Cash App vs Venmo Refund Process

Cash App

• Refunds must not have an amount greater than the captured amount on the original payment.
• Refunds are linked to a previously captured Cash App Pay Payment.
• Customers seeking a Cash App Pay refund must request it directly from the merchant.
• Transaction fees will not be returned to the Payment Service Provider (PSP) in the event of a refund.
• Refunds may be declined if the customer's Cash App account is deactivated.
• Refunds may be declined if the merchant is deactivated or their onboarding has not yet completed.
• Refunds may be declined for compliance reasons, including violation of Cash App Terms of Service, Program Rules, or applicable laws.
• Refunds may be declined if the requested amount is too high (above maximum refund size) or too low (below $0.01 USD).

Venmo

• Specific refund policies for in-store QR code purchases are determined by the merchant, not Venmo.
• Venmo's payment processing fee for business profiles is not returned to the business (or buyer) when a payment is refunded.
• To issue a full refund from a business profile, enough money must be in the Venmo account to cover the received amount plus the business profile fee.
• Refunds can only be funded by money in the Venmo account for automated in-app refunds.
• If a refund has been pending for longer than 30 minutes, contact Venmo support.
• Refund amount may vary by merchant, as some can choose to provide a refund for more than the original purchase amount.

Cash App

• To refund a payment directly in the app or on cash.app: Go to the Activity tab, Select the payment you’d like to refund, Choose Refund, Press Confirm.
• For Cash App Pay refunds, customers must request a refund from the merchant directly.
• To receive the refund the Cash App account of the Customer must not be deactivated.
• For Merchants, a step-by-step guide about refunding an order is available in the Help section of the Merchant portal.

Venmo

• To refund a customer as a business: locate their payment in the app, then select the option to refund.
• Check the status of a pending refund by tapping on the refund from your Money tab.
• For in-store QR code purchase refunds, show the merchant the refund barcode on your email receipt from Venmo.
• Contact the merchant directly for questions about the timing of your refund.
• If unable to come to a resolution with the business, contact Venmo Support via the app (Me > Settings > Get Help > Chat With Us) and ask for an agent.

Cash App

• Cash App balance
• linked bank account
• linked debit card

Venmo

• original payment method (Venmo account, bank account, debit card, or credit card)
• Venmo account
• Venmo Credits

Cash App

Not available

Venmo

• For businesses, a partial refund can be completed through the app if there are sufficient funds in the Venmo account.
• If a business does not have enough money in their business profile for a full refund, they can create a new payment using a bank account or card on file for a partial refund, mentioning the original transaction in the payment note.

Cash App

Not available

Venmo

• If you are unable to come to a resolution with the business, you can contact Venmo Support.
• While Venmo does not guarantee a refund, they will work with you to help you come to a solution.
• Contact support via the Venmo app: Go to Me > Settings > Get Help > Chat With Us and ask for an agent.

Cash App

• Cash App Pay transactions originating from the stored balance in the app will be refunded to the customer’s Cash App account balance.
• Cash App Pay transactions originating from a linked debit card or bank account will be refunded to the original card or bank account.
• Refunds for Stored Value Balance (SVB) are immediate.
• Once a refund is confirmed, funds will be returned to the sender’s Cash App balance or linked bank account.

Venmo

• When using the in-app refund button, the original payment and refund are marked “Refunded” and linked via payment details.
• Once a refund is complete, its status will update to 'Completed' in the app, and both you and your customer will be notified via email.
• If a deposit followed by a withdrawal from the same merchant appears in your transaction history, it generally means the merchant has canceled or reversed the transaction.
• Sometimes, for various reasons, your refund will be credited to your Venmo account even if another payment method was used for the original purchase.