It is April 30, 2026. The IRS has just started sending Letter 6645, an automated inquiry generated by their new “Entity-Matching” algorithm (Article #623).
- The Focus: It targets LLCs whose reported gross receipts don’t align with the 1099-K data provided by payment processors like Stripe or PayPal.
- The 30-Day Clock: Unlike traditional audits, you only have 30 days to provide a digital reconciliation before a “Notice of Deficiency” is issued.
- The Shark Insight: “Do not ignore Letter 6645. It’s not a human asking questions; it’s a computer preparing to seize your funds. Have your ‘Payment Processor Reconciliation’ ready at all times. In 2026, the best defense is a clean digital ledger.”