Cash App is a highly popular app in the digital payment world. However, the company recently became embroiled in a case that has captured the attention of millions of users. A complaint related to spam text messaging has led to Cash App paying a $12.5 million (approximately ₹104 crore) settlement. If you’ve ever received a Cash App message with the “Invite Friends” message, you could receive up to $147 (approximately ₹12,000). Let’s explore this issue in detail—who is eligible, how to claim, and when you’ll receive your money.
What’s the matter? Cash App accused of sending spam texts.
This case originated in Washington State, where consumers filed a lawsuit against Cash App’s parent company, Block, Inc. The allegation was that the company provided its users with a system that allowed them to send pre-written “Invite Friends” messages to their friends.
The message would read something like this:
“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.”
Although these messages were being sent from users’ mobile phones, the court claimed that the company encouraged them to do so. According to Washington State’s spam-text law, sending any advertising or promotional messages without permission is illegal.
The Company’s Response and Initiation of the Settlement
Cash App stated in court that it did not send any messages itself or “assist” anyone in sending them. The company stated that all messages were sent voluntarily by users.
Nevertheless, to avoid a lengthy court case and litigation, Block, Inc. agreed to a $12.5 million settlement without admitting fault. This suggests that the company wanted to end the matter amicably and avoid damaging its reputation.
Which users can benefit from the settlement?
If you received a Cash App message with “Invite Friends” or “Referral” any time between November 14, 2019, and August 7, 2025, you may be eligible for this settlement.
This message typically contained a link or code, such as “cash.app/app/[code].”
If you ever received such a text, even if you deleted it, you can still file a claim.
How much will the settlement amount be?
Under this settlement, each eligible user will receive an amount ranging from $88 to $147. The exact amount will depend on how many people filed valid claims.
Period Estimated Payment Message Type
November 14, 2019 – August 7, 2025 $88 – $147 per person “Invite Friends” referral text
How to Claim—Easy Process
If you are eligible, you must complete a claim form by October 27, 2025. This process can be completed both online and offline.
For online application:
- Go to the Bottoms Text Settlement website.
- Enter the phone number where you received the Cash App referral message.
- Confirm your eligibility and fill out the form.
Submit the form.
- If you no longer have that phone number, there is a special checkbox for it on the form; tick it.
For offline application:
- You can download and print the form from the website and mail it. The address is provided on the settlement website.
When and how will payments be received?
The final settlement hearing is expected to take place in late 2025. After that, if the court grants final approval, payments will begin in early 2026.
The payment methods are also convenient—
- Direct Deposit (directly to a bank account)
- Through PayPal
- Or by mail by check.
Users whose claims are approved will receive a notification via email or SMS, detailing the method and timing of payment.
Why Washington’s Law is Important
This entire case is based on Washington’s Commercial Electronic Mail Act. It is considered the strictest anti-spam law in the United States. Under this law, no company is allowed to send promotional texts or emails without the recipient’s permission.
Although this law primarily applies to residents of Washington State, this class action settlement covers users across the United States who received the “Invite Friends” Cash App message.
Cash App has been accused before
This isn’t the first time Cash App or its parent company, Block, Inc., has been embroiled in legal controversy.
In 2024, the company settled another class-action lawsuit related to a data breach, a leak of users’ personal data. In that case, millions of dollars in compensation were awarded to affected users.
Both cases make one thing clear: concerns about user privacy and security on digital platforms are constantly growing.
Why this settlement is a valuable lesson for users
This case isn’t just about money; it’s a reminder that technology companies must respect user privacy.
If an app encourages its users to send messages that cause inconvenience to a third party, it violates the law. This case also proves that consumer rights cannot be compromised, whether you’re a large company or a small startup.
Cash App’s Response and Future Direction
Cash App has denied any wrongdoing in this matter. The company says it did not send any of the messages itself and that these were referrals made with the users’ consent.
Nevertheless, the company accepted this settlement to avoid lengthy litigation and court trials. This shows that Cash App wants to maintain the trust of its users. It is expected that the company will improve its marketing practices and privacy policies in the future.
Conclusion
This entire case underscores the importance of consumer privacy and rights in the digital age. This is a warning to large platforms like Cash App that every promotional message requires consent.
If you are one of the users who received the Cash App message “Invite Friends,” be sure to file your claim before October 27, 2025. This time, that small text message could net you approximately $147, or up to ₹12,000.
FAQs
1. What is the Cash App texting settlement about?
A. The settlement resolves a class action lawsuit accusing Cash App’s parent company, Block, Inc., of violating Washington State’s spam-text law by sending or encouraging users to send unsolicited promotional referral messages.
2. How much money will users receive from the settlement?
A. Eligible users may receive between $88 and $147 each, depending on the total number of valid claims submitted.
3. Who is eligible to receive the Cash App settlement payment?
A. You are eligible if you received a Cash App “Invite Friends” or referral text message containing a Cash App link or code between November 14, 2019, and August 7, 2025.
