--- title: "Do I Need to Send a 1099? Free Quiz | MCC Solutions" description: "Four questions to see whether you probably need to send a 1099-NEC or 1099-MISC to someone you paid, and when it is due. Free, nothing saved." url: "https://mcc-solutionsnj.com/bookkeeping/do-i-need-to-send-a-1099" --- Free tool # Do I need to send a 1099? Answer four questions about a person or business you paid. We tell you whether you likely need to send a 1099, and what to do next. [![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77) What did you pay for? Who did you pay? How did you pay? Total paid to them this year ($) Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact). How it works ## The usual rules You generally send a **1099-NEC** for payments for services to someone who is not an employee and is not a corporation, when you paid them at least the reporting amount in the year. For payments made in 2026, that amount is **$2,000**, up from $600 in earlier years. Check the figure each year, because it can change. Rent for business property is reported on a **1099-MISC**. You generally don't send a 1099 for payments to corporations, for goods or inventory, for personal spending, or for payments made by credit card or through a payment app, because the payment company reports those. Lawyers and some other cases follow special rules. The best habit is to get a **Form W-9** from every contractor before you pay them. Forms are due to the person and the IRS by January 31 of the next year. FAQ ## About this quiz **What is the 1099-NEC?** It is the form businesses use to report payments of at least the reporting amount for services to someone who is not an employee. The business sends a copy to the contractor and files a copy with the IRS. **What is the reporting threshold?** For payments made in 2026 it is $2,000. It was $600 for earlier years. The amount can change in later years, so check the current IRS instructions. **Do I send one to a corporation?** Usually not. Payments to corporations are generally exempt, with exceptions such as attorneys' fees. A W-9 from the contractor tells you how they are taxed. **What about payments by credit card or PayPal?** Payments made by credit or debit card or through a payment app are reported by the processor on a 1099-K, so you generally leave them off your 1099-NEC. **Is this legal or tax advice?** No. The quiz gives a likely answer based on the usual rules. Special cases exist, so confirm with the IRS instructions or a tax professional. See the exact date for this filing season on the [1099-NEC and W-2 due date page](/bookkeeping/deadlines/1099-nec-and-w-2-due-date), add it to your calendar in the [tax deadline calendar](/bookkeeping/tax-deadlines), or [let us handle your contractor paperwork](/bookkeeping/). More free tools: [Short-term rental break-even occupancy calculator](/bookkeeping/short-term-rental-break-even-occupancy-calculator), [Contractor overhead rate per labor hour calculator](/bookkeeping/contractor-overhead-rate-per-labor-hour-calculator), [Inventory turnover and days of inventory calculator](/bookkeeping/inventory-turnover-and-days-of-inventory-calculator), or [see all free tools](/free-tools). Free ### Month-End Close Checklist (PDF) The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link. General information, not tax or legal advice. [How we write and check our tools](/editorial-standards). Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators. ## Related - [1099-NEC forms due February 1, 2027: what to send and by when](/bookkeeping/1099-nec-filing-service/february-1-2027-deadline) If you do, put the dates on your calendar with the [1099 deadline calculator](/bookkeeping/1099-deadline-calculator). ## Need help with 1099s and payroll? [See bookkeeping](/bookkeeping/)[Call (908) 444-6373](tel:+19084446373)