The agreement requires users to resolve disputes with Block through individual binding arbitration rather than through courts, and includes a 30-day opt-out window available by written notice after first accepting the terms.
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
This provision requires disputes to proceed through individual arbitration administered by AAA or JAMS rather than through civil litigation, and the accompanying class action waiver means users cannot participate in consolidated or class proceedings against Block. The 30-day opt-out window is operationally time-limited and requires affirmative written action by mail.
The updated terms change how Cash App Tag purchase fees are calculated and disclosed. Rather than a fixed $25 fee, the purchase price now ranges up to $250 and varies based on the specific tag selected and the customer's account type. The terms state that 'the specific fee amount is disclosed before you complete your Cash App Tag purchase,' meaning the final price appears at checkout. Additionally, the terms now extend Cash App Tag eligibility to Children using Sponsored Accounts, whereas the prior language explicitly prohibited Children from requesting, receiving, or using Tags in connection with Sponsored Accounts. You can review the specific fee before completing a purchase, and parents authorizing Sponsored Accounts should understand that their child may now access Cash App Tag functionality within the limitations set by the account sponsor.
View change record →The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →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 →Renamed from 'Mandatory Arbitration Clause' to 'Mandatory Individual Arbitration' and now includes explicit section references and disclosure language.
View full change record →Under this clause, users who do not opt out within 30 days of first accepting the terms are required to pursue any claims against Block individually through binding arbitration. The agreement requires this process for disputes that would otherwise be resolved in court, including claims related to account access, transactions, and fees.
How other platforms handle this
the arbitration provider, National Arbitration and Mediation ("NAM"), shall not accept or administer any demand for arbitration and shall administratively close any arbitration unless the Party bringing such demand for arbitration can certify in writing that the terms...were fully satisfied.
Neither you nor we may elect arbitration of any claims seeking only individualized relief asserted by you or us in small claims court, so long as the action remains in that court and is not removed or appealed de novo...
either party retains the right to bring an individual action in small claims court, if the claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis.
"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 Terms of Service
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Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
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This provision requires disputes to proceed through individual arbitration administered by AAA or JAMS rather than through civil litigation, and the accompanying class action waiver means users cannot participate in consolidated or class proceedings against Block. The 30-day opt-out window is operationally time-limited and requires affirmative written action by mail.
Under this clause, users who do not opt out within 30 days of first accepting the terms are required to pursue any claims against Block individually through binding arbitration. The agreement requires this process for disputes that would otherwise be resolved in court, including claims related to account access, transactions, and fees.
ConductAtlas has identified this type of provision across 205 platforms. See the full comparison.
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