You might often hear the question, “Can tax preparation fees be deducted from my refund?”
The answer is yes, thanks to Refund Transfer (RT) programs. EPS Financial has three robust programs that allow your clients to deduct your tax prep fees from their tax refund. Over 44K tax professionals choose to partner with us annually – and you’ll see why!
Truth is…navigating tax season as an independent tax preparer can be tough. However, with the right tools, you can make the process easy for yourself and your clients.
We offer three programs to choose from: e-Collect, e-Bonus, and e-Advance. No matter which one you choose, they all let you deduct your tax prep fees directly from your client’s IRS or State tax refund. Let’s explore each one to help you decide which fits best for your tax office needs.
YES – all the Refund Transfer programs give you and your clients the opportunity to deduct your tax prep fees from the clients’ tax refund. We have three programs to choose from, but here are benefits you will get no matter which program you pick:
If you’re looking to offer your clients the lowest-cost solution to pay your tax preparation fees from their refund, e-Collect is your best bet. With a low $20 Refund Transfer fee, this program makes professional tax preparation costs accessible without financial strain upfront.
This program is perfect for tax offices that want to help a variety of clients. It offers an affordable solution to filing fees and aims to build lasting client loyalty.
If you want to lower business costs or have clients wanting their tax refund early, e-Advance is for you. This program eliminates in-season ERO marketing fees, giving you more control over your bottom line.
If your office has many clients looking for Taxpayer Advance Loans, e-Advance is a great choice to save on marketing costs.
Looking to maximize your revenue potential? The e-Bonus program offers high incentives with rebates on every product, without the hassle of minimums or negotiations.
Tax offices that want to increase revenue should think about e-Bonus. It offers a simple rebate structure.
Choosing the right Refund Transfer program can transform your tax season experience, making it smooth and profitable. You can enroll with us as soon as your tax software of choice is open for the upcoming tax season, which is typically in the September-October timeframe.
Typically, tax software partners launch their platform starting September 1st.
Where you choose e-Collect, the low-cost option for your clients, e-Bonus, the highest incentive program for you, or e-Advance, to offer taxpayer loans at no cost to you, EPS Financial has what you need. The key is to align the program with your office’s needs and goals. This way, you can provide the best service to your clients and keep your business successful.
Let’s help you find the EPS Refund Transfer program that fits your business model. If you’re ready to simplify tax season and put your clients first, we’re here to help.
Check our Refund Transfer page or reach out to our friendly customer service team in the U.S. for clear answers to your questions. If you need help choosing a program for your office, we can assist you. Our support team is also available to guide you through our 3-step enrollment process.
Plus, we designed our platform for busy tax professionals. It makes your work easier. This way, you can spend more time helping clients and growing your business. You will worry less about paperwork.
To help you stay sharp, we offer regular tax industry updates and host EPS Academy, our monthly webinar series. We highly recommend tuning in during pre-season and tax season. Each session covers the latest industry changes, product updates, smart growth strategies, and practical tips from our experts. These tools are here to help you learn, adapt, and succeed—no matter where you are in your tax career.
You deserve support that’s just as dedicated as you are. That’s why we offer bilingual assistance and customer service you can actually count on.
Let’s set you up for success. Explore your options with EPS Financial and see how the EPS EDGE can make a difference in your business.
Questions? Reach out anytime. We’re here to help—every step of the way.
Explore EPS Financial’s Refund Transfer programs and empower your office today!
1.The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Subject to approval. Fees apply. See terms and conditions for details.
2.EPS will pay a $8 rebate for each funded check and direct deposit disbursement and $16 for each card disbursement. An additional rebate of $4 will be awarded for each additional funded deposit on any disbursement. Funding is defined as any taxpayer return funded by IRS or state that covers the entire e-Bonus product price of $39.95 (account set up fee) or subsequent $14 (additional deposit fee) and was funded between the start of e-File and April 30, 2026. The rebate will be sent to the tax professional via ACH between June 15-30, 2026. EPS reserves the right to withhold any rebate funding if the tax professional owes EPS money from duplicate checks, excessive loan loss, fraud, enrollment status, or other issues. Rebate availability varies by state and software.
3.The Refund Advance is an optional tax-refund related loan provided by Pathward®, N.A., Member FDIC (it is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans offered in amounts of $250 (where available), $500, $1,000, 25%, 50%, or 75% of your expected tax refund up to $7,000, with interestbased
applicants receiving an average of $2,028.06; $7,000 available only to wellqualified applicants with a minimum expected tax refund of $9,569. Underwriting standards subject to change. When calculating the amount of your loan, the amount of your “expected” tax refund may be affected by any refundable tax credits and fees. Loans in the amounts of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50% or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, $2,500 loan representing 50% of expected refund borrowed over 33 day term, total amount payable in a single payment is $2,581.37 including interest. Availability is subject to satisfactio of identity verification, eligibility criteria, and underwriting standards.**DETAILS AND LOAN AMOUNTS SHOWN REFLECT 2025 PROGRAM LEVELS. 2026 PROGRAM DETAILS ARE COMING THIS FALL.**
4. The FasterMoney® Visa® Prepaid Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
5. $0 Marketing Fees require e-Advance program or use of the FasterMoney® Visa® Prepaid Card for disbursement. Additional marketing fee applies for every approved advance with e-Collect and e-Bonus programs or loans without a refund transfer. Availability and fees may vary by software.
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