For most Americans, the answer to that question will be no. However, the payment does make some assumptions about your 2020 income which the government does not know yet. If you had a much higher income in 2020 [good for you!] than you did in 2019, it is possible that you may have to pay back some of the money. For example, if you exceeded the $75,000 or $99,000 thresholds and the government does not yet know this, you may have to pay the money back. This will not likely apply to the majority of Americans. And, if it applies to you, you can feel good that you earned a lot more money in 2019 than in the past