In most cases, a 1099 that looks “incorrect” is actually accurate based on how and when payments were made.
This article walks through the most common reasons amounts don’t match what you expect, and helps you determine whether any action is needed.
Note: We’re not tax professionals and can’t provide tax advice. This article explains how Raptive reports payments and why amounts may differ from earnings totals.
First: what does a 1099 include?
Your 1099 from Raptive reports payments issued during the calendar year, not total earnings for that year.
Because Raptive pays on a net-45 schedule, there is always a timing difference between:
when earnings are generated, and
when payments are issued
Example
A 2025 1099 includes payments issued between:
January 1, 2025 – December 31, 2025
Those payments generally correspond to earnings generated from:
November 2024 – October 2025
This timing difference is expected and does not mean your 1099 is incorrect.
Common reasons your 1099 amount may look different
#1 You’re comparing earnings to payments
Many creators compare dashboard earnings totals to their 1099.
Your 1099 reflects payments, not earnings.
To reconcile:
Go to Payments → Payment History in your dashboard
Filter or export payments for the calendar year shown on your 1099
If the payments match your 1099 total, the form is correct.
#2 Your tax setup changed during the year
If you changed your tax setup mid-year, your 1099 will reflect only the payments made while you were eligible to receive one.
This can include changes such as:
Switching from Individual to S-Corp or C-Corp
Switching from S-Corp or C-Corp to Individual
Changing your tax ID (SSN ↔ EIN)
Payments made before or after these changes may not all appear on a single 1099. This is expected.
Learn more: Why did I receive more than one 1099?
#3 You were paid via PayPal for part of the year
Payments made through PayPal are not included on a Raptive 1099.
If you switched to or from PayPal during the year:
Only non-PayPal payments appear on your Raptive 1099
PayPal is responsible for its own tax reporting
This can make your 1099 appear lower than expected, even when it’s correct.
#4 You have multiple sites or tax IDs
Raptive issues one 1099 per tax ID.
If you manage multiple sites using different tax forms, your payments may be split across multiple 1099s.
Learn more: Why did I receive more than one 1099?
Do I need to request a correction?
In most cases, no.
If one of the situations above applies:
Your 1099 is correct
No correction or reissue is needed
If you changed tax IDs or business structures during the year, please update your tax form in your dashboard first, and send us a support request here to let us know when that should date back to.
When should I contact support?
You should reach out to support if:
Your 1099 total does not match your payment history for the calendar year, and
None of the scenarios above explains the difference