BanditAI
FIRE closes Nov 19, 2026. IRIS is the only option from Jan 1, 2027.
FIRE to IRIS Converter
The IRS is replacing FIRE with IRIS. Upload your FIRE file,
and we convert it into IRIS-ready forms and file them for you.
Uploading your own file requires a free TaxBandits account.
No TCC Required
We file under our own IRIS authorization.
State Filing Handled
We file with applicable states for you.
Recipient Copies Handled
We deliver copies to every recipient.
Corrections Covered
No cost for returns filed with us.
See It in Action
How FIRE to IRIS Conversion Works
Watch each record in your FIRE file become a CSV row, then a prefilled, IRIS-ready form.
To add the new fields before you upload your file, refer to the B record positions ↓
Your FIRE File
Information packed into long lines of text.
Your IRIS-Ready Forms
Information placed into the right fields.
Sample data only. Nothing is uploaded or transmitted from this page.
Like what you see?
Convert your own FIRE file and file it with TaxBandits.
No TCC needed, with state filing and recipient copies handled.
Beyond Conversion
Why File Your 1099s With TaxBandits
Conversion is only the first step. TaxBandits also files your returns, handles states
and recipient copies, and covers corrections.
IRS Filing Without a TCC
We transmit your 1099s through IRIS under our own authorization. No TCC, no XML and no IRS testing for you.
State Filing Included
Combined Federal/State filing is free, and we file directly with states that require it.
Recipient Copies Delivered
We deliver every recipient’s copy by Postal Mailing or Online Access, so there’s nothing to print or send.
Free Corrections
If a return comes back Accepted with Errors, the Bandit Commitment covers the cost of filing the 1099 correction.
99.3% IRS Acceptance Rate
IRIS-ready for 2+ years. Returns are checked before they reach the IRS, so almost every one is accepted the first time.
Checks Before Filing
TIN Matching, field-level validation and Smart Review catch errors before you transmit, so fewer returns need corrections.
Live Status
See whether each return is Accepted, Accepted with Errors or Rejected, for every return, right in your account.
Live Support
Get help from the TaxBandits team whenever you have a question about converting or filing your returns.
Compare Your Options
Filing Yourself vs. Filing With TaxBandits
| Filing Through TaxBandits Recommended | Filing Yourself Through IRIS | |
|---|---|---|
| Credentials | None needed | Your own IRIS TCC, plus an API Client ID and IRS testing for A2A |
| Your FIRE File | Upload it as is | Reformat into the IRS CSV template or key it in (portal), or build XML (A2A) |
| Checks Before Filing | TIN Matching, validation and Smart Review first | You review the data, and the IRS reports errors after you submit |
| State Filing | Included: free Combined Federal/State filing, plus direct filing when required |
A separate step with each state |
| Recipient Copies | Handled for you | A separate step: print, mail or deliver them yourself |
| Corrections | Free on Accepted with Errors returns | Prepared and filed by you |
New for Tax Year 2026
B Record Positions for the New 2026 Fields
Adding the new values to your FIRE file? Put each one in the recipient’s B record at these positions.
| Form | Box | What It Reports | B Record Positions |
|---|---|---|---|
|
Form 1099-NEC 3 New Boxes Nonemployee Compensation |
1b | Cash tips | 67–7812 characters |
| 1c | Tipped occupation code (TTOC) | 548–5536 characters | |
| 1d | Overtime compensation | 79–9012 characters | |
|
Form 1099-MISC 3 New Boxes Miscellaneous Information |
13a | Cash tips | 151–16212 characters |
| 13b | Tipped occupation code (TTOC) | 549–5546 characters | |
| 14 | Overtime compensation | 175–18612 characters | |
|
Form 1099-K 2 New Boxes Payment Card and Network Transactions |
1c | Cash tips | 79–9012 characters |
| 1d | Tipped occupation code (TTOC) | 609–6146 characters | |
|
Form 1099-R 2 New Boxes Retirement Distributions |
7c | Trump account checkbox | 5651 character |
| 7d | Earnings on excess contributions | 127–13812 characters |
Don’t count them twice
Tips and overtime are already part of the total in box 1a (1099-NEC, 1099-K) or box 3 (1099-MISC). Enter them in their own boxes and leave the total as it is.
Use 12-character amounts
Right-justify and zero-fill. The last two positions are cents, so 000000065000 means $650.00.
Up to two TTOC codes
The tipped occupation code field holds up to two 3-digit codes. Use 000 for any nonqualifying occupation.
Got Questions?
Frequently Asked Questions
Everything about moving from FIRE to IRIS, the converter and the new 2026 fields.
FIRE is the IRS’s older e-file system for information returns, and IRIS replaces it. From January 1, 2027, IRIS is the only IRS system for e-filing information returns.
Yes, until November 19, 2026 at 3 p.m. ET. Tax year 2026 returns can be filed only through IRIS.
No. Returns FIRE already accepted stay valid, and you don’t need to refile them.
No. A FIRE TCC doesn’t carry over to IRIS. When you file with TaxBandits, you don’t need a TCC of your own.
It’s a Publication 1220 plain-text file made of 750-character records. The record types are T (transmitter), A (payer), B (payee), C (end of payer totals), K (state totals) and F (end of transmission).
Yes. Uploading your own file happens inside your free TaxBandits account. You can try a sample conversion on this page without one.
Yes. Write the values into the B record at the listed positions before you upload, or convert the file as it is and add the new fields for the affected recipients through a separate CSV.
Yes. A single upload can include several payers, each matched to a business in your account, and mixed form types, including state (K) records.
It’s encrypted in transit and at rest and used only to build your forms and the CSV. Unless you choose to file with TaxBandits, the data isn’t stored. It’s deleted automatically, and it’s never shared or sold.
We tell you why. For example, each record should be exactly 750 characters, every record should start with T, A, B, C, K or F, and the file needs at least one payer (A) record and one recipient (B) record. Check the export settings in your software, or run a sample to compare.
IRIS supports tax year 2022 and onward. Holders of a FIRE TCC can file late or prior-year returns through FIRE until the November 19 cutoff. After that, those returns go through IRIS.
1099-NEC is due to the IRS and to recipients by February 1, 2027, because January 31 falls on a Sunday. For most other 1099s, recipient copies are generally due the same day, and e-filing with the IRS is due March 31, 2027.
Ready to Move Your FIRE File to IRIS?
Create a free account, upload your file as is, and review prefilled forms before you file.
