Do you have to receive the Cash App funds back into your account? Getting money back on the app is sometimes easier said than done. After all, the application is designed as a peer-to-peer transaction service for quick and easy payments. With so many daily transactions and often little proof of their validity, it can be hard to dispute a payment and win the case. In the best-case scenario, the recipient is on your side and wants to get you the funds back. In the worst, you were scammed or accidentally delivered the money to the wrong account. However, you’re not without help. We will teach you how to retrieve Cash App funds and with some luck, you’ll see them return. Let’s begin.
Common reasons users need their Cash App money returned
Here are some causes of Cash App users needing their funds back:
- They it to the wrong person. People on Cash App forward digital cash to the wrong contact. Thus, they may want the money back.
- They were scammed. Like any financial platform, Cash App is vulnerable to people looking to scam others out of money. If that succeeds, the platform represents an (unreliable, to be fair) line of defense.
- Users paid for a product or a service but want a refund. In the world of online shopping and an Internet marketplace, users frequently change their minds, find a discount, or notice a flaw in a product in service. They rightly want the amount they paid back.
- The payment was voided. If a Cash App account closes during or after a transaction goes through, or the transaction gets flagged for some reason, payment can be voided, making people want to retrieve their money.
When can I get the money back on Cash App?
We hinted at typical situations, but you can get your money back on Cash App back in these conditions:
- If a recipient agrees to return the money. When you send a cash request and the person that got the cash approves it and enters the amount, you can get the money in your currency back.
- When money leaves the authorized hold. An authorized hold is something gas stations, hotels, or merchants do to keep the money on a Cash Card in limbo until the payment is approved or rejected. This typically lasts 10 business days and acts as a deposit when the exact due amount is unknown upfront.
- When the merchant approves a refund. If you paid a merchant via Cash App and you want a refund, the money can be retrieved within roughly 10 business days. If not, you can reach out to Cash Support.
- If Cash App confirms you were scammed. Although hard to prove, Cash Support can help restore the scammed money from your account.
- When the transaction was void. If a Cash App payment becomes invalid, you can get the funds returned.
Note. Cash App provides nearly instantaneous transactions, making fraud detection and refunds difficult. Unless the money receiver is willing to cooperate or you have conclusive proof of malpractice, the retrieval chances are low.
1. Instructions to request the money on Cash App and accept a payment
If you’re quick enough, you may get the money back by going to the Activity tab, then selecting Cancel next to the Cash App transaction. Otherwise, to get the Cash App funds you sent to another user, you must request them like this:
- Open the Cash App application on Android or iOS.
- Tap the dollar sign ($).
- Type the amount you’d like to get back.
- Select the Request option in the bottom left corner of the home screen.
- Enter the person’s phone number, email address, or £Cashtag.
- Optional. Type a reason for a request. This is useful for accounting purposes or if you think you’ll need Cash Support.
- Select the Request button. Wait up to two weeks since the recipient has 14 days to either agree or reject your ask. Here’s how money requests on Cash App work:
- If nothing happens, the request expires and you can send it again or reach out to Cash Support.
- When the money recipient agrees, the Cash App refund is instantaneous if that’s how you paid.
- If the person or merchant declines, you can retry or get in touch with Cash Support.
Note. If the recipient is willing, they can open their Cash App and tap on Activity on the home screen. After selecting your payment in their history, they can choose the icon with three dots, then go to Refund -> OK to return your money.
2. Demand a Cash App money transfer cancellation from a merchant
If you feel like you’ve been wrongly charged or accidentally send money to the wrong merchant on Cash App, cancel the pending transaction this way:
- Go to the Activity tab in Cash App.
- Select the money transfer and choose Completed.
- Tap the Need Help? option.
- Select Call Merchant.
- Reach out to the receiver via the provided contact details.
If the merchant agrees, the money will be back in your account between a few minutes and 10 business days.
3. How to retrieve your Cash App funds by submitting a dispute
Cash App offers a money dispute feature users can utilize to retrieve their money within the app like this:
- Open Cash App on your Android device or iPhone or iPad.
- Go to the Activity tab on the home screen of the app.
- Go through your transaction history and find the problematic money transfer(s).
- Tap the three-dot icon in the upper right corner.
- Go to Need Help & Cash App Support.
- Select the Dispute this Transaction.
- Explain the circumstances and submit a request. The team will look into your claim and ask the recipient about the situation. You’ll receive updates and a resolution via email for your Cash App account.
Which Cash App transactions can I dispute?
Since the money transfer service isn’t responsible for many users’ faults, you can only dispute an “unusual” payment. Here are some examples of transactions that can be disputed on Cash App:
- A transaction the merchant agreed to refund after Cash App reached out.
- A clear mistake, such as a wrongly charged price or a double transaction for a single transfer.
- Fraudulent transactions. Typically classified as a transfer you had no part in. For example, when you had to recover your Cash App account because of compromisation with unauthorized access. Or, if someone stole your bank card or Cash Card or you lost it.
- A scam. Very hard to prove, especially if users willingly send cash. Only possible with solid evidence and some luck on the users’ part.
4. Contact Cash Support to restore your funds
Your last line of defense after you lose money is to reach out to Cash Support in these ways:
- Live chat in the app. Select your profile icon in the upper right corner. Then:
- Go to Support in the list.
- Tap on Start a Chat at the bottom.
- Explain your situation and await a response.
- Social media. Cash App is available on Facebook (@SquareCash), Instagram and Twitter (@CashApp, and @CashSupport for Twitter only), and Reddit (/u/CashAppAndi)
- Phone call. Dial 1 (800) 969-1940 in the United States from 9 AM to 7 PM EST between Monday and Friday.
What to do after Cash App manages to retrieve your funds
You can do one of two things after you retrieve your Cash App funds:
- Send the funds to another Cash App user. The fastest way to preserve money is to send it to someone you trust. They become available immediately.
- Withdraw the funds. Send the money to linked payment methods, such as a bank account or Cash Card. The fee depends on the method and the speed, from free to 0.5%-1.75% of the transaction, depending if it’s Instant or Standard (1-3 business days).