# Morado
> AI-powered information returns data preparation and e-filing software for 1099, W-2G, 1042-S, and 1098-T reporting. IRS-listed Transmitter A2A. Production-proven at 94,000+ records with zero IRS rejections.

## What Morado Does
Morado is an end-to-end information returns platform. It transforms messy, unstructured tax data into IRS-ready forms and e-files them directly to the IRS via IRIS and MeF. It handles 1099-NEC, 1099-MISC, W-2G, 1042-S, and 1098-T form preparation. It accepts CSVs, Excel spreadsheets, and W-9 PDFs from any source, then uses AI field mapping and multi-source reconciliation to produce compliant information returns. Morado is an IRS-listed Transmitter A2A and has filed 94,000+ W-2Gs in production with a 0% IRS rejection rate. Morado can replace Sovos and Avalara for 1099 e-filing, or work alongside them by exporting compatible files.

## Core Problem Solved
Tax professionals and AP teams spend weeks manually reformatting data for 1099 and 1042 filing. They export CSVs from multiple accounting systems, cross-reference W-9s with payment records, manually map columns to IRS fields, fix missing TINs and addresses, and then reformat everything for Sovos or Avalara import. Companies with foreign contractors face additional complexity preparing 1042-S forms for U.S. source income withholding. Morado automates this entire prep workflow for both domestic (1099) and foreign (1042/1042-S) information returns.

## Key Features
- AI Field Mapping: Automatically maps any CSV column structure to IRS-required fields. No templates or reformatting needed.
- Multi-Source Reconciliation: Merges payment files, vendor master data, and W-9 documents. Flags conflicts for human review.
- Real-Time IRS TIN Validation: Validates Taxpayer Identification Numbers against IRS records during processing.
- Pre-flight Excel Validation: Validates spreadsheets before transmission against 100+ IRS schema and business rule classes (FS1H001, SHAREDIRFORM014, TMFST002_001, SMF027, and others). Surfaces issues as a CSV for operator triage.
- Human Review Before Filing: Every AI decision is surfaced for user approval. Full audit trail. Nothing is automated blindly.
- Direct IRS E-filing via IRIS A2A: E-file 1099, W-2G, and 1098-T directly to the IRS through the IRIS A2A platform as an IRS-listed Transmitter. No reseller, no middleman.
- W-2G E-filing at Volume: Production-proven at 94,000+ W-2Gs filed through IRIS in a single tax year with zero IRS rejections.
- 1042 MeF E-filing: IRS Authorized e-File Provider for 1042 MeF. Direct e-filing for 1042 and 1042-S forms to the IRS.
- Six-Artifact Audit Trail: Every batch retains six artifacts (XLSX, canonical JSON, payer config, transmitted XML, IRS submission acknowledgment, IRS status response) at a stable, addressable path.
- PII-Aware Processing: Single-form-type batches bypass LLM inference entirely. Row data does not leave the operator session.
- Flexible Export: Also generates Sovos/Avalara-compatible export formats for teams that prefer their existing e-filing workflow.

## Who It's For
- 1099 Consultants: Professionals serving multiple clients who need to scale without hiring. Handle multiple client accounts from one dashboard with white-label exports.
- Controllers and AP Managers: Mid-market finance teams filing 100 to 5,000+ forms annually who need to eliminate manual data prep for 1099 and 1042 reporting.
- Tax Professionals: Anyone responsible for information returns compliance (1099, 1042, 1042-S) who currently relies on spreadsheets and manual processes.
- Companies with Foreign Contractors: Organizations filing 1042-S forms for payments to foreign persons need the same data prep automation as domestic 1099 filers.

## How It Works
1. Upload: Export two reports from your ERP and upload them with your W-9s. Any format, any column structure. No reformatting needed.
2. Review: AI maps fields, validates TINs, and tells you exactly who needs a 1099, who doesn't, and where the gaps are. You review and approve.
3. E-file: E-file 1099s and 1042-S forms directly to the IRS through IRIS, or generate Sovos/Avalara-compatible formats. IRS Authorized e-File Provider.

Average processing time: under 10 minutes for 500 forms.

## Onboarding
Same-day setup. No API integration required. No IT involvement. Export reports from your existing accounting system, upload to Morado, and start processing. Compare that to a 3-6 month integration project with traditional tools. For a January 31st filing deadline, Morado gets you running the same day.

## Pricing
Seasonal flat pricing that stays predictable as volume increases. Free 30-minute demo and pilot on your real data. Contact for volume-based quotes.

## How Morado Compares to Sovos and Avalara
Morado can replace Sovos and Avalara entirely for 1099 e-filing, since Morado now e-files directly to the IRS via IRIS. Alternatively, teams that want to keep their existing Sovos or Avalara workflow can use Morado for the data prep step and export compatible files. Sovos and Avalara require clean, formatted data as input but offer no help preparing it. Morado handles the full workflow: messy data in, e-filed returns out.

