In the Italian tax landscape of 2026, digitization has taken giant steps, yet there are still procedures that require special attention because of their specific nature. Understanding how to pay F23 online it has become an impelling necessity for thousands of taxpayers who want to optimize their time and avoid long expectations to physical branches. The F23 model, unlike the most common F24, is mainly used for the payment of register taxes, pecuniary sanctions, mortgage taxes and other taxes managed by specific offices such as the Revenue Agency or the judicial authorities. Although the drive towards digital administration is very strong, the telematic payment of this specific model is not always immediate or available on all banking platforms. Many institutions have implemented proprietary solutions within their home banking portals, but the procedure may vary considerably from one supplier to another. In this guide updated to 2026, we will explore every single option available to make the payment in total safety, analyzing the compatibility of the main banking systems and the alternatives available if your online banking service does not natively support this specific function. Prepare your tax codes and access credentials, because we are going to deepen every technical and practical aspect necessary to complete the operation without bureaucratic jams.
The structure of the model F23 and its function in 2026
Identification of the basic fields for payment
Before approaching any digital system to understand how to pay F23 online, it is essential to understand the structure of the document that you have in your hands. The F23 model stands out for a subdivision in very rigid sections, where each field has a precise meaning that must be faithfully reported in the payment interface of the bank. The data of the slope and those of the eventual co-mandate must be inserted with extreme precision, carefully checking the tax code. A critical element is represented by the identification data of the office or the holder: unlike the F24, where the tax code is often enough, in the F23 it is necessary to specify the code of the addressee of the payment. This code is usually composed of three characters and identifies the competent territorial seat, a detail that if incorrect can lead to long grinding procedures. In 2026, most home banking portals integrated drop-down menus to facilitate this selection, but manual verification remains a mandatory step for each diligent contributor who wants to avoid future checks or penalties due to failure due to formal errors.
In addition to the personal data and office, the heart of the F23 model is represented by the actual payment section. Here we find the causal, the tribute code and the year of reference. The causal code is an alphanumeric code (such as “RG” for the registry tax or “SZ” for the sanctions) that instructs the receiving entity on the nature of the payment. The tribute code, instead, defines exactly what you are paying. It is essential to remember that in 2026, although many tributes have migrated to the F24 Elide model or the ordinary F24, the F23 model remains the pillar for administrative sanctions issued by prefectures or other local authorities, as well as for certain judicial acts. During online compilation, make sure you have the original act or the payment folder, since the reference numbers of the act and the notification dates are often mandatory fields in the advanced digital modules offered by banks. Accuracy at this stage is not only a matter of laziness, but the guarantee that the system of the Revenue Agency can automatically match your payment to the open slope, definitively closing the practice without further manual intervention by officials.
Types of tax managed via F23
The use of the F23 model in 2026 covers a specific range of payments that do not fall within the unified payment system managed by the F24. Among the most common items are the register taxes for certain public acts, taxes on inheritances and donations (where not managed telematically by notaries), and mortgage taxes. A very important sector concerns administrative sanctions: if you have received a fine from an entity that has not yet joined the most advanced PagoPA payment systems, it is very likely that an F23 is required. Even the sums due to civil or criminal trials, such as the expenses of justice or the recovery of professional credits related to bankruptcy procedures, often pass through this model. Understanding this distinction is vital because attempting to pay a tribute to the F23 by using a F24 module could result in a refusal of payment by the bank or, worse, in a deposit that ends in a “limbo” accounting difficult to recover, requiring extremely tedious and long-term refund or compensation requests to process.
Another area of frequent application in 2026 concerns the fees for state concessions or payments related to the use of public goods. Many local authorities continue to prefer the F23 for its ability to granulate the target office. In addition, penalties imposed by supervisory authorities such as the Antitrust or the Privacy Authority may sometimes require the use of this model for spontaneous payments or as a result of dispute. Knowing how to pay F23 online means being ready to manage a variety of legal and administrative situations that can touch both the private citizen and the professional or the entrepreneur. The versatility of the model, combined with its specificity, makes it an instrument still fundamental in the contemporary Italian fiscal system, despite the increasing competition of more modern systems. The key to success in payment is always in the careful reading of the payment notice received, which clearly indicates which model to use and which codes to enter in order not to incur attribution errors that could invalidate the effectiveness of the payment itself.
