Join us January 10–11 for the 2024 Tax Season and Advisory Readiness free virtual conference.

INTEGRATED REFUND TRANSFERS

I offer my clients convenient payment options, so they don't worry about upfront fees

Still have questions? Simply call our team of experts at 800-926-3796.

MOST EFFICIENT

73% of taxpayers expect their tax professional to provide them with the best option to get their refund back the quickest.*

Pay-by-Refund helps pros collect tax prep fees easily and clients receive quicker refunds.

Discover the convenience of Pay-by-Refund.

Here's how it works:

Enroll

Enroll
Choose from our bank partners, Refund Advantage or Santa Barbara Tax Products Group, to process and distribute your clients' refunds.

File returns

File returns
Easily complete the integrated Pay-by-Refund form when completing your clients tax return to take advantage of banking products.

Processing

Processing
The IRS will deposit refunds into a temporary account set up by the bank partner you chose.

Disbursement

Disbursement
The bank handles distributing funds according to your Pay-by-Refund instructions.

Two bank options to fit your practice

Pay-by-Refund is available through these participating banks to bring you more choices to work for your clients and your firm.

PLUS–CASH ADVANCE

Give clients the option to help them get the money they need sooner.

If eligible and approved, both banks offer cash advance loans. Refund Advantage offers cash advance loans of up to $1,000 per taxpayer and up to $2,000 per taxpayer for Santa Barbara Tax Products Group (TPG).*

Not sure which bank is right for you?

Learn more about participating banks

Why should you choose Pay-by-Refund?

It's easy for your clients.

Worry-free payment

Your clients pay your tax prep fee directly from their refund. So they won't have to worry about coming back to pay you later.

No upfront cost

Flexible disbursement

Tax year 2023 enrollment now open!

It's easy for you.

Easy sign-up

You can choose to enroll for Pay-by-Refund at your convenience, either through your My Account login or within your software (ProSeries, Lacerte, or ProConnect).

Enrollment for Refund Advantage and Santa Barbara Tax Products Group are now open for tax year 2023.

Worry-free payment

Quick setup

Live support

More and more taxpayers are choosing refund transfers.^*

You might be surprised by how many of your clients are interested.

Credit card payers

People in tough times

Convenience seekers

Young people

Savers

Borrowers

Get better dedication, protection, and resolution with Pay-by-Refund.

Now your clients can have the convenience of Pay-by-Refund, coupled with strong identity-theft protection and restoration—all designed to bring more peace of mind.

Once your clients opt for Pay-by-Refund, they'll automatically be enrolled for these comprehensive services by IDnotify, a part of Experian:

Identity restoration

Identity theft insurance

Fraud resolution support

Pay-by-Refund or refund transfer program (“Program”) participation available to eligible ProSeries, Lacerte and ProConnect Tax customers for a limited time only. Program participants (will be designated to an incentive category as determined by Intuit and), depending on the software used, may earn a credit or other incentive for every qualified federal funded Pay-by-Refund transaction as outlined in the table below (excluding Quick Collect transaction) that is filed from January 1st through the 1040 tax filing deadline of the then-current Tax Year through either of the following banks: Santa Barbara Tax Products Group or Refund Advantage through the 1040 tax filing deadline of 2023 (each a “Participating Bank”). To be eligible participants must adopt industry refund transfer best practice principles by charging customary and reasonable processing fees, and federal returns must be transmitted to the IRS using a single account and EFIN. Federal returns that are rejected by the IRS, or deemed fraudulent, or a result of identity theft are not eligible for credit under the Program. For Tax Year 2022 only, if software and a user are eligible for credits, aggregate credits payment will be delivered from Participating Bank by August 31st of the current year. For all other Tax Year filings, if software and a user are eligible for credits, aggregate credits payment will be delivered from Participating Banks by May 31st of the year you are currently enrolled. For Refund Advantage, a $59.90 one-time bank set up fee applies to each federal Pay-by-Refund transaction. For Santa Barbara Tax Product Group, a $64.90 one-time bank set up fee applies to each federal Pay-by-Refund transaction. Additional fees apply to state Pay-by-Refund filings. Offer may be terminated or modified at Intuit’s discretion and Program and software terms and conditions, including available features, credits, pricing, and support are subject to change without notice. You must meet certain minimum funded Pay-by-Refund transaction thresholds in order to be eligible to qualify for free or discounted software.

