Can I pay with Cash App without my card?

Interested in letting customers check out with Cash App Pay? Reach out to to get started.

Cash App Pay allows Cash App customers to pay Square Sellers and select third party merchants by scanning a simple QR code. Available for use with both In-Person and Online Merchants, this contactless payment method is fast, easy, and simple. To see an example of a Square Online Seller offering the Cash App Pay feature, check out our very own Cash by Cash App store. At this time, Cash App Pay transactions are not included on a customer's Cash App account statement, but will display in a customer's Activity feed. Boosts are not applicable to Cash App Pay transactions.

How to pay Square Sellers or select third party merchants using the Cash App QR scanner

  1. Tap the Payments ‘$’ tab on your Cash App to get to the home screen
  2. Tap the QR Scanner on the top left corner of the screen
  3. Scan the QR Code at the Square Sellers point of sale
  4. Follow the Steps

How to use Cash App Pay online

  1. Select Cash App Pay as your payment method during checkout
  2. Hold your camera over the QR code generated on your desktop to scan it
  3. Follow the prompts

Where do Cash App Pay funds come from?

Customers are not required to have a linked bank account to use Cash App Pay. Funds for payment come from a customer's Cash App balance. If there are insufficient funds in the Cash App balance, a customer's linked debit card will instead fund the entire purchase. Certain Cash App Pay transactions allow customers to top up their Cash App balance during a transaction to ensure there are sufficient funds in balance to complete a transaction. If there are no linked payment sources and the Cash App balance doesn't cover the cost of the transaction, the payment will be declined.

How to request a Cash App Pay Refund

Customers seeking a refund for their Cash App Pay payment must request a refund from the merchant directly. Should the merchant refund the transaction, it can take up to 10 business days for Cash App to receive the refund. As soon as Cash App receives the refund, the funds will automatically appear in your Cash App balance or linked debit card.

If you have any questions before 14 days have passed, please reach out directly to the merchant. If the refund does not appear within 14 days, please reach out to us.

Still Need Help?

Our customer support is here to help.

Contact Support

Something Else

Thanks to technology, people’s daily lives have been easier when making purchases. One of them is to be able to pay with the Cash App in-store without a card for everyone’s convenience.

Cash App is one of the best payment applications currently available in the United States market. Making purchases is easier, faster, and safer. You don’t need to have your physical wallet with you, and you need to carry your cell phone.

To pay in a store without a card, you must use Cash App store $Cashtag, so you will not have contact in the store using your own Cash App account. Be aware that not all stores accept this payment method.

The Cash App aims to facilitate cardless and contactless purchases in the store. Activating the app is easy with email, phone number, or store name. There are two ways to pay in-store with the app:

With QR code

If you prefer to leave home to select your products or make the purchase yourself, you can do it without carrying your wallet; it will be enough with your cell phone. Please note that not all stores support Cash App QR codes.

It is advisable to look for the QR code image of Square or Cash App at the entrance door, at the counter, at the cash register, or ask directly to a salesperson in the store if they support QR codes for the application.

  • Request the Cash App QR code.
  • In the upper left corner of the screen, tap QR Scanner.
  • Scan the QR code in the app.

Send money

If the store displays your $cashtag, you can enter your $cashtag to pay. You will only need to confirm the purchase with the Cash PIN and complete the transaction. You will also need to have a Cash App account set up to receive payments.

  • Log in to the Cash App on your mobile device.
  • Enter the purchase amount.
  • Click the PAY button.
  • Enter the Cash App email address and phone number.
  • Describe the concept of the payment.
  • Click the PAY button one more time.
  • Click BACK to redirect to the home page.
  • Click the ACTIVITY button to view the payment so that the store can verify that the payment has been made correctly.

Which stores accept Cash App

Retail stores have opened the way for users to pay with Cash App without a card. The most important thing is to add a United States bank account to make the payment. Just log in with your username and password from the bank’s website.

Any store that accepts Visa is eligible to pay with Cash App. The Visa debit card allows you to use your balance from the app to purchase any goods or services, including shopping at any store.

Target Store also allows you to pay with the app, and the best part is that it is not limited to Walmart, Forever 21, Lululemon, and Foot Locker, among others. Cash App users will be able to use the virtual wallet at most stores that accept this payment method.

Connect your bank account to Cash App

One of the conditions to pay with Cash App in a store without a card is to have an affiliated bank account because that is where you will get the money. The steps to connect the application to your account are very simple:

  • Log in to Cash App.
  • Press the profile icon on the home screen.
  • Choose the Link Bank section.
  • Now follow the instructions until you complete the goal.

Once the account is connected, you will have the option to add a credit or debit card. After completing the above steps, you can click on Add Credit Card. You must enter the card number and click on Add card; finish by clicking Done.

If, for some reason, you are unable to link the bank account to the Cash App, try the following:

  • Log in to the application.
  • Go to the Balance section.
  • Click on Cash Withdrawal and select the amount you want to withdraw.
  • Choose the Standard option (1-3 business days).
  • In the search field, type “cash app.”
  • Select Add Manually.
  • Enter your bank account number and routing.

If these single steps also fail to connect the account, it is recommended to contact the app’s customer service.

Advantages of using Cash App

Cash App is more than just an application that makes it easy to pay for a purchase without a card. There are no basic service charges for using this application. It does not charge monthly fees for sending or receiving, inactivity, or international transactions.

Stores that accept this type of platform understand the security it offers when receiving payments from users. Thanks to its leading-edge technology that includes fraud detection, it is efficient, so money is always safe.

It is a service based on the same protocol used by credit card companies. That means that payments are encrypted from one end to the other.

Was this Content Helpful?

YesNo

Can I pay with Cash App on my phone?

Note: Cash App Pay is currently available for businesses processing payments on Square Register, Square Stand, Square Terminal, Square Online, Square Appointments , Square for Retail and the Square Point of Sale app for iOS and Android devices.