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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
Any dispute not subject to arbitration and not initiated in small claims court may be brought by either party in a court of competent jurisdiction in either the Superior Courts for the State of California...or in the United States District Court for the Northern District of California.
it shall be adjudicated exclusively by the state and federal courts located in San Francisco County, California.
The Parties will initiate any lawsuits in connection with this Agreement in Toronto, Ontario, Canada, and irrevocably attorn to the exclusive personal jurisdiction and venue of the courts sitting therein.
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"You agree that any judicial proceedings (other than small claims actions as discussed above) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts in the City of Oakland and County of Alameda, California, or federal court for the Northern District of California.Excerpt from Cash App's Terms of Service
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The clause states: “You agree that any judicial proceedings (other than small claims actions as discussed above) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts in the City of Oakland and County of Alameda, California, or federal court for the Northern District of …”
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