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I Got Scammed On Cash App. Will They Refund The Money?

Last Updated Dec 29, 2022
I Got Scammed On Cash App. Will They Refund The Money?

Cash App is a payment app that allows users to transfer money between each other or businesses. This platform is available for users in the United States and the United Kingdom.

Cash App has checks for fraudulent activity prevention, but if a fraudulent transaction occurs, you may be able to receive a refund depending on the circumstances of the scam.

Read on to learn more about Cash App’s security measures and how to protect yourself from scammers!

Cash App User Protection

Cash App is a popular money transfer platform because it is easy to use and widely available. Payments made through Cash App are akin to paying for something with dollars and cents.

If you are scammed by a user on Cash App that is not flagged by the platform’s fraudulent activity protections, you should contact the platform to explain the situation, so they can determine if you can receive a refund on the transaction. 

Cash App’s fraud protection monitors user transactions. If the platform detects a potentially fraudulent charge, it will cancel it proactively, and a refund will be issued. 

If you determine a charge is a scam, and it is completed, users can contact Cash App support via phone, social media, or the platform once the charge has cleared your bank.

From there, Cash App staff can work to determine if the charge was fraudulent and if there are grounds to refund your money.

Because Cash App is not a bank or credit card, there is limited transaction protection. However, associated Cash Cards have FDIC backing, which is a good option for frequent app users.

Is Cash App Secure?

Aside from transaction monitoring, Cash App has other security measures to protect users from bad actors, scammers, and fraudulent activities and transactions.

These measures include:

  • Encryption of information entered and stored on Cash App, which means any third parties cannot access it
  • Cash App’s parent company, Block (formerly known as Square), maintains compliance with industry standards to protect data. 
  • CashApp requires users to sign in with passwords, PINs, and the biometric security features that are used by your device
  • Users can opt into notifications, so they are alerted when there is activity on their account

However, even the most vigilant Cash App user may be the victim of a scam. Read on for information about handling a scam directly with Cash App.

How to Request a Refund on Cash App

If you notice a potential scam transaction, there are a few steps you can take immediately to try to get a refund without involving Cash App.

To request a refund from a completed payment, you should first request a refund from the person you sent the money to by following these steps:

  1. Within your app, navigate to the activity tab on the home screen
  2. Select the payment you want to dispute
  3. Tap the three dots to expand the payment details and access options
  4. From the menu, select “Refund”
  5. Select OK from the menu that pops up

You can also easily request the amount of money you would like refunded from the other individual without completing the refund steps.

Note that because the platform operates like a cash transaction, once the money is gone from your account, it is at the other user’s discretion to issue you a refund. 

This is one reason that it is important to be very mindful about sending and receiving cash because users have limited protection once transactions have been cleared. 

Best Tips for Cash App User Security

In addition to the security measures that are in place on Cash App, users should follow these guidelines to protect themselves from scammers proactively:

  • Don’t store money on Cash App. Transfer it to your bank or debit card, as the app does not give users the protections that traditional banking institutions and products do
  • Make sure that you are exchanging money only with people that you know or that you can verify their identity 
  • Never share your Cash App email or password, especially with someone you don’t know
  • Be wary of Cash App sweepstakes. The platform will occasionally offer promos from their official social media accounts but won’t require any additional qualification activities
  • Don’t engage with offers that look too good to be true, such as a high return payment in the future in exchange for a small payment now
  • Be wary of unsolicited payments from strangers, as these may be linked to stolen cards and end up costing you money 

These tips will help ensure that your money remains in your hands or is sent only to someone you intend it for!

Conclusion

Cash App users should be cautious when using the app to send and receive money. The platform has security measures in place to help avoid the occurrence of fraudulent transactions.

If you are scammed on Cash App, you can request a refund from the platform, but the best protection for your money is to be vigilant before you find yourself a victim of a scam.