Being a taxpayer has never been an easy job, especially during times of inflation when the economy is falling apart, leaving you empty-handed. That’s where a ray of light comes in the form of MCTR Payment. MCTR, also known as the Middle Class Tax Refund, is a one-time payment to ease the pain of inflation and provide relief to Californian citizens.

Thankfully, this income isn’t taxable, and no special entries are required. As a matter of fact, the state sent $9.5 billion in relief funds, which is going to distribute to over eighteen million California taxpayers. Remember that taxpayers must have adjusted gross incomes of less than $500,000 to get these funds. To your surprise, around 7 million taxpayers have received their refunds via direct deposit.

The whole process takes place through a dedicated website,, which bridges the gap between Californian citizens and the government. Want to dig more? Keep reading and find everything about and how you can get started.

Are you eligible for MCTR Payment?

Wait, before you get excited and relieved about this one-time payment, it’s vital to know whether you are eligible for the same or not.

Here’s a quick rundown of some eligibility conditions you must fulfill to receive these funds.

  • You are eligible if you meet the California adjusted gross income limits.
  • If you have filed your 2020 tax return by October 15, 2021.
  • A Californian resident for more than six months or more of the 2020 tax year.
  • Must be a Californian resident on the date the payment is issued.

Remember that you will get the payment by mail in the form of a debit card, only if you

  • Filed a paper return
  • Get your tax refund through check, irrespective of the tax filing method
  • Had a balance due
  • Received your 2020 tax by direct deposit
  • Get an advance payment from your tax service provider or pay your tax preparer fees using your tax refund.
  • Received your Golden State Stimulus payment by check

How to get started with MCTR Payment?

So, if you are one of the million Californian taxpayers who got a debit card loaded with a Middle Class Tax Refund. But how do you get started? Does this card work everywhere, or will you have to withdraw the payment first?

Here’s a stepwise guide to understanding using an MCTR payment card. Remember that the card follows some standard warnings. For those who will keep it in their wallets and use them as normal debit cards, the process carries no additional charges.

Let’s elaborate on the process to activate the card and get started.

Step 1: Activate the Card

  • Just like any other debit card, you must begin by activating the same and setting a 4-digit PIN. Before you move further, review your Cardholder Agreement Fee Schedule & Transaction Limits.
  • Once you set the PIN, don’t forget to mark your signature on the back of your debit card and move to the next step.

Step 2: Use your card

  • As soon as you activate the card, you can use it to shop anywhere, in-store, online, or by phone.
  • You can also get cash back at the register when purchasing PIN debit at specific merchant stores.


That’s all about the MCTR payments and a dedicated website. Don’t worry about the interface – the site is simple to use and doesn’t involve any tech hassle to overcome. Moreover, it also includes a Middle Class Tax Refund estimator, so you can find out your estimate.

Those who qualify will receive either a direct deposit or a payment through a debit card. The government will take a taxpayer’s adjusted gross income into concern, and payments will range from $200 to $1050 for married, joint tax fillers with a qualifying dependent.

If you are facing any trouble using the website or withdrawing money, feel free to connect with us, and our experts will resolve your query in the shortest possible time.

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Vineet Maheshwari is a passionate blogger and relationship oriented digital marketing consultant with over 10 years of experience in SEO, PPC management, web analytics, domain investing, affiliate marketing and digital strategy. He has helped high tech brands connect with customers in an engaging manner, thereby ensuring that high quality leads are generated over time.