Incentive criteria	Incentive payment
All ProSeries, Lacerte and ProConnect Tax customers eligible for credit incentive not specified by Tax Year indicated below.	$10 on all federal funded Pay-by-Refund transactions filed through the 1040 tax filing deadline of the then-current Tax Year beyond the number of Pay-by-Refund transactions funded in the prior Tax Year.
Tax Year 14, Tax Year 15, Tax Year 16, Tax Year 17, and Tax Year 18 NEW customers eligible for FREE ProSeries software offers	$10 on all federal funded Pay-by-Refund transactions filed over 50 (for ProSeries 1040 Complete or ProSeries Power Tax Library) filed through the 1040 tax filing deadline of the then-current Tax Year.
Tax Year 14, Tax Year 15, Tax Year 16, Tax Year 17, and Tax Year 18 NEW customers eligible for ProSeries Pay-by-Refund software offers	$10 on all federal funded Pay-by-Refund transactions filed through the 1040 tax filing deadline of the then-current Tax Year.
Tax Year 19, Tax Year 20, Tax Year 21, and Tax Year 22 NEW to the franchise professional tax customers eligible for ProSeries, Lacerte or ProConnect Tax offers	$20 for each federal funded Pay-by-Refund transaction filed through the 1040 tax filing deadline of the then-current Tax Year. Offer valid for three consecutive tax seasons from initial tax season.
Tax Year 19, Tax Year 20, Tax Year 21, and Tax Year 22 NEW to the franchise professional tax customers may be eligible for FREE or DISCOUNTED ProSeries software offers based on qualifying volume from prior year returns.	$20 for each federal funded Pay-by-Refund transaction filed over 50 returns (for ProSeries 1040 Complete or ProSeries Power Tax Library) when filed through the 1040 tax filing deadline of the then-current Tax Year. Offer valid for three consecutive tax seasons from initial tax season.

New customers may be eligible to receive free ProSeries software by meeting the following eligibility requirements per licensed copy of ProSeries software using single EFIN:
- Must show initial proof of minimum of 50 federal funded refund transfers transactions from the prior Tax Year.
- Must complete a minimum of 50 federal funded Pay-by-Refund transactions through Participating Banks by the 1040 tax filing deadline each Tax Year covered under the Term of the agreement.
- Must file the first federal Pay-by-Refund transaction within the 1st week of e-File each year of the Term.
- Free software will be upgrade equivalent of the original software version purchased via the initial order Quote.
- Filings are based on an individual site office. Multi-site offices won’t be aggregated towards the minimum thresholds described above.

New customers may be eligible for ProSeries Pay-by-Refund software offers by meeting the following requirements:
- Must show initial proof of minimum of 20 federal funded Pay-by-Refund transactions in the prior Tax Year.
- Must complete minimum of 20 federal funded Pay-by-Refund transactions through Participating Banks by the 1040 tax filing deadline each Tax Year covered under the Term of the agreement.
- Filings are based on an individual site office. Multi-site offices won’t be aggregated towards the minimum thresholds described above.

To be eligible to receive any incentive compensation under this Program, the IRS requires Intuit to prepare a 1099:
You will need to provide Intuit certain information, including: a) Tax Identification Number or Social Security Number, and b). Firm name, primary contact, address, phone number, and email address. Failure to provide any of this information may result in your incentive payment being withheld, delayed or cancelled.

Pay-by-Refund claim:
Based on blind survey of taxpayers who used a tax professional in the 12 months prior to June 2022.

Cash Advance disclaimer:
Intuit is not a party to any transactions you may choose to enter with Refund Advantage or Santa Barbara Tax Products Group banks and disclaims any liability arising out of such transactions. Visit Refund Advantage and Santa Barbara Tax Products Group’s websites for full terms and conditions. Intuit receives compensation from third parties, and the compensation may affect how and where such product offers appear to you.

1:
Based on Intuit refund transfer enrollments in tax year 2016.

Insurance disclaimer:
The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.