What Is an EIN Filing Service?

An EIN filing service is a company that handles the IRS EIN application process on your behalf. Instead of navigating the IRS website or completing Form SS-4 yourself, you answer a few simple questions, and the service prepares and submits everything for you.

What Does an EIN Filing Service Actually Do?

A filing service takes your basic business information, completes IRS Form SS-4 accurately, and submits it to the IRS.[1]

If you only need an EIN for banking purposes and nothing else, read our guide on getting an EIN for banking purposes only to understand what that process looks like.

Once approved, you receive your official EIN. The service does not issue EINs itself; only the IRS does. What it provides is accuracy, speed, and guidance through a process that can be confusing the first time around.

NOTE: If your business is a nonprofit, you will also need your EIN before you can apply for 501(c)(3) tax-exempt status.

What Is The Difference Between IRS Direct Application And EIN Filing Service?

Here is how the two options compare:

The IRS online application is free and fast for US-based applicants who are comfortable with government forms. A filing service adds a layer of accuracy review and support that is valuable if you are applying for the first time, are uncertain about your business structure classification, or are a non-US resident who cannot use the online system.

Not sure which business structure you have or need? Review our ultimate guide to understanding and comparing business structures before applying.

How Long Does It Take to Get an EIN Through a Filing Service?

The IRS processes online applications instantly during business hours. A filing service typically delivers your EIN the same day or within one to two business days, depending on IRS processing times. Mail and fax applications sent directly to the IRS can take two to four weeks.

How Much Does an EIN Filing Service Cost?

Getting an EIN directly from the IRS is free. A filing service charges a fee for preparing and submitting the application on your behalf. This fee covers the time, accuracy review, and expert support that come with using a professional service. If your time is valuable or you want the peace of mind that comes with having a specialist review your application before it goes to the IRS, the fee is worth considering.

What Are the Benefits of Using an EIN Filing Service?

1. Accuracy

Form SS-4 asks specific questions about your business structure, reason for applying, and responsible party. A wrong answer can delay your EIN or require you to start over. A filing service reviews your application before submission, catching errors that could slow you down before they happen.

2. No Back-and-Forth With the IRS

If you make a mistake on a direct IRS application, you may need to call the IRS Business and Specialty Tax Line to resolve it. That process can take days. A filing service reduces the chance of errors in the first place, so you spend less time on hold and more time running your business.

3. Protect Your Social Security Number

When a sole proprietor applies directly, they often use their SSN on business-related forms. A filing service helps structure your application correctly so you can use your EIN going forward instead of your personal information on business documents and vendor applications. This is especially important for sole proprietors and business owners who also need to register a DBA name or are wondering how to determine if they need a DBA alongside their EIN.

4. Peace of Mind for Non-US Residents

International applicants cannot use the IRS online application. They must apply by phone or mail, which adds time and complexity. A filing service familiar with the process can make this much more manageable and ensure the application is completed correctly from the start.

Are There EIN Filing Scams to Watch Out For?

Yes. The Federal Trade Commission warns business owners about third-party websites that charge excessive fees for EIN applications while implying they are affiliated with or endorsed by the IRS. These sites are not government agencies and have no official connection to the IRS.[2]

Here is how to protect yourself:

• Never pay an unusually high fee for EIN assistance
• Confirm the company is a legitimate business formation or filing service with verifiable customer reviews
• Know that the IRS itself charges nothing for an EIN; you are paying for professional preparation and support, not for the EIN itself
• Avoid any site that uses pressure-driven urgency to push you into acting immediately

A reputable EIN filing service is transparent about what it does, what it charges, and exactly what you will receive.

The Bottom Line

An EIN is one of the first and most important steps in setting up your business. It lets you open a bank account, hire employees, file taxes properly, and protect your personal Social Security number from being used in everyday business transactions.

Getting one directly through the IRS is free and fast if you are comfortable with the process. Using an EIN filing service adds accuracy, expert support, and peace of mind, especially for first-time business owners or non-US residents navigating an unfamiliar system.

Whether you are just starting out or adding a new entity to your portfolio, having your EIN in place gives you a solid foundation to move forward with confidence.

Ready to get your EIN? Apply for your EIN online through Swyft Filings. We handle the entire process, review for accuracy, submit to the IRS, and deliver so you can open accounts, hire, and grow without the paperwork headache.

Bibliography

1. Internal Revenue Service. About Form SS4. Accessed on May 05, 2026.
2. Federal Trade Commission. FTC Warns Operators of Websites That Charge For an Employer Identification Number and Claim Affiliation With the IRS. Accessed on May 05, 2026.
3. Internal Revenue Service. When to Get a New EIN. Accessed on May 05, 2026.