Cash App Pay payments

Cash App is a popular consumer app in the US that allows customers to bank, invest, send, and receive money using their digital wallet. Cash App Pay uses the customer’s stored balance or linked debit card to fund the payment.

Eligibility and availability

Account eligibility

Your account might be reviewed after activation to confirm eligibility. While Cash App Pay doesn’t enforce any additional website requirements, make sure that you provide a website that meets the Stripe account activation requirements. You can contact Stripe support to appeal any Cash App Pay capability restrictions.

Payment support

Cash App Pay uses either the customer’s Cash App balance or linked debit card to fund the transaction. By default, Cash App Pay uses the customer’s Cash App balance if the balance can cover the entirety of the order amount. Otherwise, it uses the customer’s linked debit card. A Cash App customer can’t combine payment options for a single order (for example, using the balance for part of the order amount and debit card for the remainder).

While there are no business level minimum or maximum limits enforced, Cash App sets variable customer level limits for sending and receiving money. This limit is based on a number of factors such as verification status of the customer’s account and transaction history. Use Cash App Pay for lower value orders (for example, below 2000 USD) to reduce the likelihood of a decline.

Capabilities

Refunds

You have up to 90 days from the original payment to submit a refund using the Dashboard or Refunds API. This is the maximum the payment method allows-your return policy determines what you offer customers.

Refunds for Cash App Pay payments are asynchronous and take up to 10 business days to complete. Cash App Pay refunds can’t be canceled.

Refund process

Cash App Pay refunds are never processed as reversals. Cash App Pay handles the refund directly and returns the funds to the customer’s original payment source, which is either their Cash App Pay balance or linked payment method. The customer sees the refund reflected in their Cash App Pay account or funding source.

Tracking refunds

You can view refund status in the Dashboard. Open the payment and click View Details on the refund entry, or retrieve the Refund object and check its status field. Stripe also notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the status of the Refund object transitions to succeeded. If a refund fails, the status transitions to failed, Stripe returns the amount to your Stripe balance, and you must arrange an alternative way to provide your customer with a refund.

Disputes

Customers have up to 120 calendar days from the date of purchase to file Cash App Pay disputes.

Cash App Pay payments can only be disputed once.

Dispute process

If the Cash App Pay payment used the customer's linked debit card as the underlying source for payment, customers can initiate a dispute directly with their issuing financial institution or directly with Cash App. For payments that use the Cash App stored balance as the underlying source, contacting Cash App is the only option. When a dispute is opened, Stripe immediately withholds the disputed amount and the applicable dispute fee from your balance. You have 13 calendar days to submit evidence. Cash App Pay reviews your evidence and issues a final decision within 58 calendar days of dispute creation.

Dispute notifications

When a Cash App Pay dispute is opened, Stripe notifies you through:

• Email
• The Stripe Dashboard
• A charge.dispute.created webhook event

The dispute reason is available in the Dashboard and in the reason field of the Dispute object. The evidence submission deadline is available in the Dashboard and in the evidence_due_by field of the Dispute object.

Responding to disputes

You have 13 calendar days from dispute creation to submit evidence.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchases you’ve already refunded)

You can submit evidence and manage Cash App Pay disputes in the Dashboard or programmatically using the Disputes API. In the Dashboard, go to the Needs Response tab, click the disputed payment, then click Counter dispute to submit your evidence, or Accept dispute to accept the loss. To submit evidence through the API, upload supporting files using the Files API and include the returned file IDs when you update the Dispute Evidence object.

Dispute outcomes

If Cash App Pay resolves the dispute in your favor, Stripe returns the disputed amount to your Stripe balance.

If they rule in favor of the customer, the balance charge becomes permanent. Dispute fees are non-refundable regardless of the outcome.

Liability for consumer fraud

For on-session payments, customers must authenticate Cash App Pay payments by logging in to their Cash App account. This requirement helps reduce the risk of fraud or unrecognized payments. Cash App takes financial liability for any losses because of customer fraud.

However, customers can also authorize the use of Cash App Pay for future, on-file payments. In this scenario, customers might not be present at the time of transactions, and the customer doesn’t authenticate by logging in to their Cash App account. Therefore, Cash App has less visibility to monitor and manage customer fraud on these types of transactions, and Cash App allocates liability to you for customer fraud as a result. Cash App notifies you of disputes for consumer fraud and expect you to help manage them by providing the types of evidence listed above.

Payment method cloning

You can save a customer’s Cash App Pay payment method for recurring purchases but the saved Cash App Pay payment method can only be used with the business of record that the customer authorized off-session use for. This means that Connect users can’t clone Cash App Pay payment methods across different connected accounts when the connected accounts act as the business of record.

Stripe product support

Branding

Boost conversion by letting your customers know you accept payments with Cash App Pay by including their approved brand assets on your website.

Customer experience

Transaction identifiers

Every Cash App Pay payment appears on the customer’s bank statement with the CashApp* prefix attached to the merchant name. The merchant name is set to the company.name field.

To use a dynamic statement descriptor, set the field statement_descriptor when creating the PaymentIntent. If you’re using the Payment Link or Checkout interfaces, you can pass in payment_intent_data.statement_descriptor field to set the statement descriptor. The dynamic statement descriptor is shown in the Cash App application only and doesn’t appear on external card or bank statements.

Learn more about dynamic suffixes.

The charge type of Connect payments might change the default statement descriptor and the business name that appears on the customer’s bank statement. The charge type can also change the business of record shown on:

• The Cash App customer interface
• Customer confirmation emails from Cash App
• The mandate when saving payment details

A “platform saved payment method” is a payment method created through PaymentIntent or SetupIntent without using the on_behalf_of parameter. Thus, the saved payment method belongs to the platform account.

To save a customer from repeated authentications for Destination on_behalf_of charges, platforms often save a payment method for the customer, then use it for off session Destination on_behalf_of charges.

Enable Cash App Pay

If you use our front-end products, you can enable Cash App Pay directly from your payment method settings. Stripe then automatically determines the most relevant payment methods to display to your customers.

If your integration requires manually listing payment methods, learn how to manually configure Cash App Pay as a payment.