How to pay F23 online through your Home Banking
Check the compatibility of the banking service
The first operational step for those who wonder how to pay F23 online is to check if their bank actually offers this feature in 2026. Although technology is advanced, the F23 module requires a software interface other than that of the F24 due to the complexity of its fields (such as office codes and ente codes). To proceed, log in to your reserved area, either through desktop browser or mobile app. Navigate to the section usually called “Payments”, “Tasses and Tributes” or “F24/F23”. If you only find the reference to the F24 model, try looking within the submenu or use the internal search function of the portal. Nationally important banks such as UniCredit, Intesa Sanpaolo or BPER often have dedicated sections, but in some cases the function could be hidden under the word “Other payments to PA”. If the voice does not appear, it is likely that the institution does not support the digital format for the F23, forcing you to look for alternative ways that we will see later.
In case of doubts about the presence of the service, the expert advice in 2026 is to consult the PDF guides made available by the bank or to contact customer support via chat. Often banks update their interfaces and a service that was not available the previous year could have been implemented recently. Another effective method to check availability is to type in the address bar or on a search engine the bank name followed by the keyword “F23 online payment”. If the service is active, you will surely find a support page that explains how to access it. Remember that, if your bank does not offer the service, it is not possible to “adap” an F24 module by entering the data of the F23: the banking back-end control systems and the Revenue Agency would immediately discard the operation due to the discordance of the fields and the tax codes validation rules, leaving you with the unresolved problem and the risk of exceeding the expiry of the payment.
Digital compilation standard procedure
Once you locate the correct section in your home banking, the procedure for how to pay F23 online follows a fairly standardized logical iter. You will start by entering your personal data, which is often pre-compiled by the banking system by drawing on the account owner's information. Subsequently, you will have to fill out the section relating to the Office or the Office. This step is crucial: you will have to enter the office code (e.g. “T01”) and, if required, the ente code. Then you will pass to the section of the payment data, where you will enter the tax code and the causal one. Many platforms in 2026 offer real-time control of the validity of the codes entered, reporting any errors before the final confirmation. Be sure to enter the correct amount, taking care not to reverse commas and points, especially if you are operating from mobile devices where the numeric keyboard can mislead. Before authorizing the transaction with your security system (OTP, fingerprint or facial recognition), make a final cross-check with the paper model or notice received.
After confirming the payment, the system will process the request. Unlike instantaneous transfers, payment of a tax may take a few extra moments for the generation of the telematic receipt. It is of fundamental importance to download and preserve the quiet payment in PDF format that the bank will make available to you. This receipt is not only proof of payment for your personal accounting, but it is the only legally valid document in case of disputes by the Revenue Agency or the creditor institution. In 2026, digital preservation is the norm, but make sure you have a secure backup. Some banks also send confirmation via email, but the official receipt with the number of telematic protocol is usually found in the document archive or in the list of movements of the payments section made. If the transaction is “in processing” for more than 24 hours, please contact the bank immediately to ensure that there have been no technical blocks or communication problems with tax register servers.
- Access your credit institution's home banking portal.
- Look for the specific section dedicated to F23 models or various tributes.
- Fill out the fields related to the recipient's office and the tribute code.
- Check the amounts and identification data of the act or penalty.
- Authorise payment through biometric or OTP security systems.
- Download and store the electronic receipt produced by the system.
Alternatives when home banking does not support F23
The use of Poste Italiane services
If your bank does not allow you to understand how to pay F23 online through its systems, the first natural alternative in 2026 remains the Italian Posts. Historically, the Posts were the main vehicle for the payment of tax forms in Italy. However, it is important to note that even on the site of Poste Italiane the availability of the model F23 online can be swinging or limited to certain periods or types of user (such as the bank account holders). If you can't find the F23 form in Poste's online payment panel, the quickest solution is to go physically to a post office. Here you can deliver the completed paper model or let the operator enter the data at terminal. Although this contradicts the goal of acting totally online, it remains the safest way to avoid errors if you do not have an evolved home banking. In 2026, many post offices allow you to book your turn via app, minimizing waiting times and making the operation less burdensome than the past.
