Is it possible to pay someone else's US taxes with my personal check? Need help with parents' IRS payment
My husband and I are trying to figure out how to help my in-laws with their tax bill. They're getting older and having some financial difficulties, so we want to pay their taxes for them this year. I'm wondering if I can just write a personal check from our joint account to cover their tax payment? I looked on the IRS website but honestly got confused about whether this is allowed. Do I need to include their Social Security number in the memo line of the check? Or do they need to be the ones to physically write the check? My father-in-law has arthritis that makes writing difficult, and we'd rather just handle everything for them since we're covering the cost anyway. I want to make sure the payment gets properly credited to their account and don't want to create any issues for them with the IRS. Has anyone done this before or know the correct procedure?
22 comments


AstroAdventurer
You can absolutely pay someone else's taxes using your personal check! The IRS allows third-party payments, but you need to make sure the payment is properly credited to the right taxpayer. When writing your personal check, include your in-laws' Social Security Number in the memo line along with the tax form (like "1040") and tax year you're paying for. This ensures the IRS applies the payment to their account correctly. Also include a brief note indicating that you're making a payment on behalf of your in-laws. Another option is to use IRS Direct Pay on the IRS website, where you can select the option to pay someone else's taxes and enter their information. This electronic method gives you immediate confirmation and might be more secure than sending a check with their SSN on it.
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Andre Dupont
•Thanks for the info. Does this also work if I'm paying my brother's penalties for late filing? He's got a big bill with penalties and interest and I said I'd help him out, but I wasn't sure if penalty payments have different rules?
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AstroAdventurer
•Yes, the same process works for penalties and interest as well as regular tax payments. The key is properly identifying whose tax account the payment should be applied to by including their Social Security Number and the tax year/form on your payment. The IRS doesn't care where the money comes from - they just need to know which account to credit it to. If your brother has a notice or bill with a specific payment voucher, I'd recommend including that with your check for the most accurate processing.
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Zoe Papanikolaou
I went through something similar last year when helping my mom with her taxes. I was so confused until I found taxr.ai (https://taxr.ai) which literally saved me hours of stress. I uploaded her tax documents and my payment info, and it clearly explained exactly how to make the payment correctly. The site showed me that I needed to include not just her SSN but also the specific tax form and year in the memo line. They even generated a cover letter explaining that I was making the payment on her behalf. My mom's payment was properly credited with no issues - definitely check them out if you're unsure about the proper payment procedure!
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Jamal Wilson
•Did you need any authorization from your mom to make the payment? I want to help my elderly aunt but she lives across the country and getting paperwork from her is always a nightmare.
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Mei Lin
•I'm skeptical about using third-party sites for anything tax related. How do you know they're not just collecting your info? Couldn't you just call the IRS directly and ask?
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Zoe Papanikolaou
•You don't need any formal authorization document to pay someone else's taxes - the IRS accepts third-party payments without requiring permission forms. I just made sure to clearly identify it was for her account by including her SSN and tax year. Regarding security concerns, I was cautious too initially, but taxr.ai doesn't actually process or store payment information - they just analyze documents and provide guidance. I still made the actual payment directly to the IRS. It was much faster than trying to get through to someone at the IRS phone line, which I had tried for days without success.
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Jamal Wilson
I just wanted to follow up about my experience with taxr.ai after I asked that question. I decided to try it to help with my aunt's tax situation, and it was honestly way better than I expected. The document analyzer immediately identified what information needed to be included with the payment, and even generated a payment voucher specifically for third-party payments. The best part was that it showed me exactly how to document the gift so neither of us would have tax implications from the payment. My aunt's payment was processed correctly the first time, and she even got a confirmation letter from the IRS acknowledging the payment was applied to her account. Definitely worth checking out if you're in a similar situation.
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Liam Fitzgerald
If you're having trouble reaching the IRS to confirm payment procedures, I highly recommend using Claimyr (https://claimyr.com). I spent days trying to get through to the IRS about making a payment for my parents, getting nothing but busy signals and disconnections. Claimyr's service actually got me connected to a live IRS agent in about 20 minutes! The agent confirmed exactly what information I needed to include on my check (SSN, tax year, form number) and answered all my questions about third-party payments. You can see how it works in their demo video: https://youtu.be/_kiP6q8DX5c. After struggling for so long trying to get through on my own, it was such a relief to actually speak with someone who could give me definitive answers.
