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This analysis describes what Cash App's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
View change record →The updated terms eliminate the automatic fee waiver for Paper Money Deposits that applied when customers spent $500 or more in qualifying purchases or received $300 or more in qualifying deposits each month. Under the revised policy, all customers are now charged $1 per Paper Money Deposit transaction regardless of account activity level, effective June 29, 2026. This change removes a financial incentive that previously rewarded higher account engagement with fee relief. You can review your deposit patterns to determine whether the $1 per-deposit cost affects your use of this service.
View change record →The updated terms restructure tax obligations and add explicit authorization for the company to charge Indirect Taxes on purchases. Previously, the terms focused on Virtual Currency-specific tax responsibilities; the revised language applies tax obligations to all service use, including general purchases and use. The updated terms now explicitly state that the company may charge applicable sales, use, VAT, GST, and similar taxes as required by law, which users agree to pay. The terms also clarify that users are responsible for determining taxes, fees, and governmental charges on all transactions and reporting to relevant authorities. Additionally, the company adds language stating it may report certain tax information to governmental authorities and may request recertification of user information for tax reporting purposes. No specific opt-out or action mechanism is provided; the updated terms apply to all users subject to applicable law.
View change record →How other platforms handle this
These Terms are governed by the laws of the State of California, without regard to conflict of laws rules, and the proper venue for any disputes arising out of or relating to any of the same will be the arbitration venue set forth in Section 9, or if arbitration does not apply, then the state and fe...
In the EU and EEA, the choice of Texas governing law shall not apply only where a mandatory consumer protection law explicitly prohibits such choice of law provisions.
The laws of the State of California, without regard to conflict-of-law rules, govern this Agreement and any dispute between you and the Sony Entities.
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"These Cash App Terms and any Dispute will be governed by the Federal Arbitration Act, as set forth above, and by California law and/or applicable federal law, without regard to its choice of law or conflicts of law principles.Excerpt from Cash App's Terms of Service
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The clause states: “These Cash App Terms and any Dispute will be governed by the Federal Arbitration Act, as set forth above, and by California law and/or applicable federal law, without regard to its choice of law or conflicts of law principles.”
ConductAtlas has identified this type of provision across 272 platforms. See the full comparison.
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