Cash App Business Terms
These terms apply to your use of a Cash App Business Account.
To learn more about our privacy practices, please see our Privacy Notice.
Last Updated: August 25, 2025
We’ve included annotations in the gray boxes below to emphasize certain portions of our terms and help guide you as you read them. The annotations aren’t summaries, are for convenience only, and have no interpretive value, so please take the time to read everything!
This page explains our terms for using a Cash App Business Account . By using this service you agree to these terms. If you use our services on behalf of a company, that company agrees to them too.
A “Cash App Business Account” allows a business entity or sole proprietor (each, a “Business Entity”) to create and manage a business account on Cash App to sell goods and services. These Cash App Business Terms (the “Cash App Business Terms”) constitute a legal agreement between the Business Entity named in the Cash App Business Account (the “Business”) and Block, Inc. (hereinafter, the “Company”, “we,” “our,” or “us”) and govern use of the Cash App Business Account and any related services, features, and functionality (collectively, the “Business Services”).
By creating a Cash App Business Account or using any of the Business Services you and the Business agree to be bound by: (1) the Cash App Business Terms; (2) the Cash App Terms of Service (“Cash App Terms”), including without limitation the Indemnity, No Warranties, Limitations of Liability and Damages, and Binding Arbitration sections, as applicable to the Business Services; and (3) the policies set forth in the Cash App Terms, including our Privacy Notice; (collectively, the “Terms”). In the event of a conflict between these Cash App Business Terms, on the one hand, and the Cash App Terms or any other agreement with the Company on the other hand, these Cash App Business Terms control, notwithstanding any provision in the Cash App Terms or other agreement to the contrary.
By creating a Cash App Business Account or using any of the Business Services you represent and warrant that: (1) you are an authorized representative of the Business, (2) you have the authority to bind the Business to the Terms, and (3) the Business agrees to bound and is bound by the Terms.
I. Business Services
1. Eligibility
You may be required to provide certain information about you and the Business in order to open a Cash App Business Account. We may, in our sole discretion, determine, limit, or modify: (1) the types of businesses and legal entities that are eligible for a Cash App Business Account, and (2) which Business Services are available to the Business. By opening a Cash App Business Account, you may lose access to certain Cash App features and may be forced to liquidate or transfer assets held as part of the Services other than Business Services.
2. Use of Business Services
In connection with its use of Business Services, the Business represents and warrants that:
the Business is duly authorized to do business in the United States;
if the Business is a business or legal entity, the Business is in good standing in the jurisdiction of its formation and shall continuously be in good standing in the jurisdiction of its formation;
if the Business is a charity or nonprofit (each, a “Nonprofit”), the Business is established as a nonprofit corporation or similar entity, has filed its organizational documents with the appropriate state authority as necessary, and is in good standing in the jurisdiction of formation and shall continuously be in good standing in the jurisdiction of formation;
the Business Services will only be used for business purposes and only within in the fifty states of the United States of America and the District of Columbia;
the Cash App Business Account has not been established primarily for personal, family, or household purposes; and
the Business Services will not be used for any personal, family, household or other non-commercial purpose.
For the avoidance of doubt, you and the Business will not use the following Services for commercial purposes: (1) Virtual Currency Services, (2) Remittance Service; (3) Sponsored Accounts; (4) Cash App Savings; (5) Free Overdraft Coverage; (6) Peer-to-Peer Service; (7) Cash App Card; (8) Cash App Investing; (9) Cash App Offers; (10) Cash App Local; (11) Mobile Check Capture Services; and (12) Pools.
3. Card Acceptance
Our service lets your business take major card brand payments from your customers. We aren’t a bank, and to make it work we partner with card brands and banks that help process card payments.
If your business takes a lot of payments, the card brands might require that you also enter into an agreement directly with them.
