Like many other peer-to-peer transfer services, Cash App completes transactions at lightning speed. This makes it a convenient and easy way to send money between your friends. But things aren’t all sunshine and rainbows.
Getting a Cash App refund after making an unwanted payment can be very difficult and the company offers no guarantee on it.
If you’ve been wondering how to get your money back from Cash App, then stay tuned as we go through the ins and outs.
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How to get a refund on Cash App
Perhaps you’re currently wondering:
- How do I get my money back on Cash App if I get scammed?
- How do I get my money back on Cash App if I sent it to the wrong person?
So you just want to know in general, how to get a refund on Cash App.
The good news is that requesting a Cash App refund is a simple process. But the not-so good news is that there’s no guarantee you’ll get your money back.
Request a refund from the recipient
If you don’t put the correct details of the recipient in, or send money to a person you don’t know and end up getting scammed, Cash App is not responsible for your losses.¹ So it’s essential that you know and trust who you’re sending money to, and that you double check you’ve inputted their details correctly.
If you want to request a Cash App refund on a payment you made, ask your recipient to:
- Open Cash App
- Select the activity tab on Cash App’s home screen
- Find and select the payment they want to refund
- Select the three dots in the top right hand corner
- Select refund
- Select “ok” to confirm refund²
You may also ask for a refund by tapping the 'Request' button on the home screen.
Easy, right? But now comes the hard part, which is actually getting your Cash App refund.
After you’ve made a refund request, you’ll have to wait for the recipient, or “merchant”, to accept it. Once they accept the request, the money will instantly appear in your Cash App account, if that’s where you sent it from.³
Cancel your payment and get a refund
Given the speed of Cash App transactions, you can’t usually cancel a payment once it's sent.
Legend has it that the only situation it’s possible in is if your payment is still in the pending phase. But because Cash App is so quick, it’s fairly unlikely that you’ll have the chance to cancel your transfer.
Best to check your activity feed to see if the payment has a 'Cancel' option.
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How long does a refund take?
If you’ve been waiting on a refund, you should know that it can take up to 10 business days to receive it.
When the recipient accepts your refund request, the money will appear instantly in your Cash App balance if that’s where you sent it from. If, on the other hand, you sent it from a card, then it can take up to 5 business days to show up.
If you have to wait longer than 10 business days to get your Cash App refund, then you should contact customer service.⁴ That being said, although they can try to help you get your money back, they’re not under any legal obligation to actually do so.¹
What to do if you were scammed
You getting your money back is entirely dependent on whether or not the recipient accepts your refund request. So if you get scammed, although Cash App customer service can help you with the dispute, there’s no guarantee of a successful outcome.
If your request refund didn’t work, then you can file a dispute. To do this, you’ll need to:
- Open Cash App
- Select the activity tab on Cash App’s home screen
- Select the transaction you want to dispute
- Select the three dots in the top right hand corner
- Select Need Help & Cash App Support
- Select Dispute this Transaction⁵
Clearly, Cash App is a great service if you're looking for a quick, convenient way to make peer-to-peer transactions. But just make sure you trust who you’re sending money to, and that you’ve entered their details correctly.
Remember - it doesn’t matter how quick the transaction is when you send money to the wrong person!
Sources:
- Cash App - Additional cash terms of service
- Cash App - Cancel a payment
- Cash App - Refund ETA
- Cash App - Merchant refunds
- Cash App - Dispute a purchase
All sources checked 28 May 2021
This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.
