System updates

We’re experiencing issues that may affect your Square services. We’ll continue to update our status page with more information.

Back to Home

Accept Payments with Cash App Pay

Customers can complete their payments on your Square POS or Square Online site using Cash App.

Paying with Cash App simplifies in-person contactless transactions at your POS, providing your customers an alternative payment method to complete their purchases and helping your business avoid the need to process card-not-present transactions. During the checkout process at your POS, you can choose Cash App Pay as the customer’s payment method to generate a unique QR code on your device screen. They then scan the code from their mobile device using Cash App to make their payment.

Online payments with Cash App are also simplified. Customers on the desktop version of your Square Online site will scan a QR code in the same way they would at your Square POS. If your customer is buying from your mobile site and has Cash App installed, they'll simply tap a Cash App button during checkout to start paying.

Note: Cash App Pay is currently available for businesses processing payments on Square Register, Square Stand, Square Terminal, Square Online, and the Square Point of Sale app for iOS and Android devices. Paying with Cash App is not available through Square for Restaurants, Square for Retail, Square Appointments, or Square Invoices at this time.

Accept Payments

Accepting payments with Cash App Pay will depend on your setup.

On Square Register

Square Register comes with a built-in customer-facing display separate from your Register screen that allows customers to see their cart, total cost, and the option to add a tip. The customer-facing display is also where they will scan the Cash App Pay QR code.

To accept Cash App Pay on your Register:

  1. When the customer’s cart is fully built, tap Charge $X.XX.
  2. Select Cash App Pay as the payment method.
  3. When the QR code generates on the customer-facing display, have them scan it with Cash App on their mobile device. Your customer-facing display will then prompt them to add a tip to the sale. Note: Tips can’t be added via Cash App at this time.

When the transaction processes successfully, the sale is complete.

Note: If the customer scans the QR code while the cart is being built, when you tap Charge, your Register will automatically detect that the customer scanned the QR code and will process the payment. You won’t have to select Cash App Pay as the payment method in this instance.

On Square Stand and tablets

Square Stand allows you to turn your tablet into an easy-to-use point-of-sale device. Although Stand doesn’t come with a customer-facing display, you can connect your own display device or easily swivel your Stand so your customer can view the screen during checkout. If you aren’t using Stand but are using a standalone iOS or Android tablet, customers can still pay with Cash App through your device.

To accept Cash App Pay on your Stand or tablet:

  1. When the customer’s cart is fully built, tap Charge $X.XX.
  2. Select Cash App Pay as the payment method.
  3. A QR code will generate on your screen. Swivel your Square Stand toward the customer or show them your screen so they may scan the QR code with their mobile device. Your screen will then prompt them to add a tip to the sale. Note: Tips can’t be added via Cash App at this time.

When the transaction processes successfully, the sale is complete.

On Square Point of Sale

The Square POS app allows you to turn your mobile device into an easy-to-use point-of-sale device. To process a Cash App payment on your Square POS app, make sure you have the POS app downloaded to process payments with Cash App Pay.

To accept Cash App Pay on your POS app:

  1. When the customer’s cart is fully built, tap Charge $X.XX.
  2. Select Cash App Pay as the payment method.
  3. A QR code will generate on your screen. Show the customer your screen so they may scan the QR code with their mobile device. Your screen will then prompt them to add a tip to the sale. Note: Tips can’t be added via Cash App at this time.

When the transaction processes successfully, the sale is complete.

On Square Online sites

On top of accepting Cash App Pay on your POS devices, customers can also use Cash App while checking out from your Square Online website.

To toggle this feature for your site:

  1. From the Square Online Overview page in your Dashboard, go to Settings > Checkout or Shared Settings > Checkout.
  2. Under Cash App, toggle the Accept Cash App Payments option.

Learn more about accepting payments on Square Online for more information about Cash App payments and other online payment processors.

Reporting

All payments completed via Cash App will be reflected as the Cash App tender type in your sales reports. Cash App payments will appear in reports found through your online Square Dashboard and the mobile Reports applet on POS.

Refunds

Cash App Pay transactions originating from the stored balance in the app will be refunded to the customer’s Cash App account balance. Cash App Pay transactions originating from a linked debit card or bank account will be refunded to the original card or bank account.

Disputes

Just like other types of payment disputes, buyers can file disputes for Cash App payments for two types of reasons:

  • Fraud: The buyer claims that they never participated in the transaction and that their account or card was stolen and used by a fraudster. Sellers who receive a fraud dispute from Cash App Pay are covered entirely by Cash App and owe no money for the dispute. They don't have to take any action to receive this coverage; however, this coverage doesn't apply to any other payment methods.

  • Non-fraud: The buyer acknowledges that they made the payment themselves but that the goods or services they purchased either weren’t delivered or satisfactory to what they thought they would receive. Cash App does not cover sellers who receive a non-fraud dispute from Cash App Pay. Sellers must follow the normal dispute process, wherein they can choose to challenge the dispute with evidence and, upon review of the dispute from either Cash App or the cardholder’s bank, either win or lose. This process is similar to how all other non-Cash App Pay disputes are handled.

Troubleshooting

In cases where your customer has trouble using Cash App Pay, here are some troubleshooting tips.

