FAQ: Customer Identity Verification
Q: What is Cash App’s Customer Identity Verification (IDV) process?
A: To keep Cash App safe, customers who haven’t verified their identity on Cash App have limited access. To verify customers, we ask for their legal name, date of birth, and the last four digits of their Social Security Number (SSN). In some cases, we may also ask for the full SSN, residential address, unexpired government-issued photo ID, and/or income verification or source of funds.
See Why do I need to verify my Identity (ID Verification)?
Q: What is the difference between Verified and Unverified customers?
A: Customers who have not gone through the Identity Verification (IDV) process are considered unverified customers. Unverified customers can only spend from a linked debit card.
Q: What is the breakdown between Verified and Unverified customers?
A: Percentages vary, but less than one in ten Cash App Pay transactions are from unverified customers.
Q: Are there daily transaction limits per user?
A: Cash App accounts have weekly and monthly account outflow limits based on the identity verification status of Cash App customers. See the Cash App Account Limits page for more information.
Q: Does Cash App Pay work outside of the US?
A: Currently, Cash App Pay does not work outside the USA. Only US Cash App accounts are eligible to use Cash App Pay. Cash App determines eligibility when the customer scans the Cash App Pay QR code or the customer redirects to Cash App on mobile. If the Cash App account is not tagged as a US customer, the customer sees a declined message in the app and will not be able to continue the transaction.
The country tagged to a Cash App account is influenced by the following:
- Country on file with the Cash App account (customer can set their address)
- Country specified during IDV
- Country of the associated linked instrument (bank account or debit card)