There are also third-party services or affiliated tobacco shops that use private payment circuits linked to banking systems. Many of these physical stores are equipped with terminals that can scan the barcode present on pre-compiled F23 models, performing the operation in seconds. If you opt for this road, always check that the point of sale releases a clear receipt that reports the payment code and the identification of the operation. Although these are not purely “online” solutions in the sense of being performed by their sofa, they represent the security network for all those taxpayers who collide with the technological limitations of digital platforms. The digitization in Italy in 2026 is pervasive, but the final shift to the total dematerialization of the F23 model is still an ongoing process, and that is why the flexibility between physical and digital channels remains a necessary competence for every citizen who wants to properly manage his tax position.
Intermediaries enabled and professionals
Another valid option for those who have difficulty understanding how to pay F23 online is to contact qualified intermediaries such as Tax Service Centres (CAF) or their accountant. These professionals have access to dedicated telematic channels, such as Entratel or management software integrated with the Revenue Agency systems, which allow the sending and payment of any tax model, including the F23. This solution is particularly recommended when payment concerns large sums or complex acts where the risk of error in the choice of tax codes is high. The professional will charge the model and will have the payment directly from your current account (after authorization and proxy F24/F23) or manage the payment through its own funds and then repay the cost. In 2026, the digital delegation became a standard, and often just a click from your smartphone to allow the accountant to proceed with the operation, making the process extremely smooth and safe.
Moreover, the use of intermediaries offers an additional guarantee: professional responsibility. If an error in the online compilation made by you can lead to accurate folders and sanctions, the payment made by a professional is covered by insurance and supported by a prior technical verification. Many companies in 2026 completely outsource this function to avoid engaging internal resources in bureaucratic procedures that, although digital, require a specific knowledge of codes and deadlines. If you are in an urgent situation and your home banking gives you technical errors or does not support the form, calling your tax advisor may be the winning move to solve the problem in a few minutes, exploiting professional technological infrastructures that exceed the limits of consumer interfaces intended for the general public. Always remember to request a copy of the receipt of the telematic presentation produced by the Revenue Agency system.
The F23 model remains an indispensable tool for the payment of specific taxes and sanctions, requiring a millimeter accuracy in the compilation of office codes and the identification data of the act. In 2026, verifying the compatibility of your home banking is the first crucial step for secure payment and no queues.
The technical criticalities of the online payment F23 in 2026
Why is it not as simple as the F24?
Many users wonder why, despite being in 2026, understand how to pay F23 online is even slightly more complex than the F24 model. The answer lies in the architecture itself of the two systems. The F24 is a “unified” model, designed from the beginning for mass telematic management and credit compensation. On the contrary, the F23 is a “anagraphic” model that is born to bind a deposit to a specific office and to a very precise file or act. This structure requires that the receiving system of the bank is able to dialogue with different databases and to validate fields that are not present in the standard F24, such as the “Office Code” and the “Ente Code”. Many banking institutions, to reduce maintenance costs of home banking software, prefer not to implement these variants, especially considering that the volume of F23 models issued is lower than the F24. This creates a technological fragmentation where only larger or more corporate-oriented banks offer a complete user experience for this tribute.
In addition, validation of codes in the F23 is more rigid. If in the F24 an incorrect tax code can sometimes be corrected by office if the amount is clear, in the F23 the error on the office code can allocate the funds to a completely different revenue agency headquarters, making the payment invisible to the office that issued the act. In 2026, computer security has imposed additional layers of control that, if they protect the taxpayer, on the other hand make the data entry interface more sensitive to small typing errors or incorrect formats. Understanding how to pay F23 online therefore requires an extra amount of patience: you need to make sure that the home banking session does not expire while looking for the correct codes and that the internet connection is stable to avoid interruptions while sending encrypted data to interbank servers. The technology is there, but the bureaucracy of the underlying data remains that of a system that favours the accuracy of the attribution compared to the speed of the transaction.
