Cash App payments are usually instant—meaning the receiver sees the payment seconds after it has been sent.
So if someone doesn't accept your Cash App payment, it isn't always because the person hasn't seen the payment, but can also be because they don't simply want to accept the payment.
Don't consider the payment as lost just yet—it is still there and in this guide, I'll tell you exactly what happens if someone doesn't accept your Cash App payment.
Why Is Someone Not Accepting Your Cash App Payment?
Sending payments on Cash App is easy, but at times, due to some reasons, the payment isn't always accepted — resulting in a common issue on the platform — Cash App payment is completed but not received.
Thankfully, there are a couple of reasons to help you understand why someone won't accept your Cash App payment, which includes;
- The receiver might think the payment is a scam.
- Sending and receiving limits.
- Security concerns.
Sending and receiving limits are the most popular reason why someone can't accept a Cash App payment.
When you open a Cash App account, you'll only be able to
- Send up to $250 per 7 consecutive days.
- Receive up to $500 per 7 consecutive days.
- Hold a stored balance of $500 total.
If the person you're sending the payment to hasn't verified their identity on Cash App, they wouldn't be allowed to receive anything above these limits.
Another popular reason is security concerns — where users are scared of receiving payments from random people on Cash App. While Cash App is popular, it is, however, a good target for scammers.
What Happens If Someone Doesn't Accept Your Cash App Payment?
Cash App is a popular payment service with an aim to make money transfers even easier and secure users' financial accounts — which is why, verification, manual or advanced approval is necessary to complete most transactions.
With that said, if you send someone a payment through Cash App, the person will have up to 14 days to accept your payment. This period also applies to payment requests on Cash App.
In this case, the payment will be marked as "Pending."
When this period of 14 days passes without the receiver accepting your payment, the money will be refunded or sent back to your Cash App account.
However, if the receiver rejects your payment or Cash App doesn't process the payment due to some reason, you'll receive your funds right away.
Nonetheless, Cash App usually cancels payments if they are identified as fraudulent. In this case, the money will be sent to your Cash App account instantly or your linked bank account (within 1-3 business days if not instantly).
What To Do If Someone Doesn't Accept Your Cash App Payment
Usually, Cash App payments are instant and can't be canceled once it has been sent.
However, since the receiver hasn't yet accepted your Cash App payment, you'll see a cancel option next to the payment receipt (if applicable).
In this case, you should be able to cancel the Cash App payment since the receiver hasn't received it.
If you don't see the cancel option, you can wait up to 14 days after which your funds will be sent back to your Cash App account.
Nonetheless, here are a few things to do if someone doesn't accept your Cash App payment.
1. Contact The Receiver
Dialog is usually the best way to sort out an issue.
With that said, if you really want the payment to go through, you can contact the receiver to know their reason for rejecting the payment (if they did reject it).
They might want to receive the payment through another method, in this case, ask them to reject the payment so you can pay them through their preferred payment method.
If they didn't reject the payment, then Cash App, for some reason, didn't process it.
First start by asking them if they've verified their identity on Cash App, followed by whether they've linked their funding source correctly to the app.
Hopefully, you'll find a solution to help the receiver receive the payment.
2. File A Dispute
If you send a payment to someone and they are neither willing to accept the transaction, nor want to reject the payment, you can file a dispute for the transaction to get things solved.
To do so:
- Tap the Activity tab on your Cash App home screen.
- Select the transaction in question and tap the … in the top right corner of the screen.
- Select "Need Help & Cash App Support."
- Tap "Dispute this Transaction."
3. Contact Cash App Support
For most concerns with Cash App, the best solution is to contact customer support for assistance.
If both you and the receiver don't understand why the payment didn't go through, the best thing you can do is contact Cash App support to understand more about the issue.
If the transaction is flagged as fraudulent, they'll help you with the proper steps to take in order to complete the transaction.
How Do I Know If Someone Received My Cash App Payment?
Cash App keeps a record of all transactions — which allows users to easily understand the status of any transaction made through the app.
With that said, you can know if someone received your Cash App payment by navigating to the "Activity" feed of the app.
To know the status of your Cash App payment (if received or not):
- Open Cash App on your phone.
- Tap the clock-like icon at the bottom right corner of the app.
- You'll be taken to your "Activity" feed.
- From your activity feed, you can check the status of any transaction made through the app.
Frequently Asked Questions
What happens when Cash App payment is not accepted?
If someone doesn't accept your Cash App payment, the money will be refunded to your Cash App account instantly. However, if manual approval is required, it can take up to 14 days for the receiver to accept your funds. After this period, the funds will return to your Cash App account.
Why didn t the person receive my Cash App money?
If you sent a payment on Cash App and the receiver didn't receive it, the most likely explanation is that the payment was sent to a different phone number, email address, or $Cashtag.
Does Cash App refund money if not accepted?
Yes, Cash App will refund your money if it is not accepted by the receiver. However, if the receiver receives the money, the only way to get it back is to ask the receiver to refund the money.
Can someone decline a Cash App payment?
Yes, someone can decline a Cash App payment. They can even go further by refunding the money if they received it.
Can you cancel a pending payment on Cash App?
You can only cancel a pending payment on Cash App if it displays a cancel option next to the transaction.
Final Thoughts
Cash App is a popular P2P payment service that has made financial transactions even easier.
It facilitates money transfers by making them easy, quick, secure, and convenient.
When you send a payment through Cash App, the receiver usually receives it instantly, and if there's something required, it should be a manual approval from them.
If you sent someone a payment, but they didn't accept it, the money will be sent back to your Cash App account either instantly or after a period of 14 days.