sure you write your SSN, tax year, and form number on the check. I didn't trust the online system to properly apply my payment to the right notice.
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Aidan Hudson
•Does mailing a check take longer to process? I'm worried about more interest and penalties accumulating while the check is in transit and being processed. Did you have any issues with that?
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Benjamin Kim
•Yes, mailing a check does take longer to process, usually about 3-4 weeks total in my experience. The IRS considers the payment date to be when they receive it, not when you mail it, so there's potential for a bit more interest to accrue during transit. I didn't have any major issues with additional penalties, but if you're concerned about that, the online payment is definitely faster. I just personally preferred having the paper trail of the check with my information written directly on it along with the voucher. If you do mail a check, consider using certified mail so you have proof of when it was delivered.
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Samantha Howard
One important thing nobody mentioned - make sure you pay by the due date on the notice! CP14 notices give you a specific deadline (usually 21 days from the notice date), and if you don't pay by then, they can start collection actions. The interest continues to compound daily until you pay it off completely.
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Megan D'Acosta
•Do they ever negotiate on the penalty amounts? My CP14 has like $200 in penalties on top of the tax I owe, which seems excessive.
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Jayden Hill
•Yes, you can sometimes get penalty relief! The IRS has a "First Time Penalty Abatement" program where they'll waive penalties if you have a clean compliance history for the past 3 years and can show reasonable cause. You can request this by calling the IRS or writing a letter explaining your situation. Even if you don't qualify for first-time abatement, they may still consider penalty relief for reasonable cause like illness, natural disaster, or other circumstances beyond your control. The interest on the tax owed typically can't be waived, but getting the penalties removed can save you significant money. It's worth asking about when you call or pay online.
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Miguel Diaz
For anyone still confused about the online payment process, I just want to emphasize that paying your CP14 online is definitely the way to go. I made the mistake of mailing a check for my first CP14 notice a few years ago and ended up with additional interest charges while it was being processed. The key steps are: go to irs.gov/payments → select "Pay Your Tax Bill" → choose "Notice" as the reason → select your tax year → enter the exact amount from your CP14. You can use Direct Pay from your bank account for free, which is what I always do now. The payment posts immediately, so you stop accumulating interest right away. One tip: keep a screenshot of your confirmation page and the confirmation number. The IRS updates their systems overnight, so your payment might not show up on your online account for 24-48 hours even though it's been processed. Having that confirmation gives you peace of mind and proof of payment if any issues arise.
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Amina Diop
•This is really helpful advice! I'm dealing with my first CP14 notice and was definitely leaning toward mailing a check because it felt "safer" somehow. But you're absolutely right about the interest continuing to accumulate during processing time. The screenshot tip is great too - I always worry about online payments getting lost in the system. Quick question: when you say the payment posts immediately, does that mean it shows up on your bank account right away or just that the IRS records it immediately? I want to make sure I have enough in my account for the exact timing.
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Fatima Al-Mazrouei
•Great question! When I say the payment posts immediately, I mean the IRS records it immediately for purposes of stopping interest and penalties. However, the actual bank withdrawal timing depends on your payment method. If you use Direct Pay (bank transfer), it typically takes 1-2 business days to come out of your account, similar to an ACH payment. If you use a debit card, it processes immediately like any debit transaction. Credit cards also process right away but with the added fee. The key thing is that the IRS considers your payment made on the date you submit it online, not when the money actually leaves your account. So make sure you have funds available within 1-2 business days for Direct Pay, but you get credit for stopping interest accumulation from the day you make the online payment.
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Giovanni Mancini
I just went through this exact process last month with my CP14 notice and wanted to share my experience. The online payment really is straightforward once you know the steps. I was initially intimidated by all the payment options on the IRS website, but here's what worked for me: 1. Go to irs.gov/payments 2. Click "Pay Your Tax Bill" 3. Select "Notice" as the reason (this is key - not "tax return") 4. Choose your tax year (2023 in your case) 5. Enter the exact amount from your CP14 6. Use Direct Pay from your bank account to avoid fees The whole process took me maybe 10 minutes, and I got a confirmation number immediately. What really put my mind at ease was that I could see the payment reflected in my IRS online account within 48 hours, showing my balance was paid in full. One thing I learned: don't panic if you see the same balance due amount for a day or two after paying. The IRS systems update overnight, so there's always a slight delay before it shows as paid. But the important thing is that interest stops accruing from the moment you submit the online payment, not when it shows up in their system.