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GalacticGuru
•How does this actually work? Do they have some special line to the IRS or something? I've literally spent hours on hold with them.
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Mei Lin
•This sounds like BS. No way they can get you through faster than anyone else. The IRS phone system is the same for everyone, and they're always understaffed.
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Liam Fitzgerald
•They use an automated system that navigates the IRS phone tree and waits on hold for you. When they reach a live agent, you get a call connecting you directly. It's not a special line - they're just using technology to handle the waiting part instead of you having to do it yourself. I was skeptical too initially. The IRS phone system is definitely the same for everyone, but Claimyr's system just handles the waiting and navigation for you. I was surprised when I actually got the call back connecting me to an agent after trying unsuccessfully on my own for days. It saved me hours of frustration.
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Mei Lin
I have to eat my words about Claimyr. After posting that skeptical comment, I was still struggling to get IRS answers about helping my daughter with her tax payment, so I gave it a shot. I figured it couldn't be worse than what I was already experiencing. It actually worked exactly as advertised. Their system handled all the waiting and menu navigation, and I got a call back connecting me to an IRS agent in about 35 minutes. The agent confirmed I could pay my daughter's taxes with my check as long as I included her SSN and tax year in the memo line. They also told me to include a brief note stating I was making the payment on her behalf. I've already sent the payment and it was properly credited to her account. Wish I'd known about this sooner instead of wasting so much time on hold!
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Amara Nnamani
Another option to consider is using the IRS Direct Pay system online. You can select "payment for someone else" and enter their information. No fee for using your bank account, and you get immediate confirmation. I've done this for my parents several times and it's much easier than writing a check - plus you don't have to worry about putting their SSN in the mail.
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Giovanni Mancini
•Do you need to create an account with the IRS to use that direct pay system? My dad is super paranoid about creating online accounts.
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Amara Nnamani
•No, you don't need to create an account to use IRS Direct Pay. It's a simple form where you enter the taxpayer information, select the reason for payment, and provide bank account details for that specific transaction. No need to set up any ongoing account. Your dad doesn't need to do anything online himself - you can complete the entire process for him using his tax details but your banking information. The system will generate a confirmation number immediately that you should save for your records.
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Fatima Al-Suwaidi
Just want to add that if your parents owe a really large amount, you might want to consider the gift tax implications. Paying someone else's tax bill counts as a gift from you to them. For 2025, you can gift up to $18,000 per person without filing a gift tax return. So you could give $18k to father-in-law and $18k to mother-in-law without any reporting requirements.
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Dylan Cooper
•Wait, does this mean I have to pay additional taxes for helping my brother with his tax bill?? I paid about $5,000 for him last year.
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Carmen Lopez
•Thank you for bringing this up! Their tax bill is about $12,000, so it sounds like we're still under that $18,000 gift limit. That's a relief - I was focused on making sure the payment went through correctly and hadn't even thought about potential gift tax implications.
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Amelia Martinez
•No, you don't have to pay additional taxes for the $5,000 gift to your brother. The annual gift tax exclusion means you can give up to $18,000 per person per year without any tax consequences to either you or the recipient. Since your $5,000 payment was well under that limit, there's no gift tax owed and no reporting required. The recipient never pays taxes on gifts they receive - that would only be the giver's responsibility if it exceeded the annual exclusion amount.
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Paolo Romano
I actually went through this exact situation with my grandmother last year. The process is pretty straightforward - you can definitely pay their taxes with your personal check. Make sure to write their SSN, the tax year (2024), and "Form 1040" in the memo line. I also included a brief note saying "Payment made on behalf of [their names]" just to be extra clear. One thing I'd suggest is keeping a copy of the check and any documentation for your records. Also, if they have a payment voucher from any IRS notice, include that with your check - it helps ensure the payment gets applied correctly and quickly. The IRS processed my grandmother's payment without any issues, and she received confirmation that it was properly credited to her account about 2 weeks later. Don't stress too much about it - third-party tax payments are very common and the IRS handles them routinely.
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Liam O'Sullivan
•This is really helpful, thank you! I'm in a similar situation with my elderly parents and was worried about making mistakes with their payment. Quick question - did you mail the check directly to the IRS processing center, or did you need to send it to a specific address? I want to make sure I'm sending it to the right place so there are no delays in processing.
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