Cash App Text Message Settlement: $12.5M

The settlement covers Washington residents who were sent a Cash App “Invite Friends” or referral program text message between Nov. 14, 2019, and Aug. 7, 2025, and who had not previously given clear and affirmative consent to receive such marketing messages.

To qualify, claimants must provide the phone number that received the referral message and confirm that they:

• Were the subscriber or regular user of the number,
• Lived in Washington when the text was received, and
• Did not give prior consent to receive Cash App promotional texts.

Mobile payment service Cash App has agreed to pay $12.5 million to settle allegations that it illegally sent marketing texts to Washington residents.

The lawsuit accused Cash App, operated by Block, Inc., of violating Washington’s Commercial Electronic Mail Act (CEMA) and Consumer Protection Act (CPA). According to the complaint, Cash App users were encouraged to share pre-filled referral messages with their contacts. These texts, the plaintiffs argued, amounted to unsolicited commercial messages because recipients never gave express permission to receive them.

This practice allegedly placed recipients in the same category as victims of spam or robocalls, which Washington law strictly limits. CEMA, in particular, requires opt-in consent for commercial texts and allows statutory damages for violations.

While Cash App denies any wrongdoing, the company chose to resolve the matter with this settlement instead of continuing to litigate the claims in court.

What Class Members Can Receive

Eligible individuals who file a valid claim will share equally in the net settlement fund. Current estimates suggest payouts will fall between $88 and $147 per person, but the exact amount depends on how many people submit claims. Payments will be distributed by check or electronic transfer once the settlement is finalized.