How to get money back on Cash app if scammed


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Although many people act in good faith, there are also many scammers and scammers. According to the US Federal Reserve, there were 2.8 million fraud reports across the country in 2021, with losses increasing 70% year-over-year to $5.8 billion.

As scammers continue to look for new ways to get their hands on consumers’ hard-earned money, financial institutions are fighting back by offering their customers ways to get that money back. Filing a dispute with their credit card companies is one way for consumers to get their money back. But what about Cash App? How do defrauded Cash App users get their money back?

Can you get a refund on the Cash app if it’s scammed?

One of the most popular mobile payment apps in the United States, Cash App offers basic fraud protection services. These services include canceling pending transactions, requesting refunds from the recipient of transactions, and finally disputing transactions if the recipient of the money does not refund.

How do I get a refund on pending transactions?

Cash App transactions usually occur instantly and users generally cannot cancel them, but they do have the option to do so before a transaction is complete in rare cases. If you think a pending transaction is fraudulent and want to try canceling it:

  1. Log in to the Cash app.
  2. Tap the clock icon in the upper right corner of the screen to view recent activity.
  3. Locate the transaction you believe to be fraudulent.
  4. Tap the fraudulent transaction.
  5. Look for a “Cancel” link. If there is no cancellation link, Cash App has already finalized the transaction. Click on the link if the option is available to cancel the transaction.

How do you get a refund on completed transactions?

Users have two options to get their money back from Cash App even if the transaction is already finalized. These options request a refund and report the scam to Cash App in an attempt to dispute the transaction.

Request a refund on the Cash app

Requesting a refund is the first course of action Cash App members should get their money back after the app completes a transaction. Do this:

  1. Log in to your Cash App account.
  2. Tap the clock icon in the upper right corner of the screen to view recent transactions.
  3. Locate the transaction in question.
  4. Tap the transaction.
  5. Tap on the “Refund” option.
  6. Press “OK”.

Cash App will send the refund request to the merchant after the process is complete. Cash App requires merchants to respond to refund requests within 10 days, but the decision whether or not to provide refunds based on such requests is solely with the merchant. Unfortunately, fraudsters are probably not willing to simply return the stolen money to their victims.

If they do not receive their money within 10 days, users must escalate the issue by disputing the transaction.

How do I report a Cash app scam and dispute the transaction?

Scammers are not known to return the money they have stolen unless they are forced to. Disputing a transaction is a way to compel a merchant to return the money you paid if they cannot prove that they provided the expected product or service.

Users should only file disputes after attempting to contact the merchant, requesting a refund through Cash App, and failing to obtain a resolution. If so, follow the steps below to report the scam and dispute the transaction:

  1. Log in to the Cash app.
  2. Tap the clock icon in the upper right corner of the screen to view recent account activity.
  3. Locate the fraudulent transaction and tap on it.
  4. Tap the icon that looks like three little dots.
  5. Tap on the “Need help and support with the Cash app” option.
  6. Tap on “Dispute transaction”.
  7. Complete all fields, answering all questions as accurately as possible to complete the dispute request.

Once you file the dispute, the Cash App team will investigate the claim. In many cases, the team sends the complaint to the Visa network for further investigation. Visa contacts the merchant on the other side of the transaction to request proof of the product or service promised and the product or service actually delivered.

After a thorough investigation, Visa will determine if the transaction was a legitimate payment for goods or services. If Visa determines that the user has not received the promised product or service, Cash App will issue a full refund to the user’s account.

How do I report a cash app scam to the government?

There are two common ways to report fraud to the government: through the Federal Trade Commission or IC3. Both agencies will need information to identify the victim and the scammer as well as details of the fraudulent transaction.

Reporting scams to the government has two key benefits:

  • Get help getting your money back. Fraud victims can get help getting their money back.
  • Help protect others. Reporting fraudsters to the government could cause the government to catch up with the scammers and stop them so they don’t prey on others.

What can be done to avoid cash app scams?

There are several things users can do to avoid Cash App scams. To stay safe from scammers, you must:

  • Avoid sending money to someone you don’t know.
  • Verify all information before sending money.
  • Avoid sending money to anyone who promises future products or services.
  • Check the other person’s profile before sending money to make sure it’s going to the right recipient.

Good to know

The Cash app includes optional security features such as fingerprint scans, face ID, and notifications. Users should take advantage of these features to reduce their risk of becoming victims of fraud.


It is common for victims of fraud to have questions about the activity itself and how they can get their money back. Here are the answers to some of the most frequently asked questions.
  • Will Cash App refund my money if I get scammed?
    • Yes, in most cases Cash App will refund money to victims of fraud. Fraudulent users must log into their Cash App accounts, locate the fraudulent transaction and notify the platform by filing a dispute.
  • What happens if I get scammed on Cash App?
    • What happens after a Cash App scam or otherwise depends on the victim. Although some victims come to terms with the loss, they don’t have to. Instead, they should follow the steps above to get their money back and report the scam to the proper authorities.
  • Can someone hack your Cash app with your email?
    • Cash App offers several security features to help protect your account, and it’s unlikely anyone can access an account without the account holder providing sensitive information. Cash App users should take advantage of enhanced security features such as face ID and fingerprint scans as well as push, email and SMS notifications, adding multiple layers of security to keep hackers out.

Information is accurate as of April 13, 2022.


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