What Happens If Someone Doesn’t Accept Your Cash App Payment

When you send someone money for the very first time on Cash App, the recipient must accept the payment for it to go through. After the first acceptance, however, every subsequent payment you make will go through without any need for any approval.

There’s a scenario that most people never care to consider: if someone decides not to accept your Cash App payment. I’ve lived on this planet for dozens of years and I’m yet to see someone decline a payment sent to them. If most other people have shared the same experience, I can understand why you don’t know what happens if someone doesn’t accept your Cash App payment.

However, there’s no excuse for being ignorant. That’s why I researched what would happen if someone declines or doesn’t accept your Cash App payment over a prolonged period. If you also want to know, you may want to continue reading this article.

How to Receive Money on Cash App for the First Time

When someone sends you money on Cash App for the first time, you may notice that the money doesn’t arrive in your Cash App balance as soon as it’s sent. Instead, you’ll have to accept the transfer, after which the money will instantly show up in your account.

Accepting a money transfer on Cash App is necessary to avoid unsolicited transfers from scammers who may be looking for an account to dump a huge sum of money associated with a scam. If you don’t want any legal trouble, you may want to reject any transfer of a huge amount of money that you never asked for.

However, it’s also crucial to note that a recipient will only have to accept payment from you once. If you’ve sent them money at least once before, they won’t need to accept a transfer from you if you happen to send them money in the future.

If you receive money that wasn’t meant for you, the sender can request a refund from you. However, it’s up to you to decide if you want to return the money to them or not. It’s always better to return money that isn’t meant for you, because as they say, what goes around will eventually come around. 

Does Someone Have to Accept Your Cash App Payment?

Another question that flies around is if a recipient of a Cash App transaction has to accept the payment to complete the transaction. Technically, no, but the answer has more to it than just a yes or no answer, as the preceding section hints.

If you’re sending money to the person for the very first time, they do have to accept the payment before it will show up in their balance. Before they accept the payment, however, it will keep showing up in your Activity tab as a pending payment that you can reverse.

You should note that everything in the paragraph above only applies to regular Cash App to Cash App payments. If you’re paying at a store using Cash App Pay, they don’t have to accept the payment even if you’re purchasing from the store for the first time.

On the other hand, if you’ve sent money to someone before, they don’t have to accept the payment for it to show up on their Cash App balance. After you send money to someone, you’ll automatically get added to a whitelist that will make it unnecessary for them to accept your payment.

What Happens If Someone Doesn’t Accept Your Cash App Payment?

As explained earlier, the recipient of a Cash App payment must accept it before the transfer can be complete if it’s a first-time sender. A missing part of that section, however, is about what happens if someone doesn’t accept your Cash App payment. Since most payments are accepted anyway, it’s really hard to know.

According to information from Cash App’s website, the recipient of a Cash App transfer has about 14 days to accept or decline it. If they take no action within that timeframe, the money will automatically revert to your account.

If you mistakenly sent money to someone, there’s a way to know if they’ve accepted it. Checking the Activity tab to see if the money is in the pending tab is the best way to determine if they’ve accepted the payment. If they’ve accepted it, you should see it in “completed,” while it will be in pending otherwise.

Before sending money to anyone via Cash App, ensure it’s someone you know personally. If you sent money for a product or service you haven’t received, there’s a very good chance that you’re never going to receive it. So, if someone keeps bugging you to pay using Cash App before they offer a service, they’re likely trying to scam you. 

Will Cash App Refund Money If Scammed?

When you send money to a scammer, hoping they won’t accept the transfer is probably not going to work. Unless they’re unable to access their account as soon as you send the money, they’re most probably going to accept it.

Also, Cash App will not refund your money if you get scammed on the app. You’re 100% accountable for your money on Cash App, and sending money to a scammer will see you losing the entirety of the money. To avoid such unfortunate stories, consider confirming a $Cashtag or email before sending money to anyone.

READ MORE: Cash app payment completed but not received: Here’s the fix

READ MORE: Cash App Won’t Let Me Send Money For My Protection


One of the biggest mysteries of Cash App is what happens to Cash App transfers when recipients refuse to accept them. To stop being in the dark, I dug into pages of Cash App support documents to find out exactly what happens to those funds.

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