Direct Debit Installment Agreement (DDIA)
IRS Definition
For a direct debit installment agreement, you must provide your checking account number, your bank routing number, and written authorization to initiate the automated withdrawal of the payment.
More from H&R Block
A payment plan with the IRS where you agree to have your monthly payments automatically withdrawn from your checking account is a direct debit installment agreement (DDIA). A DDIA has several advantages: lower user fees and less chance the agreement will default. If you request your DDIA by filing Form 9465, Installment Agreement Request or by calling the IRS, your user fee is $107. If you apply for the DDIA online through the IRS Online Payment Agreement tool, the user fee is $31. The user fee for a regular pay by check installment agreement is $225 or $149 if requested through the online tool.
Get help from an IRS expert
H&R Block’s experts can solve any IRS problem, no matter how complex.
Related Information
Learn about the different options when you can't pay or still owe money from a past return from the tax experts at H&R Block.
Liens and levies are tools the IRS uses to collect back taxes. Learn more about each one -- and how to avoid tax liens and levies by working with the IRS.
Get the facts from H&R Block about the four types of IRS penalty relief, and which IRS penalty relief option may be best for your situation.
You have options when you owe taxes. Get the facts about the best way to pay your tax bill with help from the experts at H&R Block.