The Company is a payment facilitator that allows the Business to accept Cards (defined below) from customers for the payment for goods and services. We are not a bank. Our Business Services allow the Business to accept payments from any US-issued and most non-US issued credit, debit, prepaid, or gift cards (“Cards”) bearing the trademarks of American Express Travel Related Services Company, Inc. (“American Express”), DFS Services, LLC (“Discover”), Mastercard International Inc. (“Mastercard”) and Visa Inc. (“Visa”) (collectively, the “Networks”). The Business is not required to accept any card brand as a condition of using the Business Services. We may remove or add Cards that we accept at any time without prior notice.
In order to serve in this role, we must enter into agreements with Networks, processors and acquiring banks. The Networks require that any person or entity that signs up for a Cash App Business Account (a “Seller”) and processes more than Network-specified amounts of Cards sales enter into an agreement directly with the Company's acquiring banks. By accepting or otherwise agreeing to these Cash App Business Terms, the Business agrees to the terms and conditions of the applicable agreement between the Business and the acquiring bank(s) effective as of the date the Business processes such specified amounts or as otherwise required by the Company's acquiring banks. If the Business fails to agree to any agreement with an acquiring bank, we may suspend or terminate its Cash App Business Account. Similarly, if American Express considers the Business to be a high value customer, it may require that the Business maintain an agreement directly with American Express and designate the Company as its agent for American Express payments.
4. Authorization for Settlement of Proceeds and for the Company to Recover Funds
You authorize us to act as your agent for payment processing, which includes holding, receiving, and disbursing funds for your business. You also authorize us to recover funds from you when needed.
In connection with the Business Services, the Business authorizes us to act as its agent for the purposes of holding, receiving, and disbursing funds on its behalf. This authorization permits us to settle the proceeds of each payment the Business receives, less any applicable fees (“Proceeds”). These authorizations will remain in full force and effect until the later of closure or termination of the Cash App Business Account, or the disbursement of all funds held on behalf of the Business. Our receipt of transaction funds from the Business’s customer satisfies the customer’s obligations to make payment to the Business. We will remit to the Business the funds actually received by us on its behalf, less amounts owed to us, subject to any Chargebacks or unless otherwise required by law. In accepting this appointment as the Business’s limited payment collection agent, the Company assumes no liability for any of the Business’s acts or omissions.
The Business also directs and authorizes us, as its agent, to void, block, or otherwise prevent any transaction that we reasonably believe is likely to be reversed (or charged back) to protect the integrity of the system and reduce risk that a transaction may be reversed on (or charged back to) the Cash App Business Account.
By using the Business Services, the Business authorizes us to recover funds from you or the Business in accordance with these Cash App Business Terms, Recovery of Funds section of the Cash App Terms, any other agreement between you or the Business and us, and any other authorization that you or the Business may have provided us.
The Business will fully, completely, and timely satisfy its payment obligations to the Company, without offset or deduction and without asserting any defense to payment (including any defenses available at law, in equity, or otherwise against a customer or the Company).
5. Unsupported Industries
We can’t process payments for certain types of businesses or business activity, because of limitations from the card brands, our bank partners, or the law. A few types we won’t support for other business reasons.
Except where prohibited by law, you and the Business may not use the Business Services for the following businesses or business activities: (1) any illegal activity or goods, (2) paraphernalia that may be used for illegal activity (3) buyers or membership clubs, including dues associated with such clubs, (4) credit counseling or credit repair agencies, (5) credit protection or identity theft protection services, (6) direct marketing or subscription offers or services, (7) infomercial sales, (8) internet/mail order/telephone order pharmacies or pharmacy referral services (where fulfillment of medication is performed with an internet or telephone consultation, absent a physical visit, including re-importation of pharmaceuticals from foreign countries), (9) unauthorized multi-level marketing businesses, (10) inbound or outbound telemarketers, (11) prepaid phone cards or phone services, (12) rebate based businesses, (13) up-sell merchants, (14) bill payment services, (15) betting, including lottery tickets, sports related gambling, casino gaming chips, off-track betting, and wagers at races, (16) manual or automated cash disbursements, (17) prepaid cards, checks, insurance or other financial merchandise or services, (18) sales of money-orders or foreign currency, (19) wire transfer money orders, (20) high-risk products and services, including telemarketing sales, (21) automated fuel dispensers, (22) adult entertainment oriented products or services (in any medium, including internet, telephone, or printed material), (23) sales of (i) firearms, firearm parts or hardware, and ammunition; or (ii) weapons and other devices designed to cause physical injury (24) internet/mail order/telephone order of age restricted products (e.g., tobacco), (25) occult materials, (26) hate or harmful products, (27) escort services, (28) bankruptcy attorneys or collection agencies engaged in the collection of debt; (29) if you are a local, state, or federal government entity, (30) collecting funds for political contributions (including but not limited to campaign-related donations or funds to support the operations of a political action committee, political party, or candidate), or (31) taking donations if the Business is a Nonprofit that regularly does business in California or holds property for charitable purposes in California. In addition, you and the Business may not use the Business Services if the Business is connected in any way to any other business that conducts illegal activities, sells illegal goods, or facilitates the sale of illegal goods, for example, cannabis, even if you or the Business do not use the Business Services in relation to that specific business.
