Tax-related identity theft is no joke—especially for small business owners. Criminals are constantly looking for ways to steal Social Security Numbers (SSNs) or Individual Taxpayer Identification Numbers (ITINs) to file fraudulent tax returns and claim refunds. If you’ve ever worried about your sensitive information falling into the wrong hands, the IRS has a simple solution: an Identity Protection PIN (IP PIN).
An IP PIN is a six-digit number that acts like a lock on your tax account. Once you have one, no one can file a return using your SSN or ITIN without it. It’s free and easy to get, providing an extra layer of security for your business and personal finances.
For small business owners, the stakes are high. Fraudulent filings can delay refunds, trigger audits, and damage your business’s reputation. Whether you’ve been a victim before or want to stay one step ahead, an IP PIN is smart.
In this guide, we’ll walk you through how to get an IP PIN, why it’s important, and how to use it effectively. Let’s get started—your business’s security is worth it.
How do I get an Identity Protection PIN?
Getting an IP PIN is easier than you think, and the fastest way is through your online IRS account.
Step 1: Create or Log In to Your IRS Account
If you don’t already have an account, head to IRS.gov and click Create an Account. You’ll need to verify your identity using:
- A government-issued photo ID (e.g., passport or driver’s license).
- A smartphone or tablet to take a selfie for facial recognition.
- Personal information (e.g., SSN, date of birth, and mailing address).
If you already have an account, simply log in with your username and password.
Pro Tip: Make sure your photo ID is clear and well-lit. Blurry or incomplete images can delay the verification process.
Step 2: Request Your IP PIN
Once logged in, navigate to the Get an IP PIN tool. Follow the prompts to request your IP PIN. It’s quick—just a few clicks! Your IP PIN will be displayed on the screen and mailed to the address on file.
Alternative Methods
If you can’t access the online tool, don’t worry—you still have options:
- File Form 15227: Complete the Application for an Identity Protection PIN and mail it to the IRS. This method takes about 4-6 weeks to process.
- In-Person Authentication: Visit an IRS Taxpayer Assistance Center (by appointment only) to verify your identity and request an IP PIN.
While these methods work, they take longer than the online option. For speed and convenience, stick to the online tool.
What agency can provide me with an Identity Protection PIN?
The IRS is the only agency that issues and manages IP PINs. No other government or private organizations can provide or handle your IP PIN.
This exclusivity is both a strength and a responsibility. On one hand, it ensures that your IP PIN is secure and directly tied to your tax account. On the other hand, it means you need to be extra cautious about where and how you request your IP PIN.
How to Ensure You’re Using the Official IRS Website
🌐Double-Check the URL: The official IRS website is IRS.gov—not .com, .net, or any other variation. Always verify the address before entering personal information.
🕵️Avoid Third Parties: Since the IRS is the sole provider, there’s no need to involve third parties. Anyone claiming to offer an IP PIN through another agency or service is likely a scammer.
🔒Look for Encryption: The official IRS website uses advanced encryption to protect your data. Look for “https://” and a padlock icon in the browser bar to confirm the site is secure.
How much does it cost to get an Identity Protection PIN?
Here’s some good news: Obtaining an Identity Protection PIN (IP PIN) is entirely free. The IRS offers this service at no cost to help protect taxpayers from identity theft.
There are no hidden fees, subscription charges, or strings attached. If anyone asks for payment to provide an IP PIN, it’s a scam. The IRS will never charge you for this service, so always use the official IRS.gov website or authorized methods to request your PIN.
While the IP PIN program is free, scammers often try to exploit it. Remember:
- The IRS will never ask for payment to issue an IP PIN.
- The IRS will never contact you by email, text, or social media to request personal information.
How often do I need to reapply for a new Identity Protection PIN?
You’ll need a new IP PIN every year. Once enrolled in the program, the IRS will automatically generate a new six-digit PIN for you each year. Here’s what you need to know to stay on top of it:
Annual Reapplication Requirement
- New IP PIN Each Year: A new IP PIN is generated annually, and you must use the current year’s PIN to file your tax return. For example, you can’t use your 2023 IP PIN for your 2024 tax return.
- Retrieval Period: New IP PINs are typically available from mid-January through mid-November each year. If you file your taxes early, make sure to retrieve your new PIN before submitting your return.
How to Access Your New IP PIN
- Online Access: Log in to your IRS account at IRS.gov to retrieve your new IP PIN. It’s quick and easy—just a few clicks!
- Mailed Notification: If you prefer, the IRS will mail your new IP PIN to your address on file. However, this can take several weeks, so online retrieval is the faster option.
Stay Organized to Avoid Delays
- Set a Reminder: Mark your calendar for mid-January to check for your new IP PIN. This will ensure that you have it in hand before filing your taxes.
- Store It Securely: Keep your IP PIN in a safe but accessible place. If you lose it, you’ll need to wait for the IRS to mail it, which can cause delays.
The bottom line
An Identity Protection PIN (IP PIN) is a simple yet powerful tool to safeguard your identity and prevent tax-related fraud. For small business owners, it’s more than just a number—it’s an essential step to protect your business’s financial health, reputation, and peace of mind.
Getting an IP PIN is free, easy, and only takes a few minutes through your IRS online account. Once you’re enrolled, remember to retrieve your new PIN each year and keep it secure. By staying proactive, you can avoid the headaches of identity theft and focus on growing your business.
If you need help setting up your IRS account or have questions about the IP PIN process, contact us for expert guidance. We’re here to help you navigate the process and keep your business safe and secure.