The role of the Revenue Agency
Another frequent question concerns the possibility of paying the F23 directly from the website of the Revenue Agency. Surprisingly, in 2026, while the “Fisconline” and “Entratel” portal offer powerful tools for the F24 (such as the F24 Web service that does not require additional software), for the F23 the situation is different. The Agency’s website allows you to consult the tax codes, check deadlines and even fill out an F23 model to print, but rarely offers an integrated direct payment gateway for private citizens similar to PagoPA. This forces the taxpayer to bridge the information found on the institutional site and the payment tools offered by his bank. This separation between “compilation” and “payment” is what generates most of the confusion in who seeks how to pay F23 online. The Agency provides instructions, but the operating arm remains the financial intermediary.
However, the Revenue Agency has stepped forward in assistance. In 2026, their chatbots and interactive guides are very efficient in explaining which codes to use according to the nature of the received act. If you have a doubt about a specific field of the F23 model, consult the official site of the AdE before accessing your bank is the best strategy. Once you have secured your data, you can transfer it to the digital form of your home banking. It is important to note that the AdE constantly monitors payment flows: an F23 paid online will appear in your “Fiscal Code” within a few working days. This integration allows you to verify that everything has gone to good end, offering that digital tranquility that is fundamental when you manage economic relations with the State or with the Public Administration. Transparency has increased, although the payment path remains multi-channel.
- Always check the correspondence between office code and territorial headquarters.
- Do not confuse the causal with the tribute code: they have different functions.
- Make sure the reference year is the one indicated in the notification act.
- Check the availability of sufficient funds on the account before you start.
Common errors to avoid in payment of the online F23
Inaccuracies in codes and amounts
The most frequent error committed by those who try to understand how to pay F23 online is the incorrect inclusion of identification codes. As already mentioned, the F23 model is extremely sensitive to details. A typical error concerns field 6 (“office code”) and field 7 (“ente code”). Often taxpayers confuse the office code that issued the act with that of their residence, but it is the first one that must be inserted to ensure that the money arrives at the correct destination. Also field 10, related to “identifying data”, is often left out or compiled partially. In this field the number of the act or the folder must be inserted: without this reference, the administration will not know which slope to match your payment, and you may still be unfulfilled despite you have paid. In 2026, home banking systems report if a mandatory field is empty, but they cannot know if the entered number is the correct one for your specific location.
Another critical point is the amounts. It seems trivial, but the incorrect typing of decimals is a common cause of partial or excessive payments. If you pay less than due, even for a few cents, the system will not consider the slope closed and will start with additional interests and sanctions. If you pay more, you will have to undertake a laborious procedure of refund application. In 2026, many banks have introduced digital keyboards optimized for fisco that help to properly insert cents, but human attention remains irreplaceable. Also, make sure you do not enter the amounts related to different taxes in the same field: each tribute code must have its own line dedicated with its amount, just like in the paper model. The total sum will be calculated automatically from the system, and that final value must correspond exactly to the total indicated in your document. A double verification in this phase will save you hours of phone calls to the call centers of the Revenue Agency in the following months.
Deadlines and processing times
Time management is another crucial factor. Many taxpayers wait for the last day to figure out how to pay F23 online, ignoring that banking systems can have times of “cut-off”. If you enter a payment at 23:59 on the expiry day, it is very likely that the bank will take it into account with the accounting date of the next day, making the late payment. In 2026, although many processes are instantaneous, the tax pay regulation still follows interbank flows that can take 24-48 hours to be perfected. The advice is to proceed to the payment at least two or three working days before the expiry indicated in the act. This security margin covers any technical hitches, bank website maintenance or sudden security checks on your transaction that may delay sending the telematic flow.
