How to Use and Pay With Cash App Without a Card in 2023

Written By Branson Knowles

Cash App is one of the most popular peer-to-peer (P2P) transfer apps around. It’s more than a transfer app too, as Cash App has integrated payment features into its app that gives its customers the ability to use Cash App as a payment method at accepting vendors. 

If you don’t have the Cash Card, or don’t want to use it, no worries!

There are two simple ways to pay with Cash App without using a card. 

You can pay with Cash App without a card by scanning the seller’s QR code. You can also pay without a Cash Card by selecting Cash App as the payment method during checkout. Again, this is only for vendors who accept Cash App.

How to Pay with Cash App Without a Card Using a QR Code 

Cash App has made transferring money to friends and family easier than ever with its $cashtags. To pay vendors however, Cash App recommends using its QR code feature. 

To pay with Cash App in-store without a card, search for or ask for the Cash App QR code. Next, tap the “QR Scanner” on the top left corner of the Cash App screen and scan the QR Code at the point of sale.

If you’re looking for a breakdown of the popular payment app, let me give you a step-by-step process as to how to pay with Cash App using a QR code:

1. Open up Cash App

I’ll start out with the easiest step; find the app for Cash App on your phone and open it up.

2. Click the Dollar Sign

There are five icons on Cash App on the bottom of the screen: a home icon taking you to the home screen, a card icon taking you to the Cash Card portion of the app, a dollar sign to initiate or receive payments, a magnifying glass to search for other users, and finally a clock representing your recent activity.

cash app dashboard

 Click on the dollar sign to complete the second step.

3. Click the Open Square

In the upper left hand side of the screen there is an open square looking logo. Clicking that will open up your device’s camera, allowing you to scan for a QR code.

cash app open square

 If you haven’t used Cash App before, the app will ask you for permission to use your camera. Click yes and you’ll be one step closer to completing your payment.

4. Scan the Seller’s QR Code

Scan the seller’s QR code to begin transacting with them.

5. Enter How and What You Want to Pay

Again, Cash App allows you to pay through multiple forms: straight cash, bitcoin, gift cards, and even popular stocks. Most vendors will want cash, but if you’re paying a friend it might be fun to send them the $20 you owe them in Apple Stock!

6. Follow Any Remaining Prompts to Complete the Transaction

After you have scanned your vendor’s QR code and entered in your payment, your transaction should go through immediately. 

Cash App has made it easier than ever to pay your friends and even vendors. Using the QR code method to pay usually takes less than a minute, and the payment should go through almost instantly. 

The QR code scanning for Cash App is insanely quick! I tried taking a picture of my QR code in Cash App for this article and it started processing a transaction instantly! 

I’ll include a picture of what it’ll look like when you go to scan someone else’s Cash App QR code. I had to cover half of mine up with my notebook just so it didn’t start processing! (Excuse my handwriting). 

cash app qr code scan

Alternative Option on How to Pay with Cash App without a Card

Cash App will also allow you to pay in bitcoin, gift cards, or stocks.

cash app send us

How to Pay with Cash App at Checkout Online

Cash App can also be used during checkout at many popular online retailers. 

Before trying to use this method, however, make sure the vendor you want to do business with accepts Cash App as a method of payment. 

To use Cash App when checking out, complete your order as you normally would. When you’re heading to the payment screen, you should see several options to choose from for payment methods.

Click on Cash App Pay, and depending on the device you’re using, you’ll be redirected to another screen. 

If you’re using your mobile device, like an iPhone, iPad, or Android, you’ll be redirected to Cash App from your merchant’s checkout screen. On Cash App you’ll be able to complete your payment and finalize the last steps of your transaction.

If you’re using a computer, either a laptop or a tablet, the merchant may have a QR code you can scan using your mobile device. 

You’ll be taken to a similar screen as the mobile checkout where you can complete your payment. 

Follow any and all remaining prompts to ensure the merchant received your funds and your order should be on its way — all while using Cash App.

How do I Pay with Cash App Tap

Sending a payment on Cash App is easy. There are six easy steps to pay with Cash App Tap:

  1. Open the Cash App: Find the popular finance app on your phone and open it up.
  2. Enter the amount: Make sure you’re sending the correct amount, as Cash App does not let you get back money once it’s sent.
  3. Tap Pay: Click the “pay” button.
  4. Enter an email address, phone number, or $Cashtag: Find whoever you want to pay. Personally, I love the uniqueness of a $cashtag. Everyone has their own, and it’s a great way of ensuring your money is going where you want it to.
  5. Enter what the payment is for: You don’t have to, but Cash App has a memo section where you can add a note to your payment. This is great for business transactions, or if you just want a reminder of what it is you’re paying for. 
  6. Tap Pay: Click the “pay” button one more time and your money should be transferred instantly. 