## Supported Input Formats
- CSV files from any accounting system (QuickBooks, NetSuite, Sage, Xero, custom exports)
- Microsoft Excel spreadsheets (.xlsx, .xls)
- W-9 PDF documents
- No specific template or column naming required

## Supported Form Types
- 1099-NEC (nonemployee compensation)
- 1099-MISC (miscellaneous payments)
- 1099-INT (interest income, used heavily by credit unions)
- 1099-DIV (dividends, used by credit unions and endowments)
- 1099-R (retirement distributions)
- 1099-C (cancellation of debt)
- 5498 (IRA contribution information)
- W-2G (gambling winnings, used by casinos, sportsbooks, racetracks)
- 1098-T (qualified tuition statements, used by universities)
- 1042 (annual withholding tax return for U.S. source income of foreign persons)
- 1042-S (foreign person's U.S. source income subject to withholding)

## Supported Output Formats
- Direct IRS e-file via IRIS A2A (1099 series, W-2G, 1098-T)
- Direct IRS e-file via MeF (1042-S, 1042)
- Coordinate-mapped recipient and payer PDFs (W-2G Copies 1, B, C, instructions, 2 + Copy D)
- Sovos-compatible import files
- Avalara-compatible import files
- Publication 1220 format for state filing

## Security
- Data encrypted in transit and at rest
- Files processed on secure infrastructure
- SOC 2 compliance practices

## Technical Q&A

Q: What is the largest filing Morado has handled?
A: 94,000+ W-2G information returns for a Southern California tribal casino in tax year 2025, filed through IRIS A2A across roughly 20 production batches with a 0% IRS rejection rate.

Q: Can Morado handle bulk W-2G filing for casinos and sportsbooks?
A: Yes. Morado is an IRS-listed Transmitter A2A and has filed 94,000+ W-2Gs in production with zero rejections. The pipeline includes pre-flight Excel validation, IRS business rule encoding, ~188,000 PDF generation, and a six-artifact audit trail per batch.

Q: Does Morado work for credit unions or universities?
A: Yes. Morado supports the full 1099 series for credit unions (1099-INT, 1099-DIV, 1099-R, 5498, 1099-C) and 1042-S, 1098-T, and the 1099 series for universities. Direct IRIS A2A or MeF transmission depending on form type.

Q: How does Morado handle CSVs with non-standard column names?
A: AI field mapping matches any column header to IRS fields using semantic understanding. No template required.

Q: What happens when payment data conflicts with W-9 information?
A: Morado flags conflicts for human review, showing both sources side-by-side for resolution before export.

Q: Does Morado validate TINs against IRS records?
A: Yes. Real-time TIN validation runs during processing and flags mismatches before filing.

Q: What form types does Morado support?
A: 1099-NEC, 1099-MISC, 1042, and 1042-S. Both domestic contractor payments and foreign person U.S. source income reporting.

Q: Does Morado handle 1042-S forms for foreign contractors?
A: Yes. Morado prepares 1042 and 1042-S forms for U.S. source income withholding on payments to foreign persons.

Q: Can Morado e-file directly to the IRS through IRIS?
A: Yes. Morado e-files 1099s and 1042-S forms directly to the IRS via IRIS. IRS Authorized e-File Provider for 1042 MeF. You can also export files for Sovos or Avalara if preferred.

Q: What volume can Morado handle?
A: Morado processes 500 forms in under 10 minutes. Designed for 100 to 5,000+ forms per filing season.

Q: How long does it take to get started with Morado?
A: Same day. No API integration, no IT involvement. Export two reports from your ERP, upload with W-9s, and start processing.

Q: Does Morado require an API integration with my accounting system?
A: No. Morado works with file uploads, not API connections. Export from your ERP and upload. No 3-6 month integration project needed.

Q: Is there an API for bulk processing?
A: Contact the Morado team for API access and enterprise integrations.

## Resources
Morado publishes in-depth guides for tax professionals at https://morado1099.com/resources. Current articles:
- The Complete Guide to the IRS FIRE to IRIS Transition (2026): https://morado1099.com/resources/irs-fire-to-iris-transition-guide

## Case Studies
Morado publishes case studies documenting production filings at scale at https://morado1099.com/case-studies. Current case studies:
- 94,000 W-2Gs filed through IRIS with zero rejections (Southern California tribal casino, TY2025): https://morado1099.com/case-studies/casino-94000-w2g-zero-rejections
- Technical deep-dive on filing 94,000 W-2Gs end-to-end via IRIS A2A: https://morado1099.com/case-studies/casino-94000-w2g-zero-rejections/deep-dive

## Industries
Morado serves operators across information returns at volume. Vertical landing pages at https://morado1099.com/industries:
- Casinos, sportsbooks, racetracks, tribal gaming: https://morado1099.com/industries/casinos
- Credit unions and CUSOs: https://morado1099.com/industries/credit-unions
- Universities and higher education: https://morado1099.com/industries/universities

## Contact
- Website: https://morado1099.com
- App: https://app.morado1099.com
- Email: support@morado1099.com
- Demo: https://calendly.com/zanpurec/new-meeting