What does merchant refund mean on Cash App?

When a merchant sends the money back to your Cash App account it is what the merchant refund on Cash App means. There can be several reasons for asking for a refund from the merchant. It can happen when the merchant automatically charges money from your account, you have enabled auto-pay or signed up for monthly subscriptions, you have mistakenly sent the wrong amount of money or you have sent the amount to the wrong person. Let us explain with an example, you have purchased 4 pairs of socks from amazon and 2 of them are in bad condition then returned the defective socks to Amazon but you didn't get a refund from the merchant. You can ask the merchant to send or refund the money back. If you have processed the payment through Cash App then you will get a Cash App merchant refund on Cash App. Cash App has some guidelines and policies about the Merchant Refund on Cash App which we will read in the next section.

Cash App merchant refund policy

Policies of Merchant refund in Cash App states whenever the merchant releases the payment it can take 10 business days for the Cash App to receive the refund. The Merchant refund on Cash App will reflect on your Cash App balance as soon as you receive payment. If you have any problem before 10 days then reach out to your merchant.

The time taken for the refund may vary. If the payment is made by Cash App the amount will be refunded in the wallet, if the payment is made by debit card or credit card then you will receive the payment back in your Cash App debit or credit card. Though there are other things to keep in mind too that you will read in the next sections. Now that we know about the Cash App merchant refund policy, Let us look at the steps to get your money back.

How to get money back from a merchant in a cash app?

Cash App payment can not be canceled after the completion and remember that you can not question Cash App. The only way to get the refund from the merchant is by asking the recipient to send it back to you. These are the steps to get the Merchant refund on Cash App:

  • Open the Cash App
  • Click on the Activity Tab on Cash App.
  • Click on Payment in question and then send Completed.
  • Go to Report an issue.
  • Select the Reason 
  • Tap on Next to complete your request.

It depends on the merchant, you will get the refund once the payment is processed from the recipient’s side. To avoid these issues in the future, remember to keep these points in mind:

  • Double-check the merchant’s name.
  • Send money to people you know.
  • Double check the phone number and email address.
  • Process payments to the businesses you are familiar with. 
  • Enter the correct amount you want to send.

How do I get my money back from the Cash App merchant?

We understand that you might be freaking out to find ways so that you can get your refund from the Cash App merchant but do not worry. You can use the Cash App to pay any merchant. There may be a case that you want a refund from the merchant as you return their product and request the refund. You can not question Cash App as this dispute is between you and the merchant but You can follow the steps in the above section to get your money back into your account. Many times, it can happen that the merchant has not processed the refund and you keep on checking your Cash App account. In this case contact and stay in touch with your merchant to know the details about the refund. And if you still face trouble then reach out to Cash App they will help solve your problem. In case the merchant refuses or denies the refund or takes more than 10 days then you can raise a Cash App Dispute as well by calling Cash App Customer Service. The Cash App customer support will investigate the matter and will try to settle the claim.

How long does a merchant refund take on Cash App?

If the payment was processed through the Cash App then you will receive the merchant refund instantly. If the payment was made by debit card then it can take 1-3 business days to get the merchant refund from Cash App back on the card and 3-5 days for a credit card. If your Cash App bank statement shows pending then your money will be refunded within 1-3 business days. Keep a check and if it gets delayed it is recommended to wait for one more day and you will see the Cash App will reflect your merchant refund on your account.

Why is my Cash App merchant refund missing?


If your Cash App account has received any Cash App refund from the merchant then it will surely reflect in your Cash App balance instantly. In the case of a credit card, it can take up to 5 business days to reflect the refunded amount. Cash App aims to return the user’s money as soon as it receives the fund. If you still face issues you can raise a Cash App Dispute regarding your missing fund. You can call the Cash App customer service number for a refund directly to get your issues resolved.


Cash App allows individuals to pay the merchant or businesses as well. It is the best online banking portal but like every good thing has its downside. Cash App also has them. You can not cancel the payment once processed in the Cash App. The only way to get your money back is to raise the request to the merchant to refund your money on the Cash App. Please keep note that Cash App is not responsible for the transactions and can only help you to get the Cash App refund from merchant.