Unable to scan QR code

If a customer is having trouble with the QR code scanner in their Cash App, you can suggest they try the following:

  • Make sure both the mobile device and the app are up to date.
  • Turn the mobile device off and on again.
  • Force quit the app on the device and log back in.
  • Delete and reinstall Cash App.
  • Make sure the ability to scan QR codes on the mobile device is enabled.
  • Scan the QR code with a smartphone camera or third-party QR code scanning app.

Customer is logged out

Customers who attempt to use a third-party scanning app to scan a Cash App QR code while logged out of Cash App will need to log in and attempt the payment again.

Insufficient funds

If a customer makes a payment using Cash App but doesn’t have enough funds in their balance, Square will attempt to pull the entire payment from the customer’s linked debit card or bank account in their Cash App profile. If there is no linked payment source in their Cash App, the payment will decline.

Customer doesn’t have Cash App

Customers who haven’t downloaded Cash App to their mobile device can’t use the Cash App Pay feature until they do. When the customer scans the QR code, a link will open on their device and prompt them to download and sign up for Cash App.

FAQ

What is Cash App?

Cash App is the #1 financial app in the United States, allowing millions of people to send and receive money, bank, invest, and pay online and in-store. Customers can now use Cash App to pay on your Square Online site or at your Square Point of Sale.

What are the benefits of accepting Cash App payments?

By accepting Cash App payments, you’re providing additional payment flexibility to millions of Cash App users to reduce checkout friction and grow your sales — all while simplifying contactless in-person payments from your Square POS and online payments from your Square Online site.

Cash App payments are protected by Square’s managed payment platform, including end-to-end payment security and authentication, and dispute and chargeback management. Cash App takes on 100% of fraud liability. Additionally, Cash App is committed to helping your business grow. With new features consistently deploying, Cash App users will be able to discover and purchase from you more easily than ever.

What processing fees are associated with Cash App payments?

There’s no complicated pricing to process Cash App payments — just our standard transparent processing rate of 2.6% + 10¢ (for card-present transactions) or 2.9% + 30¢ (for card-not-present transactions). If you have a custom processing rate on your Square account, you’ll continue to process Cash App payments at that rate.

How do refunds work on Cash App payments?

Cash App Pay transactions originating from the stored balance in the app will be refunded to the customer’s Cash App account balance. Cash App Pay transactions originating from a linked debit card or bank account will be refunded to the original card or bank account.

How do I let my customers know they can pay with Cash App?

Consider sending your customers an email marketing campaign with Square Marketing, or post on your social media channels.

Is there an incentive for customers to pay with Cash App?

Through your online Square Dashboard, you can send a free promotional email campaign offering a 10% discount to your buyers if they pay using Cash App Pay at your business.

The 10% discount gives buyers up to $10 off per day on purchases of more than $1 and is valid December 1-31, 2021. The reward helps customers save while they shop. The reward is fully covered by Cash App and is automatically applied to the transaction after the customer scans the QR code, so it comes at no additional cost to your business or to customers. This promotion is offered as is. Cash App does not guarantee that your business will receive any additional revenue from this promotion.

To send a free Cash App Pay email campaign:

  1. Log in to your online Square Dashboard and click Marketing.
  2. Select Create Campaign and choose Email from the drop-down menu.
  3. Click the One-time tab from the Choose a campaign page, and select the Promote Cash App Pay offer campaign.
  4. From here, you can view the email template and customize your email campaign with your business information.
  5. Select the customers you want to contact from your Customer Directory, then click Next.
  6. Review your campaign details, then click Next to queue and send your free email campaign.

Once you send the promotional email campaign, all Cash App Pay transactions at your business will automatically have the 10% discount applied. Buyers do not need to show that they received the promotional email; they only need to scan the Cash App QR code at the point of sale to apply the discount.

Note: The reward can be used every day from December 1st to December 31st, 2021. The offer is valid for in-person transactions at your point of sale or for purchases through your Square Online site. A subscription to Square Marketing is not required in order to send this promotional email campaign.

Learn more about Cash App in the Cash App Support Center.

Customer Experience

Your customer experience with Cash App Pay is fast and simple. See how to complete your Cash App Pay transactions below.

Point of Sale experience

As a customer, to complete a Cash App payment for an in-person transaction at the point of sale:

  1. On your mobile device, log in to Cash App and tap the Payments ($) tab on your home screen.
  2. Tap the scan icon to open the QR scanner.
  3. Hold the scanner over the QR code to scan it.
  4. Follow the prompts to complete the transaction.

Desktop site experience

As a customer, to complete a Cash App payment for an online transaction on a desktop browser:

  1. Select Cash App Pay as your payment method during checkout to see your QR code.
  2. On your mobile device, log in to Cash App and tap the Payments ($) tab on your home screen.
  3. Tap the scan icon to open the QR scanner.
  4. Hold the scanner over the QR code to scan it. Your $Cashtag will then display on the site’s checkout screen.
  5. Select Place order on the site to complete the transaction.

Mobile site experience

As a customer, to complete a Cash App payment for an online transaction on a mobile browser:

  1. Select Cash App Pay as your payment method during checkout. You’ll be redirected to Cash App and your account will link automatically.
  2. Tap Continue. You’ll be redirected back to the website and your $Cashtag will display on the site’s checkout screen.
  3. Tap Place order on the site to complete the transaction.

If you don't have enough funds in your Cash App balance at the time of purchase, Cash App will automatically complete the payment using the alternative linked debit card or bank account in your Cash App profile. If there is no linked payment source in your Cash App profile, the payment will decline.

Can't find what you need?