--- title: "How Should Completed W-9s Be Stored? Encrypted, Not Email" description: "A W-9 holds a Social Security or employer number. Keep it in an encrypted folder with limited access, not an inbox. Ask for it before the first payment." url: "https://mcc-solutionsnj.com/bookkeeping/guides/w-9-forms-collecting-and-storing-contractor-info" --- Bookkeeping guide · Updated October 12, 2026 # W-9 Forms: Collecting and Storing Contractor Information The W-9 is a request for a person's name, tax classification, address and taxpayer identification number. You collect it so you can report payments correctly later. Handling it well is mostly about timing and safe storage. By [Matthew Coleman](/about), MCC Solutions **Quick answer.** Store completed W-9s as sensitive information, because each one holds a Social Security or employer number. Keep them in an encrypted folder or a secure document system with restricted access, not an inbox or a shared folder, and delete email copies after filing. Ask for the form before the first payment. Want this handled for you? Monthly bookkeeping, cleanup and year-end close for small businesses. Start with a free health check of your books. [Free health check](/bookkeeping/health-check)[Get a quote](/bookkeeping/#interest) **Related:** [Owner contribution or loan](/bookkeeping/guides/owner-equity-and-capital-contributions) · [Closing entries and retained earnings](/bookkeeping/guides/closing-entries-and-retained-earnings) · [Void vs delete a transaction](/bookkeeping/guides/voiding-vs-deleting-transactions) **Free tools:** [Contractor vs employee cost](/bookkeeping/contractor-vs-employee-cost-calculator) · [How many sales do I need to break even?](/bookkeeping/break-even-calculator) [![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) Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) ## Ask before the first payment The easiest moment to get a W-9 is when you onboard the vendor, before any money moves. After a payment, the contractor has less reason to respond. Put it in your new vendor checklist alongside the contract and the invoice instructions. Use the current IRS version of the form, which is free on the IRS website. Do not use a version found in a random template library, as it may be outdated. ## Review each form when it arrives Check that the name matches the tax classification box, that the address is complete, that the form is signed and dated, and that a taxpayer identification number is entered. The name should be the one the IRS has on file for that number. If a contractor operates through an LLC, the form should reflect the correct classification for that entity. Questions about which box to choose are for the contractor and their own tax advisor, not you. ## Store it as sensitive information A W-9 contains a Social Security or employer number. Do not leave it in an email inbox, a shared folder everyone can open, or a paper pile on a desk. Keep it in an encrypted folder or a secure document system with restricted access, and delete copies from email after filing. Do not paste the number into notes fields of your accounting software that many people can see. Most programs have a dedicated tax ID field with limited visibility. ## If a contractor will not provide one Document your requests with dates. Federal rules may require backup withholding on payments when a taxpayer identification number is missing or incorrect. This is a real obligation with its own deposits and reporting, so check the current rules with the IRS or a CPA before paying. A refusal to provide a W-9 is also a reason to reconsider the relationship. ## Want us to handle it? We prepare your 1099-NEC forms for 2026 payments from the contractor list and W-9s you send, for businesses in any state. **Price:** $9 per form, $29 minimum per order. [Request 1099 preparation](/bookkeeping/1099-nec-filing-service#request) ## Keep a vendor tracker Make a simple sheet listing each vendor, whether a W-9 is on file, the date, whether the vendor is a corporation or an individual, and total paid during the year. In January it becomes your filing list. Update the tracker whenever a vendor changes name, structure or address, and ask for a new form in that case. ## Sample onboarding order for a new vendor A tidy sequence looks like this. Agree on scope and price, send the W-9 and ask for it back signed, receive it and check it, enter the vendor into your accounting file with the tax ID field filled in, and only then approve the first invoice. Each step is short, and the order protects you. For a one-off purchase from a business that is clearly a corporation selling goods, you may decide a form is unnecessary. Write down that decision in the vendor notes so the choice is visible later. ## Worked example with numbers Before the first payment, send the form and track it in a vendor table: name, tax classification, address, taxpayer ID received (yes/no), date and where the file is kept. In December, filter for vendors paid over the reporting threshold with no form. Check the current threshold with the IRS. ## Mistakes that cost money Waiting until January to ask. Emailing the form with a full taxpayer ID unencrypted. Storing it in a shared folder. Not checking that the name matches the tax ID. ## Check your work Every vendor paid in the year should have a form on file or a note about the request. ## Common questions **Do I send the W-9 to the IRS?** No. You keep it in your records. It is the source of information used to file information returns. **Do I need a W-9 from every vendor?** Not every vendor will receive an information return, but it is practical to request one from every individual or unincorporated provider you may pay. **How long do I keep W-9 forms?** Keep them with your other tax records and ask your preparer about the period that applies. This guide is general information, not tax, legal or accounting advice. Rules, fees and due dates change; check with the IRS, the NJ Division of Taxation or a licensed professional for your situation. Let us handle it [### Monthly bookkeeping Categorizing, reconciling and monthly reports, with cleanup, payroll and NJ filings available. Bookkeeping →](/bookkeeping/) More guides - [Preparing Form 1099-NEC From Your Books](/bookkeeping/guides/form-1099-nec-preparation-from-your-books) - [Paying Contractors by Card or App: 1099 Reporting](/bookkeeping/guides/payment-apps-cards-and-1099-reporting-for-contractors) - [Payroll Basics Before You Hire Your First Employee](/bookkeeping/guides/payroll-basics-before-you-hire-your-first-employee) - [Common Payroll Mistakes Small Employers Make](/bookkeeping/guides/common-payroll-mistakes-small-employers-make) Free tool - [Bookkeeping health check](/bookkeeping/health-check) [All guides](/bookkeeping/guides) Reach small business owners, freelancers and bookkeepers who read this guide: [advertise here](/advertise#bookkeeping). Do it yourself ### Year-End Close and 1099 Kit Close the year cleanly, get 1099s out on time, and hand your accountant everything in one go. [See what's inside ($29)](/toolkits/year-end-close-and-1099-kit) [Free sample](/toolkits/year-end-close-and-1099-kit#free-starter)14-day full refund Free tool: [1099 deadline calculator](/bookkeeping/1099-deadline-calculator) Course: [Small Business Bookkeeping Basics](/courses/small-business-bookkeeping-basics) ($49) covers chart of accounts, reconciliations, the monthly close, payroll and 1099 basics for owners. It is training with a certificate of completion, not a credential. ## Rather have us keep the books? Ask for a quote. [Get a Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)