Does Shipt Send You a 1099? A 1099-NEC in Stripe Express, and a $2,000 Line

Shipt sends shoppers a Form 1099-NEC once their pay for the year reaches the threshold, and for 2026 pay that threshold is $2,000. Shipt files the form and Stripe delivers it, through Stripe Express rather than the Shipt Shopper app. Shipt's help pages, and Stripe's own guide for Shipt shoppers, still say $600, which was right for 2025 pay and is out of date now.

A 1099-NEC, filed by Shipt and delivered by Stripe

Shoppers sign an independent contractor agreement with Shipt, and Target's annual report says Target engages independent contractors "most notably in our Shipt subsidiary." Contractor pay goes on a Form 1099-NEC, the form Shipt names on its tax page. Shopping for Shipt does not produce a W-2, and Shipt's shopper help pages describe no Form 1099-K. Shipt files the forms with the IRS and the relevant states, and Stripe delivers your copy. Shipt's driver help center describes a 1099 for its package delivery drivers as well, counted by the same weekly pay periods.

That delivery route is the main difference from Instacart, whose full-service shoppers also get a 1099-NEC but have found it in the Instacart Shopper app since the 2023 tax year.

Shipt still says $600. For 2026 pay the line is $2,000

Shipt's shopper tax page says you get a 1099-NEC if you earned $600 or more. Its Payment History page, updated in July 2026, still repeats $600 with 2025 dates, and so does Stripe's Shipt guide. For the forms covering 2025 pay, sent in early 2026, that was correct. The One Big Beautiful Bill Act raised the 1099-NEC threshold to $2,000 for payments made after December 31, 2025, so the form covering 2026 pay, which arrives in early 2027, uses $2,000. Our guide to the 1099 threshold covers which forms changed.

The threshold only decides whether Shipt files a form. The IRS says gig income must be reported even when no form reports it, so a shopper paid $1,500 in 2026 may get nothing in January and still has to report that pay, with self-employment tax once net earnings reach $400.

What the total includes, and the year it covers

Shipt says the 1099 total includes order pay, tips, special pay, and incentives, and it adds promo pay and extra pay into an order's pay. The year is not quite January to December. Shipt builds it from its Monday-to-Sunday pay periods: the 2025 form covered earnings from December 30, 2024 through December 28, 2025, plus any Instant Payout withdrawn from December 29 through 11:59 p.m. local time on December 31. Shipt has not posted the 2026 dates yet.

So the form may not match a total you add up from bank deposits. Compare it with the end-of-year pay statement in the Shopper app (Payment History, then Download), which every shopper can get, form or no form, and which shows earnings and tips separately. If the two differ, check late December first.

Getting the form out of Stripe Express

Starting in November, Stripe emails an invitation to set up Stripe Express. Stripe's subject line is "Get your Shipt tax forms faster by enabling e-delivery," while Shipt's page says to look for "Confirm your tax information with Shipt," so search for both. Once you are in, consent to e-delivery: without it you cannot view or download the form there, and with it the form is ready by January 31. Decline e-delivery, or get no email from Stripe by mid-January, and a paper copy is mailed instead, which can take up to 10 more business days.

Check your name, address, and Social Security number by January 21, because Stripe locks edits to tax information from January 21 to February 3. For an EIN instead of your SSN, Shipt says to email a W-9 to [email protected]. Corrections after filing start with the edit option in Stripe Express and finish with Shipt, which files the corrected form.

If no form has arrived

• Your pay was under the threshold, $600 for 2025 and $2,000 for 2026.
• Stripe's email is in spam or went to an old address. Shipt support can update your email.
• You chose e-delivery and are waiting for paper. Shipt says it cannot mail a paper copy then, so print the electronic one.
• Your account is shared, or your email is on more than 20 accounts, which Stripe Express does not support. Contact Shipt.

Tips count, and the tip deduction may apply

Shipt says shoppers keep 100 percent of customer tips, and tips paid through the app are inside the 1099 total. Cash tips are yours to track: Shipt says it cannot reflect tips collected outside the app, and the shopper agreement makes reporting them your job. The IRS's current Form 1099-NEC instructions add a Box 1b for the part of the Box 1a total that was tips. Shipt has not said how its form covering 2026 will fill it.

Shipt's year-end statement shows tips separately, which matters for the new federal deduction for qualified tips, up to $25,000 a year for 2025 through 2028. The IRS list of tipped occupations includes goods delivery people, with grocery delivery drivers and app-based delivery people among its examples. For the self-employed, the deduction cannot exceed net income from the work that earned the tips, and it phases out above $150,000 of modified adjusted gross income ($300,000 joint). The IRS says a gig worker's tips are still subject to self-employment tax.

Your car, your costs, your log

The shopper agreement puts every vehicle cost on you, from buying and maintaining the car to parking and tolls. Shipt sets pay from inputs such as estimated drive time, but that is pay, not a mileage reimbursement, so your business miles are still yours to deduct. Stripe says it does not handle mileage reporting for Shipt, and Shipt's tax page suggests a mileage-tracking app. In California, Proposition 22 adds a pay floor that counts engaged miles at 37 cents each, but it only tops up pay that falls short, and those miles stop when the order is done.

For many shoppers, mileage is the largest deduction of the year. The IRS business rate for 2026 is 72.5 cents a mile through June 30 and 76 cents from July 1, and the IRS expects the miles, date, and business purpose of each trip recorded at or near the time. See what a compliant mileage log needs and how the mid-year rate change works, and for what else a shopper can deduct, tax deductions for rideshare and delivery drivers.

Nothing is withheld, so plan for the bill

Shipt's pay FAQ answers "Are taxes taken out of my paycheck?" with a plain no, and the shopper agreement says Shipt has no authority to withhold unless the law requires it. The income tax and self-employment tax on your profit are yours to pay, usually through quarterly estimated payments. Our guides to quarterly estimated taxes and self-employment tax cover how much to set aside and when it is due.

This article is general information, not tax advice. Tax rules change and every situation is different. Confirm the details against current IRS guidance or talk to a qualified tax professional before you file.