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 provision establishes a procedural requirement that users review liability and dispute resolution terms before using Cash App. By directing attention to specific sections, the terms structure user awareness of limitations on Cash App's exposure to damages and mandatory arbitration procedures.
The updated terms establish new authorization rules for minors using Cash App through Sponsored Accounts. When a parent authorizes a Sponsored Account for a teen, the terms now state the parent expressly authorizes the teen to request, receive, activate, and use a Cash App Card and add it to a Cash App Tag without requiring additional parental approval for each action. The terms treat any such request or use by the teen as made at the parent's direction. For children under the teen category, the terms note the child may have limited or no independent ability to request or activate a Card or Tag. Cash App also introduces new fees for the Cash App Tag service: $25 for purchase and $15 for expedited shipping. You can review your Sponsored Account settings to understand what authorization scope you have granted.
View change record →The updated terms introduce a new stablecoin withdrawal feature that allows Cash App users to convert USD to stablecoins and send them to external blockchain addresses. Under the revised language, users do not acquire ownership or title to stablecoins; Cash App or its partners retain full control until delivery to the specified address. Critically, the terms state that withdrawals cannot be reversed or refunded once initiated on the blockchain, and sending assets to unsupported networks or incorrect addresses will result in permanent and irreversible loss of funds. Users are solely responsible for verifying accurate withdrawal instructions and compatible network addresses before initiating transfers.
View change record →The updated terms increase the Foreign Transaction Fee from 3% to 3.25% and narrow the circumstances under which this fee is waived. Previously, users who spent $500+ monthly or received $300+ in deposits waived the entire Foreign Transaction Fee. Under the revised terms, the fee waiver now applies only to card-present (in-person) transactions, meaning online and card-not-present international purchases remain subject to the fee without a waiver path. Users making qualifying purchases or deposits still receive fee waivers, but only for in-person international card transactions through the end of the following calendar month.
View change record →Users operating under these terms are subject to the liability limitations and arbitration procedures described in the referenced sections. The actual scope of the liability cap—including the 12-month fee limit mentioned in the provision title—would be detailed in Section XXIII.17, which this clause references.
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"Please note that you should review all Cash App Terms carefully, including those provisions which limit our liability (see Section XXIII.17) and those regarding individual arbitration for potential legal disputes (see Sections XXIII.19 and XXIII.20).— Excerpt from Cash App's Cash App Terms of Service
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The provision establishes a procedural requirement that users review liability and dispute resolution terms before using Cash App. By directing attention to specific sections, the terms structure user awareness of limitations on Cash App's exposure to damages and mandatory arbitration procedures.
Users operating under these terms are subject to the liability limitations and arbitration procedures described in the referenced sections. The actual scope of the liability cap—including the 12-month fee limit mentioned in the provision title—would be detailed in Section XXIII.17, which this clause references.
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