Partnerships

Merchant Use Policy

Last update: May 14, 2024

By using Cash App Pay, Merchants and PSPs agree to be bound by the Cash App Pay Program Rules and this Cash App Pay Merchant Use Policy (“Policy”). This Policy outlines Transactions that we prohibit in connection with the use of Cash App Pay as well as restricted Transactions that we may permit subject to our prior written consent. This Policy applies to anyone using Cash App Pay, Cash App, or our services, and to any Transaction we are asked to process using Cash App Pay. We may, in our sole judgment and discretion, and for any reason, take any corrective action, including, but not limited to, blocking a Transaction and/or suspending or terminating access and use of Cash App Pay, if we believe a Merchant, PSP, Transaction, or series of Transactions violates this Policy or is otherwise illegal or fraudulent.

Capitalized terms in this Policy that are not defined shall have the meanings set forth in the Cash App Pay Program Rules. We may modify this Policy at any time by posting a revised version on our documentation site. By using Cash App Pay, you agree to the latest version of this Policy.

The categories of prohibited and restricted Transactions listed below are representative, but not exhaustive.

I. Prohibited Transactions

Except where prohibited by law, Transactions used for, or to facilitate the use of, related to, or to allow others to use CAP are prohibited:

Adult Content & ServicesActivity related to pornography, pornographic subscriptions, prostitution, pay-per view, adult live chat, escort or companionship services, or any other obscene materials (including literature, imagery, and other media); any product or service that promotes underage, non-consensual, or other illegal sexual themes.
Consumer SafetyAny goods or services that are dangerous, violent, or present an unreasonable risk to consumer safety (e.g., firearms, weapons, explosives, ammunition, and related accessories.)
Counterfeit and StolenActivity related to fraudulent, counterfeit brand name or designer products or services (e.g. knock-offs, imitations, bootlegs); goods or services that are illegal, illegally imported, exported, or stolen, including digital and virtual goods.
Drug ParaphernaliaActivity related to narcotics, controlled substances, substances that provide the same effect as an illegal drug (e.g., salvia, kratom), and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs. Activity related to pharmacies, pharmaceuticals, pseudo pharmacies (e.g., anti-aging pills, sexual stimulants, weight loss, diet, etc.) or supplements, including internet, mail order, or telephone order pharmacies or pharmacy referral services (where fulfillment of medication is performed with an internet or telephone consultation, absent a physical visit, including re-importation of pharmaceuticals from foreign countries.)
Deceptive Products & ServicesAny products or services that are fraudulent, deceptive, or designed to enable dishonest behavior (e.g., academic paper writing and test-taking services, hacking materials, devices for circumventing traffic rules.)
Discrimination & HarassmentActivity, content, or communications (oral or written) including anything that promotes violence, discrimination, or incites hatred against individuals or groups based on protected characteristics, is explicit, abusive, or hateful. This includes without limitation activities that defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal rights of others.
Financial ServicesAny activity related to providing financial services, including: money services businesses, predatory loans and lending, credit repair and debt relief services, credit protection or identity theft protection services, debt collection services, bail bonds, buyers or membership clubs, peer-to-peer transactions; cryptocurrency activities; broker dealer or registered investment activity; wire transfers or money orders; prepaid cards; gift cards.
High RiskActivity with elevated financial risk, legal liability, or violates card network rules or bank policies
IllegalActivity involving unlawful or illegal goods or services, including any federal or state law, statute, regulation, or ordinance. Activity related to bribes and corruption Activity that may be in violation of regulations administered by the United States Department of the Treasury’s Office of Foreign Asset Control (31 C.F.R. Parts 500-599).
Intellectual PropertyActivity that violates or infringes on another’s right of privacy, publicity, or intellectual property (patent, copyright, trademark, etc.)
MinorsActivity involving child endangerment, including anything that sexualizes minors or appeals to children but contains adult themes.
Network Marketing ProgramsActivity related to get-rich-quick schemes, multi-level marketing, pyramid schemes, and ponzi schemes.
Prior Written ConsentAny Transaction requiring prior written consent without obtaining proper consent.
Long Term Subscriptions and MembershipsActivity related to subscriptions or memberships in excess of one year (e.g. 2-year, 3-year, lifetime, etc.)
TobaccoActivity involving tobacco, e-cigs, and vaping.
InternationalActivity for or related to a business located outside of the 50 states of the United States or an international seller (i.e., a business without an operating entity in one of the 50 states of the United States and a U.S. domestic bank account.). This restriction does not apply to activity for or related to a business located on a U.S. military base, embassy, or consulate on foreign territory or in a U.S. territory or possession.

II. Restricted Transactions

Transactions used for, or to facilitate the use of, related to, or to allow others to use CAP for the following activity are restricted and only permitted with our prior written consent:

Alcoholic BeveragesActivity related to the sale of alcoholic beverages.
CannabisActivity related to cannabis, hemp, or other cannabis-related sales.
Charities & OrganizationsActivities related to charities, religious organizations, and other organizations to ensure legal and legitimate donations and fundraising.
Gambling & Sports BettingOnline gambling, betting, wagering, and fantasy sports, including any activity, whether or not legally defined as gambling, that involves an entry fee and prize(s), such as casino games, games of chance or skill, sports and prop betting, horse racing, lotteries, sweepstakes, and fantasy sports.
PrescriptionsPrescription drugs, medicines, and medical devices.
User-Generated ContentActivity related to user-generated content and live streaming user-generated content.