We may, in our sole discretion and without prior notice to you or the Business, prohibit the use of the Business Services in connection with other businesses or business activities.
6. Our Fees
We may charge a fee when your business receives a payment. We may need to change our fees from time to time, and we’ll let you know in advance when we do.
The Business will pay the applicable fees disclosed at creation or during use of the Business’s Cash App Business Account, or that may otherwise be provided to the Business from time to time (the “Fees”). You acknowledge that the Fees apply to the Business Services and not the Stored Balance Disclosures section of the Cash App Terms, to the extent of any conflict. All Fees are charged at the time we process a transaction and are deducted first from the transferred or collected funds, unless otherwise disclosed. To the extent that the Fees are calculated as a percentage of the transaction amount, then we will use banker’s rounding to round up or down to the penny, as applicable. Banker’s rounding rounds numbers ending in 5 to the nearest even integer. Subject to the Cash App Terms and these Cash App Business Terms, we reserve the right to change the Fees upon reasonable advance notice. Your Balances and all Fees, charges, and payments collected or paid through the Business Services are denominated in U.S. dollars.
7. Requests for Additional Information and Inspection
We may ask you for more information about you or your business. If you refuse, we might need to shut down your Cash App Business Account.
The Company may request additional information from you or the Business at any time. For example, the Company may ask for invoices from the Business’s suppliers, a government issued identification such as a passport or driver’s license, a business license, or other information. The Company may also ask for permission to inspect the Business’s business location. If you or the Business fail to comply with any of these requests, we may cancel, terminate or suspend access to your Cash App Business Account.
8. Cash App Business Account History
Your Cash App Business Account logs your business’s transactions processed with the Company. Your business is responsible for its own record-keeping, and if you think there’s a mistake or unauthorized activity, you should let us know immediately.
When a payment is made to the Cash App Business Account, it will be reflected in the Cash App Business Account’s Cash App activity feed. Summaries of Cash App Business activity, including monthly statements, are available through the app or on the Cash App website. Except as required by law, the Business is solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with its Cash App Business Account and use of the Business Services, and (b) reconciling all transactional information that is associated with its Cash App Business Account. If you believe that there is a mistake or unauthorized transaction activity is associated with your Business’s Cash App Business Account, you must contact us immediately.
9. Reserve for Holding Funds
If some aspect of your business is especially risky, we may need to withhold funds or require that your business set aside funds in a reserve to protect against losses. Your business gives us rights to draw from that reserve to collect funds your business owes us.