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Finley Garrett
•This is exactly the kind of step-by-step breakdown I needed! I've been staring at that CP14 notice for days trying to work up the courage to deal with it. Your point about not panicking if the balance doesn't immediately disappear is really reassuring - I would have definitely freaked out and thought something went wrong. One quick question: when you selected "Notice" as the reason, did it ask you to specify which type of notice or just accept that general category? I want to make sure I don't accidentally categorize my CP14 payment incorrectly and have it applied to the wrong thing.
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Andre Rousseau
•When you select "Notice" as the reason, it just accepts that general category - you don't need to specify "CP14" or any other specific notice type. The IRS payment system doesn't break it down by individual notice types, which is why it can be confusing at first. As long as you select "Notice" instead of "Tax Return" and choose the correct tax year, your payment will be properly applied to your CP14 balance. The system matches it up based on your SSN, tax year, and the amount you're paying. Just make sure the payment amount exactly matches what's shown on your CP14 notice to avoid any confusion on their end.
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Dmitry Petrov
I just want to add another perspective for anyone who might be hesitant about paying online. I was in the exact same situation as you with a CP14 notice for about $920, and I was really nervous about making the payment electronically because I'd heard horror stories about payments getting lost or applied incorrectly. But after reading through all the advice here, I decided to go the online route, and I'm so glad I did. The process was much simpler than I expected - I followed the steps everyone outlined (irs.gov/payments → Pay Your Tax Bill → Notice → correct tax year → exact amount), and used the Direct Pay option to avoid fees. What really convinced me was realizing that mailing a check would have cost me more in additional interest while it was being processed. My CP14 was already accumulating about $2-3 per day in interest, so even a week delay would have added another $15-20 to my bill. The confirmation process gave me a lot of confidence too. I got an immediate confirmation number, and within 2 business days I could see on my IRS online account that my balance was zero. The peace of mind was worth it, and I saved money compared to the slower mail option. For anyone still on the fence, the online payment really is the way to go for CP14 notices.
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Jacinda Yu
•Thanks for sharing your experience! The daily interest accumulation is something I hadn't really thought about - $2-3 per day really adds up when you're looking at potential weeks of processing time for a mailed check. Your point about the confirmation process is reassuring too. I think I've been overthinking this whole thing when the online option is clearly faster and more cost-effective. Did you have any issues with the Direct Pay option pulling from your bank account, or did it go smoothly? I've never used that specific payment method with the IRS before.
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Avery Flores
•The Direct Pay option worked perfectly for me - no issues at all! It functions just like any other ACH bank transfer you might set up for paying bills online. You provide your bank routing and account number, and it processes as a standard electronic withdrawal. The money came out of my account exactly 2 business days after I submitted the payment, which was right on schedule based on what the system told me to expect. The IRS has been using this Direct Pay system for years now, so it's pretty reliable. Just make sure you double-check your routing and account numbers when entering them - that's really the only place where user error could cause problems. Overall, it felt much more secure than I expected and definitely beats writing checks or paying credit card fees.
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Esmeralda Gómez
I just want to thank everyone for all the detailed advice in this thread! I was the original poster feeling completely lost about how to pay my CP14 notice online, and thanks to all your step-by-step guidance, I was able to successfully make my payment yesterday. I followed the process outlined by several of you: went to irs.gov/payments, selected "Pay Your Tax Bill," chose "Notice" as the reason, selected 2023 as the tax year, and entered my exact $850 amount. Used the Direct Pay option to avoid fees, and the whole thing took less than 10 minutes. Got my confirmation number immediately, and I can already see this morning that the payment is showing as processed in my IRS online account. Such a relief to have this resolved quickly rather than worrying about mailing a check and accumulating more interest. This community really came through with practical, actionable advice. For anyone else dealing with their first CP14 notice, don't overthink it like I did - the online payment process really is straightforward once you know which options to select!
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Diego Mendoza
•That's awesome to hear! It's so satisfying when you finally tackle something that seemed overwhelming and it turns out to be much simpler than expected. Your success story will definitely help other newcomers who find themselves in the same situation with CP14 notices. The fact that you could see the payment processed in your online account the very next day really shows how much faster the electronic route is compared to mailing checks. Thanks for closing the loop and letting us know it worked out - it's always great to hear when the community advice actually solves someone's problem!
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Mei Zhang
Just wanted to add one more tip for anyone paying their CP14 online - make sure you're on the official IRS website (irs.gov) and not a third-party site that might charge extra fees. I almost fell for a site that looked official but was charging a $15 "convenience fee" on top of what the IRS already charges for credit card payments. Also, if you're using Direct Pay and your bank account is with a smaller credit union or regional bank, you might want to give them a heads up that you're making a large payment to the IRS. Some banks flag unusual government payments as potential fraud and could temporarily freeze your account. I learned this the hard way when my credit union blocked my Direct Pay attempt and I had to call to get it resolved. The whole process is definitely worth doing online though - just be aware of these small potential hiccups so you can avoid them!
