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Greatest Practices for Accepting Card Payments by Cash App


With each card payment you take, you and your customers are entering into an agreement. This means that if your customers dispute a payment, you may be held liable for the payment amount.

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By following these guidelines, you will reduce your chances of facing a payment dispute and be more prepared if you get one.

Card-current transaction

Purchases made when your customers and their payment cards are present are more likely to be disputed than payments made remotely. Follow the practices below to minimize the risk of disputes when making card-current transactions.

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Always insert or tap EMV card

EMV cards are more secure than traditional magistrate cards, so credit card companies have introduced rules to ensure vendors process chip cards correctly whenever possible.

For you as a seller, this means that the liability change has taken place. If you swipe a chip card instead of using a chip reader, you are automatically liable for any fraudulent transactions.

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If the card is physically present for a transaction, always place a chip or tap the card with a square contactless chip card reader. If it is not a chip card, swipe it through the reader.

Confirm Customer ID

When possible, ask your customer for a government-issued ID to confirm that they are the legitimate owners of the card being used.

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Always provide a receipt

A receipt is a record of the transaction for both you and your consumer. Having a receipt available can help a buyer remember what the fee was. In the event of a dispute, we may use a receipt to challenge the dispute with the customer’s bank.

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Card-not-current transaction

With ecommerce or virtual terminal payments, naturally, the customer does not have to be physically present. Since you cannot verify that the person making the transaction is a cardholder, we recommend taking the steps listed below to reduce the risk of payment disputes.

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Get card information

Ask the customer to provide the card number, name on the card, billing address, expiration date and CVV code on the back of the card.

Get delivery confirmation

If you are shipping a product, be sure to keep tracking information and delivery receipt. For large orders, signed confirmation of delivery is required.

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Get proof of service

If you provide a service, document that it was successfully provided. For example, you can ask your customer to review and sign a work order and keep it for your records.

The contracts

With Cash App Contracts, you have the ability to create and send contracts from your online Square Dashboard. The available contract templates are designed to be customized to your unique business needs – empowering you to establish clear agreements with your customers, secure digital signatures, and avoid potential payment disputes.

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Know your Customer

Get to know your customer before completing a major transaction. Verify your customer identity, billing address and business (if applicable) before processing high-ticket items or large orders. Do a Google search or ask for a government issued ID and match the name on the ID to the name on the payment card.

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Match Billing & Shipping Zip Code

If you are shipping an item, see if the billing and shipping zip codes match. If they do not, ask your customer why. Their answer should give practical meaning. If it does not, do not accept payment.

To learn more about accepting credit card payments, check out our seller community.

High payment

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Multiple transactions

If you are processing multiple transactions for one item at a time, get a signature for each individual payment. In the item description, clarify that the payment is “installment payment”. This ensures that you are on the same page as your customer and protects you if they ever claim that any transaction was unauthorized.

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Recurring Payments

If you have a recurring charge with the customer, obtain written cardholder permission from time to time for recurring services or goods. Be sure to include on the written agreement:

Transaction volume

Frequency of charges

How long is the cardholder’s permission?

Cardholder’s signature

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If you wish to refund a payment, always return the payment directly to the payment card. If you have to provide a refund via cash, check, or money order, be sure to get a signed agreement that your customer received a refund.

Your customer has never signed their statement to revoke the right to dispute a transaction with the card issuer. This is a card network violation and having one will affect your chances of winning a payment dispute. It is better to set expectations with your customer and ensure that they understand how transactions with your business occur.

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Large transaction

The per transaction limit for all Square merchants is $ 50,000.

If you want to accept individual transactions above $ 50,000 each, you must split the payment into several installments. Be sure to record the receipt number and the total deposit amount for each installment. For security, we may occasionally reach customers to confirm this information.

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Note: Merchants who process more than $ 100,000 annually will be asked to sign a commercial entity agreement, which will accept that the payments processed are associated with a commercial business.


Individual states have their own rules and laws regarding surcharges. Learn more about implementing surcharges with the cash app.

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Add your contact information

Add your phone number, address, website and social media page to your receipts. This will help the customer reach you directly, if something goes wrong with the sale, instead of filing a dispute with their bank.

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Add a refund or cancellation policy to your receipts.

Make your business name recognizable

Make sure the business name is recognizable on your receipt. This is the name that appears on your customers’ bank statement. If a customer sees an unfamiliar business name on their statement, they may be more willing to file a dispute.

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If you do not have a business name or your business name is longer than 35 characters, add a description of what you sell and your location on your business name. For example, if you are a taxi driver in San Antonio, write Taxi – San Antonio, TX.

Write a description of the goods or services you want to sell.

Provide accurate details of what you sold for each transaction. This can help to jog the customer’s memory and prevent contention.

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If it is not possible for your business to write a description for each transaction, then create an item library. Then, when you process the sale, select the goods or services sold and they will be added to the receipt.

Collect customer feedback

Use Cash App Feedback to collect comments from your customers about your purchase. If a customer has a problem with the sale, they can reach you directly with their digital receipt. You may be able to respond, issue a refund, or resolve the problem without entering the dispute process.

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Payment dispute

While following these guidelines may reduce the likelihood of a dispute, there is always a potential risk when accepting credit card payments. If a customer disputes a payment, the Cash App will represent you free of charge in the dispute process, and our team of experts will use their expertise to help you along the way. We also suggest that you familiarize yourself to protect yourself from scams and fraud.


Bottom Line:


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Cash App can be a mobile payment service, which is sq., Inc., Which allows users to transfer cash 1 to employ a portable app. As of February 18, 2018, the service recorded seven million active users. You probably know the cash app, even if you've never heard of it before. Formerly known as "Square Cash App”.