How Authorizations, Refunds, and Voided Payments Work in Cash App
Cash Card payments go through three distinct phases when they’re processed by merchants:
·
Temporary Authorization
·
Void
·
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:
·
Sign into https://cash.app from a desktop computer
·
Click Statements in the top-right corner
·
Click Export CSV
·
Check your Downloads folder
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:
·
Tap on the Activity tab on your Cash App home screen
·
Select the payment
·
Tap Completed
·
Tap Need Help?
·
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, report your Cash Card as stolen in the Cash App:
1. Tap the
Cash Card tab on your Cash App home screen
2. Tap the
image of your Cash Card
3. Tap Problem
With Card
4. Tap Card
Stolen
5. Confirm
with your PIN or Touch ID
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.
Pending
Cash Card Transactions
Cash Card payments go through distinct phases when they’re
processed by merchants and can appear as pending.
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