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How Authorizations, Refunds, and Voided Payments Work in Cash App

Cash Card payments go through three distinct phases when they’re processed by merchants:

  1. Temporary Authorization
  2. Void
  3. Capture

Temporary Authorizations and Payment Holds

Merchants like hotels and gas stations may put a temporary hold on Cash Card payments that show up in your transaction activity. Funds will be automatically returned to your Cash App when the hold is released. This usually happens within 10 business days.

Gas stations may also charge your Cash Card a temporary authorization hold of up to $100. The cost of your gas will be charged later as a separate transaction that releases the authorization hold. To avoid this issue, pay for the amount of gas you’d like at the register before you pump.

When a merchant refunds a transaction it can take up to 10 business days for Cash App to receive the refund. As soon as Cash App receives the refund, the funds will automatically appear in your Cash App balance.

Please reach out directly to the merchant if you have any questions before the 10 business days have passed.

To view your Cash Card transaction history in a format (CSV) that can you can send to a merchant:

  1. Log into your Cash App account at cash.app/account
  2. On the left, click Activity
  3. Click the CSV button to the right of the search bar to download a report of your history

If the refund does not appear within 10 business days of reaching out to the merchant, please reach out to the merchant again to confirm before contacting Cash Support.

Voided Payments & Negative Balances

Merchants may refund or cancel a payment to later charge your account for a different amount.

Here are some common reasons payments are voided and captured later:

  • A restaurant may put a temporary hold on your account when you ask for the check, then process it later with the tip included
  • Pre-authorizations at gas stations
  • Hotel reservations
  • Online retailers may put a temporary hold or charge on your account when you place an order, then complete the charge when they ship your items.

If there aren't enough funds in your Cash App to cover the late charge or the added tip, your balance could go into the negative.

Security, Unauthorized Payments, and Disputes

If you notice a Cash Card payment you did not authorize we recommend contacting the merchant immediately to cancel the pending transaction.

Select merchants’ contact information is available in Cash App. To find it:

  1. Tap on the Activity tab on your Cash App home screen
  2. Select the payment
  3. Tap Completed
  4. Tap Need Help?
  5. Tap Call Merchant

Once canceled, it can take up to 10 business days for Cash App to receive the refund. If you have any questions before 10 business days have passed, please contact the merchant directly.

For best practices on staying safe and avoiding scams on Cash App click here.

If you need to prevent further fraudulent Cash Card transactions, follow the steps in the Temporarily Lock my Card article.

To dispute a recent Cash Card purchase, first reach out to the merchant to have them attempt to refund the payment.

If the refund does not appear within 10 business days of reaching out to the merchant, please reach out to the merchant again to confirm before contacting Cash Support.

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