We may withhold funds by temporarily suspending or delaying payouts of Proceeds to the Business and/or designate an amount of funds that the Business must maintain in its Cash App Business Account or in a separate reserve account (a “Reserve”) to secure the performance of its obligations under any agreement between the Business and the Company. The Reserve may also be used to satisfy the Company’s obligations to hold or remit funds as required by any creditor or governmental authority, including levies, liens, or garnishments. We may require a Reserve for any reason related to the Business’s use of the Business Services. The Reserve will be in an amount as reasonably determined by us to cover potential losses to the Company. The Reserve may be raised, reduced or removed at any time by the Company, in its sole discretion, based on your payment history, a credit review, the amount of any arbitration award or court judgment against the Business in the Company’s favor, or otherwise as the Company or its processor may determine or require. If the Business does not have sufficient funds in its Reserve, we may fund the Reserve from any funding source associated with the Business’s Cash App Business Account, including any funds (a) transferred by the Business, (b) due to the Business, or (c) available in the Business’s bank account, or other payment instrument registered with us. The Business grants us a security interest in and lien on any and all funds held in any Reserve, and also authorizes us to make any withdrawals or debits from the Reserve or any bank account linked to its Cash App Business Account, without prior notice to the Business, to collect amounts that the Business owes us. The Business will execute any additional documentation required for us to create, perfect our security interest in any funds in the Reserve. This security interest survives for as long as we hold funds in the Reserve.
10. Cash App Business Account Balances
We safeguard merchant funds, including your business’s funds, in pooled bank accounts on your business’s and other merchants’ behalf. Your business does not earn interest on funds we hold for it.
The Business may have funds in its Cash App Business Account (its “Balance”). The Business’s Balance will be commingled and held with other participants’ funds in one or more pooled accounts at one or more banks by us on the Business’s behalf and for the benefit of the Business and others holding balances (each a “Pooled Account”). We have sole discretion over the establishment and maintenance of any Pooled Account. We will not voluntarily make funds available to our creditors in the event of bankruptcy or for any other purpose. The Business will not receive interest or any other earnings on any funds that we handle for the Business. As consideration for using the Business Services, the Business irrevocably assigns to us all rights and legal interests to any interest and/or other earnings that may accrue or are attributable to our holding of its Balance in a Pooled Account or Reserve.
11. Payment and Balance Funding
For each request to debit a Linked Account via its Cash App Business Account, the Business will ensure that such account has sufficient funds for the full amount of each such debit and that it shall not otherwise block or prevent execution of the debit. The Company is not obligated to provide the Business Services or otherwise process a payment on behalf of the Business until the Business has irrevocably provided good funds in the full amount of any payment owed, plus any applicable fees. The Business’s bank may charge non-sufficient funds or overdraft fees if the Business does not have sufficient funds to complete a transaction. The Business is solely responsible for maintaining an adequate balance in or associated with its Balance and any Linked Accounts to avoid any overdraft, nonsufficient funds (“NSF”), or similar fees. Any and all such fees are the Business’s sole responsibility. We reserve the right to report, suspend and/or terminate your and the Business’s use of the Business Services for chargeback abuse.
It may take more than 60 days for the Company to receive notice of the return or reversal of an ACH debit or other charge of one of the Business’s customer’s accounts and/or to exercise any rights granted or reserved under these Cash App Business Terms. The Business will at all times maintain sufficient funds in its Balance or Linked Account to satisfy all obligations to the Company in connection with these Cash App Business Terms or use of the Business Services, including returns, reversals, and associated fees.
II. Chargebacks
1. Your Liability for Chargebacks
Chargebacks happen when your business’s customers or cardholders dispute transactions. Your business is responsible for chargebacks to its account and for following our chargeback resolution processes.
There may be times when the Business’s customer may contest a Card transaction to the Cash App Business Account (for example when the customer is not the authorized user of the Card associated with a transaction). In these instances, the amount of a transaction may be reversed or charged back to the Cash App Business Account or Linked Account (a “Chargeback”) if the transaction (a) is disputed, (b) is reversed for any reason by the Network, our processor, or a customer or its financial institution, (c) was not authorized or we have any reason to believe that the transaction was not authorized, or (d) is allegedly unlawful, suspicious, or in violation of the Cash App Terms or these Cash App Business Terms. The Business will comply with the Chargeback process and assumes all liability associated with such Chargebacks.
2. Our Collection Rights for Chargebacks
If there are pending chargebacks, we may delay payouts to your business. If your business loses a chargeback, your business agrees to pay us the full amount plus any fees, and that we can debit your linked bank account to recover money you owe.
