How to Pay with Cash App in Store Without Card

How to Pay with Cash App in Store Without Card

April 9, 2022

Cash App is among the trusted and most used mobile money wallets in the United States. The service is also available in the United Kingdom, and users between the two countries can send money to one another. You can do several transactions with a Cash App account, and one is to pay for goods and services. Today you will learn how to pay with Cash App in-store without a card.

For your information, the service is a product from Square, a payment service that operates in the US. Square relies on Point-of-Sale systems to offer its services and has helped businesses accept money online and use cards, thus escaping the dangers of accepting cash. It supports various payment card service providers when it comes to accepting payments. Cash App also accepts business payments either online or at physical stores.

To use Cash App services, you need to open an account online, as we are about to see shortly. You require a secure and reliable internet connection and an internet-enabled device: a tablet, a computer, or a smartphone. A smartphone is the best because it allows you to manage your account on the go, unlike computers and tablets. Above all, opening an account with the platform is straightforward.

How to open a Cash App account?

As I have said above, you can open your account online using your phone, tablet, or computer. Make sure you are not using public WiFi to expose your data. You require a phone number, email address, Zip code, and a bank account to get started.

Later on, you can verify your account by providing your identification document and the Social security Number. The bank account is essential to help me to reload my Cash App card, whereby the funds are also available in the main account.

The identification document helps to reveal your real identity. Every citizen has a unique ID number that distinguishes them from others. The Social Security Number shows your working years and assists the government in determining your retirement benefits. That means every employer must ask for it before admitting you in their workplace.

Getting your account ready is easy as you need to download the application for iPhone or Android depending on the phone you have, create your account, connect it to your bank account, and add cash. The following is the procedure when opening your Cash App account. Have a look.

  • Hit on Cash App to launch
  • Enter your phone number or email to start using your account 
  • You will receive a code that you should enter in the provided space 
  • You can invite people to sign up with Cash App and earn money
  • After that, you then enter your debit card details to link your bank account with the application
  • Select a username, usually starting with a $Cashtag. You will use it to send and receive funds
  • Lastly, enter your zip code to finish setting up your account.

How to add money to Cash App?

How to Pay with Cash App in Store Without Card

Upon opening your account, the next thing is to add money to your account. There are various ways you can add money to your account. These are as follows.

i) Receive funds from others

When other users send money to your account, your balance increases, that way, you will have topped up your account. You can request money from others by logging in to your account, tapping the $ on the main screen, and following the given procedure. Receiving funds from others is one way to add money to Cash App without a debit card.

Remember that you have to present the $Cashtag username, phone number, or email address to the sender.

ii) Direct deposit

Direct deposit is a way to receive money from your employer or government agency. You must present them with your account and routing numbers that you can find when you log in online. You can receive funds earlier compared to the traditional banks. Banks also accept direct deposits from other financial companies.

iii) Use a credit card

You can use a credit card to recharge your Cash App account. A credit card is a payment card that allows you to borrow money from your issuer. You can get one from a bank, credit union, or a mobile wallet.

iv) Use your bank account

When you added a debit card during the account opening, it was to help you to add funds to your account when your balance is insufficient. A debit card connects to your checking account and helps you to use your balance.

Even online banks allow you to add money to your Cash App account. For example, you can transfer money from Chime to Cash App online by linking the bank to your account. Chime is an online financial technology that operates as a bank.

How to use Cash App?

There are various ways you can use your account for your benefit. These include the following.

1. Send money to others

You can send funds to your friends and relatives with just a few taps on your device. The primary use of the service is to send money to one another, just like many other peer-peer apps such as PayPal, Payoneer, and Venmo.

It allows the recipient to receive the funds immediately. You require the recipient’s phone number, $Cashtag username, or email address. It would be best to be keen on the recipient’s details since the transfer is instant and irreversible. 

2. Invest

You can buy Bitcoin and stocks and make money when the market is favorable. Thousands of Americans rely on Cash App to invest in various Cryptos. Before investing, you must be aware of the market dynamics to be prepared for any outcomes. Otherwise, you may land yourself in financial trouble.

3. Transfer money to a bank account

You can move money to your bank account instantly or within three business days. When transfering money instantly, you choose the debit card you added to your account. However, when transfering money using the three business days method, you use the bank account.

All this happens online after logging in to the platform. The process is almost similar to when you transfer money from Chime to a bank account. You have to link the bank account to Chime to affect the process.

4. Receive money from others

You don’t have to receive your payments via check, MoneyGram, or other weird methods, as Cash App allows one to receive funds instantly. Remember I mentioned that receiving money from others is one way to top up your account.

5. Buy goods and services

You can purchase goods and services with your account. You can either pay online or at a physical store. When paying online, you require the username of the recipient. Also, you can use the Cash Card to pay for your commodities or services offered.  

How to pay with Cash App in-store without card?

You do not need a card to pay for your goods and services in the store. Many are used to using Cash App online. However, you can make your payments at a physical store. You only need to ask the seller to give you their usernames, phone number, or email address to effect the transfer.

The process is instantaneous, and they can confirm that they have received the funds before you leave. The steps below can help you in the process.

  • Open your mobile app
  • Enter the amount of money for your purchase
  • Tap on “Pay.”
  • Enter the store $Cashtag or email address or phone number
  • Enter a note to describe the purchase
  • Tap “Pay.”

Actually, when you pay using your app, you get money from the Cash App without a card or bank account.

Also, you can use other apps such as Apple Pay and PayPal to pay without using the card. You need to add the card to the payment platforms, and you are good to go.

How do I get Cash Card?

As long as you have a running account, you can order your card to use your Cash App balance. You have to log into your account online, then follow the steps below.

  • Hit the Cash Card tab on your home screen
  • Tap Get Cash Card
  • Press Continue
  • Follow the steps

There are no fees that accompany the card application whatsoever. Again, you can customize your card with your colors, designs, and materials. If you do not want the card and have a better card to use, you can transfer your balance to the card and enjoy the benefits.

Such cards have Cashback rewards, points, and miles. Therefore, maximizing the rewards can help you realize the value of your money. Remember that I mentioned earlier that you could instantly transfer money from Cash App to a debit card but at a small fee of around 1.5% of the transaction amount.

Bottom line

Cash App is an American money transfer service that allows you to send and receive funds. The service also allows you to pay for goods and services, transfer money to a bank, and invest in bitcoin and stocks.

Also, you can get Cash Card, a debit card that connects to your Cash App account to use your balance. The service also operates in the UK, and users between the two countries can exchange money.

Posted by Spencer Tierney
Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.