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Louisa Ramirez
•This is such valuable advice! I never would have thought about notifying my bank beforehand about a large IRS payment. That could have been a real headache if my account got frozen right when I was trying to resolve my tax issue. Your point about watching out for fake IRS payment sites is really important too - I can see how someone stressed about a tax notice might not notice they're on the wrong website and end up paying unnecessary fees. Thanks for sharing these practical tips that could save people time and money!
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Diego Flores
I went through the exact same confusion with my CP14 notice last year! The key thing that helped me was realizing that the IRS payment portal groups all tax-related payments under general categories rather than specific notice types. Here's what worked for me: when you get to irs.gov/payments, select "Pay Your Tax Bill" then choose "Notice" (not "Tax Return" - this is important). The system will ask for your tax year (2023 in your case) and the payment amount. Make sure to enter exactly $850 as shown on your CP14. I'd strongly recommend using the Direct Pay option from your bank account - it's free and processes much faster than mailing a check. You'll get a confirmation number immediately, and the payment stops interest from accumulating right away. The IRS considers the payment made on the date you submit it online, not when it's actually withdrawn from your account (which takes 1-2 business days). One last tip: take a screenshot of your confirmation page! The payment might not show up in your IRS online account for 24-48 hours due to system processing delays, but having that confirmation number gives you proof of payment and peace of mind.
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Jamal Edwards
•This is exactly the kind of clear, step-by-step guidance that takes all the guesswork out of the process! I really appreciate you emphasizing the difference between selecting "Notice" vs "Tax Return" - that seems like such an easy mistake to make that could cause the payment to be applied incorrectly. The screenshot tip is brilliant too, especially knowing there can be that 24-48 hour delay before it shows up in the system. Having that confirmation number as backup documentation would definitely help me sleep better at night after making such a significant payment online. Thanks for breaking this down so clearly for those of us navigating our first CP14 situation!
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Lena Kowalski
I just wanted to add my experience as someone who was initially terrified of paying my CP14 online but ended up being so glad I did it electronically. I had a $1,200 balance due and was paralyzed by fear that I'd somehow mess up the online payment process and make things worse. What finally convinced me was calculating how much extra interest I'd pay while a mailed check was in transit - it was going to cost me an additional $25-30 just in processing delays. That math made the decision easy. The actual payment process was remarkably straightforward once I stopped overthinking it. The key steps that worked for me: irs.gov/payments → "Pay Your Tax Bill" → select "Notice" as payment reason → choose correct tax year → enter exact CP14 amount → use Direct Pay to avoid fees. What really helped my anxiety was calling my bank beforehand to let them know I'd be making a large government payment - this prevented any fraud alerts from blocking the transaction. I also bookmarked the IRS payment confirmation page and took photos of everything with my phone as backup documentation. The relief of seeing "Balance: $0.00" in my IRS online account two days later was incredible. For anyone still hesitating about paying online - it really is the fastest, cheapest, and most reliable option for CP14 notices!
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Sean O'Brien
•Your experience really resonates with me as someone who's also dealing with tax anxiety! I love that you did the math on the interest costs - that's such a practical way to overcome the fear of online payments. The $25-30 in additional interest really puts things in perspective versus the minimal risk of the electronic payment process. Your tip about calling the bank ahead of time is something I hadn't considered but makes total sense, especially for larger amounts like your $1,200 payment. I'm definitely going to follow your approach of taking photos and bookmarking everything for my records. Thanks for sharing how you worked through the anxiety - it's reassuring to know that even people who were initially scared ended up having such a positive experience with the online payment option!
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Leila Haddad
As someone who works in tax resolution, I can confirm that everyone here has given you excellent advice! The online payment process for CP14 notices really is much simpler than it appears at first glance, and you're absolutely making the right choice by going electronic rather than mailing a check. Just to reinforce the key points: select "Notice" (not "Tax Return") as your payment reason, make sure you choose 2023 as the tax year, and enter exactly $850. The Direct Pay option from your bank account is definitely your best bet - no fees and it processes quickly. One additional tip I'd add: if you have any other outstanding tax issues or unfiled returns, make sure to address those soon as well. The IRS is more likely to work with taxpayers who stay current on all their obligations. But for now, getting this CP14 paid online will stop the interest clock and give you peace of mind. You're doing the right thing by taking care of this promptly rather than letting it drag on. The online payment system has become very reliable over the years, and you'll have that confirmation number as proof that everything was handled properly.
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