The Business authorizes us to recover from the Business the amount of any Chargeback and any associated fees, fines, or penalties or assessed by a Network or our processor, including by debiting a Linked Account. Further, if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to the Business until such time that (a) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds, (b) the period of time under applicable law or regulation by which the Business’s customer may dispute that the transaction has expired, or (c) we determine that a Chargeback on the transaction will not occur. If we are unable to recover funds related to a Chargeback for which the Business is liable, the Business agrees to pay us the full amount of the Chargeback immediately upon demand. The Business agrees to pay all costs and expenses, including attorneys’ fees and other legal expenses, incurred by us for the collection of all amounts unpaid by the Business.
3. Excessive Chargebacks
If your business has - or if we think it is likely to have - too many chargebacks we may add restrictions to its account.
If we believe the Business might incur, or the Business is incurring, an excessive amount of Chargebacks, we may establish additional conditions governing your Cash App Business Account, including (a) establishing new processing fees, (b) delaying payouts, (c) terminating or suspending the Business Services; or (d) creating a Reserve in an amount reasonably determined by us to cover anticipated Chargebacks and related fees.
4. Contesting Chargebacks
Chargebacks are time sensitive and can involve many parties (you, your bank, your customer, their bank, card brands, etc.), so we need your help to contest chargebacks quickly and diligently. If a chargeback doesn’t end in your favor, we have the right to collect the chargeback amount and any related fees from your account.
The Business will assist us when requested, at its expense, to investigate any of its transactions processed through the Business Services. To that end, the Business permits us to share information about a Chargeback with the customer, the customer’s financial institution, the Network, and the Business’s financial institution in order to investigate and/or mediate a Chargeback. We will request necessary information from the Business to contest the Chargeback. We may also use any Content uploaded through the Services to respond to Chargebacks on your behalf. If a Chargeback dispute is not resolved in the Business’s favor by the Network or issuing bank or the Business chooses not to contest the Chargeback, we may recover the Chargeback amount and any associated fees as described in these terms. The Business acknowledges that its failure to assist us in a timely manner when investigating a transaction, including providing necessary documentation within fifteen (15) days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to the Business, to charge a fee for mediating and/or investigating Chargeback disputes.
5. Chargebacks for Purchases
The Cash App Business Account can be used to purchase goods and services from other Sellers. Cash App Business Accounts may be identified by a badge, icon, or other insignia in Cash App. By initiating a payment transaction to another Cash App Business Account, the Business authorizes the other Cash App Business Account to charge the Business’s applicable Linked Account to complete the purchase and the Business consents to sharing information from such account with the Company. In the event you are entitled to a reversal, refund, Chargeback, or other adjustment associated with any purchase you made from a Cash App Business Account, you also authorize a credit to the applicable Linked Account to accomplish that transaction. Purchases from Cash App Business Accounts using your Linked Account will be processed by the Company as an agent for the recipient Cash App Business Accounts in accordance with your agreement with us.
III. Compliance with Network Rules and Laws
1. Restricted Use
Don’t resell or repurpose our services, or use us to process cash advances.
You and the Business will not act as a payment facilitator or otherwise resell any of the Business Services to any third party. You and the Business will not use the Business Services to handle, process or transmit funds for any third party. You and the Business also may not use the Business Services to process cash advances.
2. Unauthorized or Illegal Use
Don’t try to process illegal or unauthorized transactions. We might decline a transaction if we think it violates our terms or may harm your business, you, your customers, or us. You agree we can share your information with law enforcement to protect ourselves or our partners.
The Business will only accept payments for transactions that are allowed by applicable law. We may decide not to authorize or settle any transaction submitted to us if we believe that the transaction is in violation of these Cash App Business Terms or any other agreement with the Company, or that it exposes the Business, you, the Business’s customers, other Sellers, our processors or the Company to harm. Harm includes fraud and other criminal acts. If we suspect that the Business’s Cash App Business Account has been used for an unauthorized, illegal, or criminal purpose, you and the Business give us express authorization to share information about you, the Business, the Cash App Business Account, and any associated transactions with law enforcement and, as deemed necessary by the Company, our payment processing and financial institution partners, in accordance with applicable state, local, and federal laws and regulations governing such information sharing.