How to Use Cash App at a Gas Station Without the Cash App Card

While the Cash Card is a great feature of Cash App, not everyone has it. Don’t worry. Most gas stations and modern businesses have contactless card readers, so you don’t have to have it to pump some gas!

If the gas pump you’re at has a contactless payment method, and you added a Cash Card to your digital wallet, you can scan your mobile device over the card reader to initiate a transaction.

Gas stations will usually put a hold of $175 on your account to make sure the transaction goes through. Once it does, the hold will come off.

If you’re needing a refund, it could take up to 10 business days to hit your Cash App account. If it takes longer, contact Cash App and see if they can speed up the process. 

If you haven’t added a Cash Card to your digital wallet, you may need to head inside the gas station and pay there. A lot of gas stations accept Cash App, but look it up before you go. 

Once you’re inside, let the cashier know you’re going to pay with Cash App and how much you want to spend. They’ll then have a QR code for you to scan.

Scan it using the QR code reader in Cash App and enter how much you want to pay. From there, follow the remaining prompts to make sure the transaction goes through.

How to Get Money off of Cash App without a Bank Account or Cash App Card

One of the reasons Cash App is great is that it doesn’t require its users to have a bank account or a debit card connected to it.

Not having a separate bank account or a Cash App Card can make it difficult to withdraw cash though. If you don’t have either, you may be forced to send money to a friend and ask them to withdraw it for you.

To find your friends or family on Cash App, click the magnifying glass.

cash app search magnifying glass

If you have a trusted friend or family member, send them the money you have on the app that you wish to receive as cash. They can withdraw it using their Cash App card or transfer it to their bank to be withdrawn later.

If they do send it to their bank, it may take 1-2 business days to transfer completely. They can pay a fee to speed up the process. 

Where do Cash App Funds Come From?

Cash App has a variety of features that make transacting easy. Some users connect the payment platform to their bank account; others use the app on its own.

Depending on how you use Cash App, your funds may come from two places: from your connected debit card/bank account or from Cash App itself.

If you have connected your bank account on the app through your account and routing number or through your debit card and don’t have a balance within Cash App, the app will withdraw the necessary funds to complete a transaction straight from your account. 

Cash App completes this process automatically when you’re checking out and doesn’t charge a fee either. If you don’t want to hold a balance within Cash App but still want to use it to pay sellers, you can.

If you want to use Cash App on its own or don’t want to connect your debit card, you’ll have to have funds within the app to make purchases. You can add funds through a one-time transaction from your account or receive transfers and payments from other users. 

Cash App will again automatically take funds from your balance in the app to make purchases. 

If you don’t have a connected debit card and don’t have a balance within Cash App, your transactions will be declined. 

Will Cash App Refund You?

This part is tricky. As an ex-banker working for Chase Bank, I know Chase to be one of the best banks to use if you ever get scammed or pay the wrong vendor.

By filing a claim, Chase will work hard to investigate the transaction and get you your money back.

Cash App doesn’t work the same as it isn’t a bank. Fintech companies don’t have the same capabilities, or forgiveness, as major financial institutions. 

If you send money to the wrong Cash App user, that money is as good as gone. Cash App will do nothing to refund you and recommends that you contact that user on your own to see if they’ll send you the money back out of their own goodwill. 

If you make purchases using Cash App, Cash App will always look through your transaction history to see if you’ve transacted with a fraudulent vendor. 

They keep a list of known vendors who scam their clients and may reverse your transactions as they go through. 

If your payment hasn’t gone through yet, you may be able to cancel it. By clicking on the clock icon on the bottom portion of your screen in Cash App, you can see your transaction history and see any transactions that are still in the pending status.

If your transaction is still in the pending status, you might see a cancel button that would stop the payment in its tracks. If not, Cash App has probably already approved the transaction and sent the funds over. 

Cash App gives their users the ability to request a refund, file a claim, and even report transactions as fraudulent. 

Again, Cash App gives no guarantees once the payment is processed. 

About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining, breaking down banking like only an ex-banker could.

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