IRS Deadline: February 1, 2027
1099 e-filing for Bill.com payment exports means taking the vendor payment history you download from Bill.com and turning it into properly formatted 1099-NEC and 1099-MISC returns that transmit cleanly to the IRS before the January deadline. The work isn't data entry — it's filtering, because a Bill.com export mixes payments that belong on a 1099 with payments that don't.
Bill.com automates accounts payable — it schedules payments, routes approvals, and stores vendor records — but it does not decide who gets a 1099 or file one on your behalf for most accounts. That obligation sits with the business making the payments, and the export you pull at year-end reflects everything Bill.com processed, reportable or not.
The complication is IRS Section 6050W. Payments you make to a vendor by credit card, debit card, or through a third-party settlement network are reported to the IRS on a 1099-K, filed by the card network or payment processor — not by you. If you also issue a 1099-NEC for the same card payment, the IRS sees two returns covering one payment, and that mismatch is exactly the kind of thing that triggers a notice. Bill.com's export usually shows payment method per transaction, which is the column that decides what stays in your 1099 batch and what gets excluded.
This is different from a business paying contractors by check or through its own bank account with no Bill.com layer at all. Bill.com users have a mixed-method payment history sitting in one report, and the filing task is separating it correctly before anything gets bulk-imported anywhere.
If you would rather not do this on paper, e-file Form 1099-NEC online with TaxFormHero instead.
Start with the full calendar-year export, not a quarterly snapshot pieced together later.
This is the step most businesses paying vendors through Bill.com skip, and it's the one that causes duplicate filings.
Once the file only contains reportable payment methods, total each vendor for the year and check it against the current line.
A rejected TIN stops the whole batch, not just one vendor's return.
Once the Bill.com export is filtered and verified, the filing itself is a mapping exercise, not a data-entry one.
TaxFormHero bulk-imports a cleaned Bill.com export directly through its Excel template, checks TINs, and files 1099-NEC, 1099-MISC, and 19 other IRS forms without a subscription fee.
| Option | Best for | Cost model | Key limitation |
|---|---|---|---|
| Manual entry, vendor by vendor | Fewer than 10 Bill.com vendors | No filing fee beyond forms filed | Hours of data entry, no built-in 6050W filtering |
| Spreadsheet plus a generic e-file tool | Bookkeepers who'll build their own column mapping | Pay-per-form | No automatic TIN match, no card/network exclusion logic |
| CPA-prepared filing | Firms that want a professional review before transmission | Billed separately by the accountant | Turnaround depends on the accountant's season workload |
| TaxFormHero bulk import | Businesses filing 50+ Bill.com vendors in one batch | Pay-per-form, no subscription | Still requires cleaning card/network payments out of the export first |
TaxFormHero is the faster path once a Bill.com export clears 50 reportable vendors — the bulk import, TIN match, and IRIS A2A transmission run as one workflow instead of three separate tools.
File your Bill.com 1099s now
Bulk-import your cleaned vendor export and transmit to the IRS the same session.
What's the best way to e-file 1099s from a Bill.com payment export?
Export the full-year vendor payment history from Bill.com, strip out card and third-party network payments, verify TINs, then bulk-import the remaining ACH and check payments into an IRS-authorized filer like TaxFormHero. Filtering before import is the step most businesses skip.
Does Bill.com report 1099s directly to the IRS?
Bill.com processes and tracks vendor payments but the 1099 filing obligation belongs to the business making the payments, not to Bill.com. You still need to file the return yourself or through a platform like TaxFormHero.
Are card payments made through Bill.com reported on a 1099-NEC?
No. Under IRS Section 6050W, payments made by card or through a third-party settlement network are reported on a 1099-K by the card network or processor, not by the payer on a 1099-NEC. Reporting the same payment on both forms creates a duplicate filing.
What's the 1099-NEC threshold for tax year 2026?
The 1099-NEC reporting threshold is $2,000 for tax year 2026, up from the $600 threshold that applied in prior years. The threshold applies per vendor across the full calendar year, not per invoice.
Can I bulk import a Bill.com export into a 1099 filing platform?
Yes, once you've filtered out card and network payments and confirmed vendor TINs. TaxFormHero accepts bulk imports through an Excel template, so you can move hundreds of cleaned vendor rows in one batch instead of entering them individually.
How do I get consent for electronic 1099 delivery?
You need affirmative consent from each recipient before sending an electronic-only copy, and you must default to mail for anyone who hasn't consented. Consent requirements apply regardless of which platform transmits the federal return.
What happens if I report a payment on both a 1099-K and a 1099-NEC?
The IRS sees two returns covering one payment, which creates a reporting mismatch and can trigger a notice to the payer. Excluding card and network payments from your 1099-NEC batch before filing avoids this.
How long should I keep Bill.com payment records after filing?
Keep the underlying payment data and filed PDF copies for at least four years after the filing date, matching standard IRS retention guidance for information returns.
The threshold change for 2026 doesn't just lower your form count — it changes which vendors need a fresh W-9 review. A contractor who crossed $600 in 2024 and 2025 but stays under $2,000 in 2026 no longer needs a 1099-NEC, which means the filing list you pull from Bill.com this year will likely be shorter than last year's, not longer. Don't assume last year's vendor list is this year's vendor list.
Answers come straight from our guides. For anything about your own filing, we’ll point you to a person.
Can’t find the answer? Contact us
General information, not tax advice. Please don’t type Social Security or tax ID numbers here.