3. Applicable Network Rules
Your business will follow merchant rules published by the card brands, like Visa, Mastercard and American Express.
The Business will comply with all applicable by laws, rules, and regulations set forth by the Networks (“Network Rules”). The Networks amend their rules and regulations from time to time. The Company may be required to change these terms in connection with amendments to the Network Rules. Significant portions of the Network Rules are available to the public at https://visa.com, https://www.mastercard.com, and https://www.americanexpress.com/merchantopguide. In the event of inconsistency between a Network Rule and these Cash App Business Terms, and except as otherwise agreed between the Company and the Network, the Network Rule shall apply. You also agree to be bound by any applicable NACHA Rules.
4. Taxes
If your business processes payments at or above IRS reporting limits, we are required by law to report certain information to the IRS.
The Business is responsible for determining any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection with its use of the Business Services (“Taxes”). The Business is solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will we determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction processed using the Business Services. The Company specifically disclaims any liability for such Taxes. If in a given calendar year the Business uses the Business Services to process (i) more than the applicable reporting threshold according to the Internal Revenue Service (“IRS”) and (if applicable) state and local governments in gross amount of payments and/or (ii) more than the applicable number of payments threshold according to the IRS and/or state and local governments, the Company is required by law to report certain information about the Business and its use of the Business Services to the IRS, and if applicable, the relevant state tax authority. For purposes of determining whether the applicable IRS and, if applicable, state and local government reporting threshold has been met, the gross amount does not include any adjustments for credits, cash equivalents, discount amounts, fees, refunded amounts or any other amounts. Whether the Business reaches the applicable gross amount in payments or more than the applicable number of payments, this will be determined by looking at the taxpayer identification number (“TIN”) provided in connection with the Cash App Business Account.
For the avoidance of doubt, all sums payable by the Business to the Company under these Cash App Business Terms shall be paid free and clear of any deductions or withholdings whatsoever. Other than taxes that may be charged by the Company to the Business and remitted to the appropriate tax authorities on behalf of the Business, any deductions or withholdings that are required by law shall be borne by the Business and paid separately to the relevant taxation authority.
The Business may be asked to provide certain information used to assist the Company in complying with its obligations under the United States Internal Revenue Code and the applicable Treasury Regulations, or state and local governments. By providing the Company with this information the Business certifies that the information provided is true and accurately reflects use of the Business Services.
By accessing its Cash App Business Account or using the Business Services, the Business certifies that its use of Business Services is to receive payment(s) that are “reportable payment transactions” as defined in Treas. Reg. § 1.6050W–1(a)(3) and the associated applicable state and local regulations, including, but not limited to, the payments for goods and services.
5. Network Logos and Marks
Don’t abuse card brand logos and marks.
Use of Network logos and marks (“Network Marks”) is governed by the Network Rules. The Business will comply with these requirements. The Networks are the sole and exclusive owners of their respective Network Marks. The Business will not contest the ownership of the Network Marks, and any Network may prohibit the Business from using its Network Marks for any reason and at any time. The Company may require the Business to make modifications to its website or other advertising and signage in order to comply with Network Rules related to the Network Marks.
6. Failure to Comply with Network Rules
Complying with card brand rules helps us ensure your transactions are safe and secure. If your business fails to comply with the Network Rules it may result in fines or other losses to the Company. In addition to your other indemnification obligations, your business will indemnify us and reimburse us immediately for any fines or losses directly or indirectly caused by your, your business and your business’s agents’ actions.
Your Business’s failure to comply with the Network Rules may result in fines or other losses to the Company. In addition to your other indemnity obligations, including the Indemnity section of the Cash App Terms, the Business will indemnify us and reimburse us immediately for any fines or losses directly or indirectly caused by the Business’s or its agents’ actions.