Finally, the time zone and public holidays must be considered. Although you are operating online, servers that manage F23 payments may not process data during national holidays. If the deadline falls on Saturday or Sunday, it is usually extended to the following Monday by law, but it is always better not to risk. The digitization of 2026 has made it all faster, but the tax legislation still maintains roots anchored at business days banking. Always check the date of execution that the system proposes before confirming: if the date of execution shown is after the expiry, know that you could impose penalties for delayed payment. In that case, the only solution to heal the position is to resort to “operous repentance”, calculating and autonomously adding a small penalty and legal interests to the total to be paid, but it further complicates the compilation of the F23 model online.
Frequently Asked Questions about how to pay F23 online
Can I pay an F23 for another person?
Yes, it is absolutely possible to pay an online F23 model on behalf of third parties, but it is necessary to pay great attention to the compilation of the fields. In the home banking system, you will have to enter the data of the person you are making the deposit (the actual contributor) in the section dedicated to the “Dates of the slope”. Your data, as holders of the current account from which the money starts, will be recorded by the banking system as “subject that makes the payment”, but for tax purposes what counts is the tax code inserted in the form. In 2026, this procedure is common for parents who pay penalties for children or professionals who pay for their customers. Just make sure your credit institution allows you to freely change the credit fields in the online form.
What happens if I mistake the tax code in the online F23?
If you realize that you have entered an incorrect tax code after confirming the payment, the situation requires timely intervention. You cannot cancel the payment once the flow has been sent to the Revenue Agency. You will need to present a correction request (usually called “autotute instance”) at the payment recipient’s office, attaching the receipt and explaining the error committed. In 2026, many of these instances can be sent through PEC or through the telematic services of the Revenue Agency (“Consign documents and requests”). The office will update the payment on the correct code. It is a bureaucratic process that can take several weeks, so the maximum attention in the process of inserting data online remains the best strategy.
Can I pay the F23 online with credit card?
Payment of the F23 online by credit card depends exclusively on the services offered by your intermediary. Most home banking systems charge the cost directly on the current account balance via tax transfer. However, in 2026, some portals of payment services (such as those offered by Poste Italiane or some fintech apps) allow to pay tributes using credit or debit cards of the main circuits (Visa, Mastercard). Keep in mind that these platforms could apply a service commission for the operation, unlike the home banking that usually offers the service for free. Always check your card's spending limits before proceeding, especially for high-priced registry taxes.
Where do I find the quietness of the payment made online?
The quietness of an online paid F23 is not sent by post. In 2026, you find it exclusively within your private area of home banking, usually in the “Archivio” section, “Documents” or “Payments”. Telematic quietness is a PDF document containing the unique identification of payment and the digital stamp of the bank. It is essential to download and store it for at least 5 years (or more, depending on the nature of the tribute). If you have paid through the Posts website or other intermediaries, the receipt will be available on your personal dashboard on their site. Remember that the simple notification of “operation performed” displayed on screen at the end of the procedure does not replace the official quietness valid for legal purposes.
Is the online F23 valid for road code sanctions?
This is an important distinction in 2026. Most fines for violations of the Road Code issued by Carabinieri, State Police or Municipal Police are now managed through the PagoPA system, which uses payment alerts other than the F23 model. However, there are special administrative sanctions or prefectious appeals that may still require the use of F23. The golden rule is to carefully observe the minutes or notice received: if it contains an attachment that resembles an F23 or explicitly mentions the tax codes typical of this model, then you must proceed as explained in this guide. If there is a QR code or IUV code, you will need to use the PagoPA channels, much more popular and simple to manage online.
In conclusion, learning how to pay F23 online represents a fundamental step for a modern and autonomous management of its fiscal position in 2026. Despite the small technical challenges related to banking compatibility and the accuracy required by codes, the benefits in terms of time saved and traceability are immense. Remember to always check the availability of the service at your institute, to fill out each field with the utmost attention by consulting the original acts and, above all, to carefully store the digital receipts. Italian taxation will continue to evolve, but the digital awareness of the taxpayer remains the most effective tool to successfully navigate between obligations and deadlines. If you find insurmountable difficulties, do not hesitate to consult a professional or to use the assistance channels made available by the Revenue Agency, thus ensuring that all your payments are successful in full compliance with current regulations. Now you have all the necessary knowledge to face your next F23 model directly from your computer or smartphone.
