The popular peer-to-peer payment platform has agreed to resolve claims that it violated Washington State’s spam-text law by allegedly sending (or encouraging users to send) unsolicited promotional texts. And if you received one of those “Invite Friends” messages between late 2019 and mid-2025, you could be eligible for up to $147 in cash.
Here’s a detailed look at who qualifies, how to claim, and when to expect the payout.
What the Cash App Lawsuit Is About
The class action lawsuit, filed in Washington, accused Cash App’s parent company, Block, Inc., of violating state law by encouraging users to send pre-filled referral texts to their contacts — without those recipients’ consent.
Those messages often read something like:
“Hey! I’ve been using Cash App to send money and spend using the Cash Card. Try it using my code and you’ll get $5.”
The issue? Washington law bars companies from sending — or helping to send — unsolicited commercial texts.
Cash App denied any wrongdoing, stating in court filings that it did not “initiate or assist” in the messages being sent, since they originated from individual users. However, the company opted to settle the case for $12.5 million to avoid a lengthy trial.
Who’s Eligible for a Cash App Settlement Payout?
You may be eligible if you:
- Received a Cash App referral text between November 14, 2019, and August 7, 2025.
- The text message included a Cash App referral code or link, such as “cash.app/app/[code].”
If that sounds familiar — even if you deleted the message — you likely qualify.
Payments are estimated between $88 and $147 per person, depending on how many valid claims are filed.
| Eligibility Window | Settlement Amount | Type of Message |
|---|---|---|
| Nov. 14, 2019 – Aug. 7, 2025 | $88–$147 (est.) | “Invite Friends” referral texts from Cash App |
How to File a Claim
Eligible users can file online or by mail before the October 27, 2025 deadline.
You’ll need to visit the Bottoms Text Settlement website and:
- Enter the phone number that received the referral text.
- Verify your eligibility.
- Complete and submit the claim form.
If you no longer have access to the phone number tied to the message, there’s a checkbox on the form to indicate that.
For those preferring paper, you can download and mail the completed claim form to the address listed on the settlement site.
When Will Payments Be Made?
Payments will be distributed after final court approval of the settlement. The approval hearing is expected in late 2025, with payouts likely arriving in early 2026 via direct deposit, PayPal, or mailed check.
If you’ve filed a valid claim, you’ll receive notification of approval and instructions before funds are sent out.
How Much Could You Get?
Each claimant is expected to receive between $88 and $147, though the exact amount depends on how many people file.
| Estimated Claim Range | $88–$147 per person |
|---|---|
| Settlement Fund | $12.5 million |
| Claim Deadline | October 27, 2025 |
| Payment Method | Direct deposit or mailed check |
Why Washington’s Law Matters
This case centers on Washington’s Commercial Electronic Mail Act, one of the strictest anti-spam statutes in the U.S. It prohibits companies from sending or facilitating unsolicited text messages or emails promoting products or services.
While the law applies only to Washington residents, the class action settlement includes anyone nationwide who received the “Invite Friends” message during the covered period.
Another Cash App Settlement in the Past
This isn’t the first time Cash App has faced legal scrutiny. In 2024, Block and Cash App Investing LLC settled another class action lawsuit over data breaches that allegedly led to unauthorized fund transfers and compromised personal data. That settlement also paid out millions to affected users.
Both cases underscore the growing consumer concern over privacy, digital marketing, and the security of financial platforms.
What Cash App Says
Block, Inc. has not admitted wrongdoing. In court filings, it maintained that users—not the company—initiated the referral messages:
“Block did not initiate or assist in the transmission of a text message to Plaintiff and/or others alleged to be members of the putative class.”
Still, the company agreed to the payout as a “pragmatic resolution.”
FAQs:
Who qualifies for the Cash App settlement?
Anyone who received a Cash App referral text between November 14, 2019, and August 7, 2025.
How much can I get?
Between $88 and $147, depending on the number of valid claims filed.
What’s the deadline to file?
October 27, 2025.