IV. Your Additional Obligations
1. Account Security
The Business will keep its Cash App Business Account’s account credentials and the devices on which you or any of the Business’s agents access the Cash App Business Account secure and confidential at all times. The Business is solely responsible for the authenticity and accuracy of payment requests submitted via its Cash App Business Account by the Business and its agents and representatives. The Business shall ensure that only the person that opened the Cash App Business Account may submit payment requests via your Cash App Business Account. The Business is solely responsible for implementing security procedures designed to prevent any unauthorized access to its Cash App Business Account through any devices or technology systems under your or the Business’s agents’ control.
The Business agrees that the Company may treat any payment instructions initiated in its name via your Cash App Business Account as authorized and that it will be bound by any such transactions, whether or not authorized. In the event of a suspected unauthorized transaction, the Business will cooperate with us and to provide such information as we may reasonably request in connection with any discretionary investigation of such unauthorized transaction we may undertake at our discretion. The Business waives any right to interest on any amount refunded to the Business with respect to an unauthorized transaction.
The Business represents and warrants that the Company’s provision of the Business Services and that the Company’s procedures, including those relating to account credentials, are a commercially reasonable method of processing payment requests.
The Business agree and acknowledge that the Transaction Information and Disputes section of the Cash App Terms relating to errors does not apply to Business Services, and that the Business is solely responsible for unauthorized transactions, except as may be limited by law.
2. Receipts
Your business needs to offer a receipt for transactions greater than $15, and needs to request that customers sign for transactions greater than $25.
The Business will request that its customer personally sign for all transactions greater than $25 when its customer is present. The Business will make a written receipt available to its customers for any transaction greater than $15. The Business may give its customers the option to receive or decline a written receipt.
3. Receipts for 501(c)(3) Organizations
If the Business is a 501(c)(3) organization, the Business acknowledges that not all payments made to it may be eligible for classification as “tax deductible to the extent allowed by law,” and the Business assumes full responsibility for the classification of its transactions. The Company specifically disclaims any liability in this regard.
4. Customer Service
Your business is responsible for customer service for its goods and services. We provide customer service to your business for the Business Services.
The Business is solely responsible for all customer service policies and issues relating to its goods or services, including pricing, order fulfillment, cancellations or no shows by the Business or a customer, returns, refunds and adjustments, rebates, functionality and warranty, technical support, and feedback concerning experiences with the Business’s personnel, policies or processes. In performing customer service, the Business will always present itself as a separate entity from us. As between the Business and us, we are solely responsible for customer service issues relating to any Cash App Business Account, payment, Card processing, debiting or crediting.
The Company expressly disclaims all liability for the Business’s compliance with applicable laws and obligations related to its provision of the goods or services to its customers. This may include providing customer service, notification and handling of refunds or consumer complaints, provision of receipts, registering its legal entity, or other actions not related to the Business Services. The Business will indemnify the Company for any losses we incur based on the Business’s failure to properly describe or deliver goods or services or to comply with its legal or contractual obligations to its customers, in addition to its other indemnification obligations.
5. Refunds and Returns
Your business must show its customers its return or cancellation policy when they make their purchase. When issuing a refund, it must include taxes as well. Your business can process a refund up to 120 days from the day it accepted the payment. If your business gives a refund, but doesn’t have enough funds in its Cash App Business Account, we can initiate a refund from a linked bank account or recover the difference from you.
By accepting Card transactions through the Business Services, the Business will process returns of, and provide refunds and adjustments for, its goods or services through your Cash App Business Account in accordance with these Cash App Business Terms and Network Rules.
As required by Network Rules, the Business will disclose its return or cancellation policy to customers at the time of purchase. The amount of the refund or adjustment must include any associated taxes required to be refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the customer for postage that the customer paid to return merchandise. If the Business’s refund policy prohibits returns or is unsatisfactory to the customer, the Business may still receive a Chargeback relating to such sales and we may debit the amount of any return, refund, and adjustment to its Balance and any Linked Account pursuant to its authorization herein. The fees are also refunded by the Company, so the full purchase amount is always returned to your customer. The Company has no obligation to accept any returns of any goods or services on the Business’s behalf.
6. Additional Indemnity
Your business agrees to cover us if its use of our Business Services leads to us, or our processors, getting sued, fined, or investigated.
In addition to your other indemnity obligations, including the Indemnity section of the Cash App Terms, the Business will indemnify, defend, and hold us and our processors (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, Tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to any transaction submitted through the Business Services (including the accuracy of any content or product, service, or transaction information provided or any claim or dispute arising out of products or services offered or sold by the Business).
7. Additional Representations, Warranties, and Covenants
All transactions that your business processes through the Company must be real sales and cannot break any laws. If your customer has a dispute with the sale, your business will work directly with the customer to resolve the dispute.
As of execution and the date of each transaction processed through the Business Services, the Business represents, warrants and covenants to us that: (a) the transaction represents a bona fide sale; (b) the transaction accurately describes the goods or services provided to the customer; (c) the Business will fulfill all of its obligations to the customer and will resolve any dispute or complaint directly with the customer; (d) the Business and the transaction comply with all federal, state, and local laws, rules, and regulations applicable to the Business and the transaction, including any applicable tax, wage and hour, and tip laws and regulations; and (e) except in the ordinary course of business, the Business is not submitting a transaction that represents a sale to any principal, partner, proprietor, or owner of the Business.
The Business represents, warrants, and covenants (a) that it owns each Linked Account and that it is authorized to access and debit such accounts, (b) that it has the right to use the funds in each such account to fund a payment initiated via its Cash App Business Account, and (c) that no Linked Account will be subject to any lien, security interest, control agreement, or other limitation or restriction that may prevent access to the funds associated with such accounts.
V. Termination of Payment Services
1. Termination of Business Services
We can terminate or refuse the Business’s access to the Business Services at any time, for any reason as described in the Modification and Termination section of the Cash App Terms.
2. Payment Services Upon Closure of Your Cash for Business Account
Unless there’s an ongoing investigation, if the Cash App Business Account is closed, we’ll cancel pending transactions and pay out any funds left in the Business’s Cash App Business Account as described in Services Upon Closure of Account Section of the Cash App Terms.
3. Survival
The following sections will survive termination of these Cash App Business Terms, in addition to those that survive under Effect of Termination section in the Cash App Terms: I.4 (Authorization for Settlement of Proceeds and for the Company to Recover Funds), I.8 (Cash App Business Account History), I.9 (Reserve for Holding Funds), I.10 (Cash App Business Account Balances), II.1 (Liability for Chargebacks), II.2 (Our Collection Rights for Chargebacks), II.3 (Excessive Chargebacks), II.4 (Contesting Chargebacks), III.4 (Taxes), III.6 (Failure to Comply with Network Rules), IV.4 (Customer Service), and IV.6 (Additional Indemnity).
VI. Additional Terms
1. Force Majeure
The Company will not be liable for any losses, damages, or costs, nor delays in its performance or non-performance, to the extent arising from any event beyond the Company’s reasonable control, including, but not limited to, flood, extraordinary weather conditions, earthquake, or other act of god, fire, civil disorder, war, insurrection, riot, invasion, hostility (whether war is declared or not) or terrorism threat or act, labor dispute, accident, action of government, communications, telecommunication breakdown, power failure, or equipment or software malfunction, civil or government calamity, epidemic, pandemic, state, national or international health crisis.
2. Assignment
The Business may not assign or transfer any obligation or benefit under these Cash App Business Terms without the Company’s prior written consent. Any attempt to assign or transfer in violation of the previous sentence will be void in each instance. The Company may, without notice to the Business or the Business’s prior consent, freely assign and transfer these Cash App Business Terms, including any of its rights or obligations under hereunder. These Cash App Business Terms will be binding on, inure to the benefit of, and be enforceable by the parties and their permitted assigns.
3. Interpretation
All references in these Cash App Business Terms to any terms, agreements, or sections thereof are to those items as they may be amended, supplemented or replaced from time to time.