Cash App
Shares rank 10 of 17 mobile payment apps by recommenders
Recommended for simple payments and easy signup; critics say weak identity checks let scams through and victims get poor support.
Recommended for simple payments and easy signup; critics say weak identity checks let scams through and victims get poor support.
43 people gave an opinion
- recommend it
- 12
- criticize it
- 31
- approval share
- 28%
Recommended in 6 of 13 months
- November 2025: not recommended
- December 2025: recommended
- January 2026: recommended
- February 2026: recommended
- March 2026: not recommended
- April 2026: recommended
- May 2026: not recommended
- June 2026: recommended
- July 2026: recommended
- August 2026: not recommended
- September 2026: not recommended
- October 2026: not recommended
- November 2026: not recommended (month in progress)
Why it doesn’t carry the badge
- 12 people recommend itNeeds 10 or more, met.
- 0.3 recommenders for every criticNeeds 2 to 1 or better, not met.
- Recommended in 6 of 13 monthsNeeds 4 or more, met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Good software, innovative early on
“Square and Cash App were pretty innovative when they came out”
Comment from 4 Apr 2026 in “Jack Dorsey says Block employees now bring prototypes, not slides, to meetings” “Venmo and Cashapp are good at software.”
Comment from 16 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B” Used for sending money to family
“I will be giving a greeting card with cash or just cash app family members.”
Comment from 18 Dec 2025 in “Are Apple gift cards safe to redeem?” “they can't use venmo\cashapp, then the OS is dead in the water from day 1”
Comment from 6 Dec 2025 in “GrapheneOS is the only Android OS providing full security patches”
What people warn about
Each mark is one comment
Weak verification enables scams
“cashapp is designed in such a way that when I hear people want to use it I bail immediately because it's a strong signal a scam is about to happen”
Comment from 23 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” “If Cash App had run some sort of bank-level verification, I doubt a garden-variety scammer could've "stolen her identity" like this.”
Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” “creating a system with so few checks that it appears to be designed to facilitate fraud and theft”
Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” - Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name”
- Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name”
- Comment from 23 Jun 2026 in “Crypto in 2026: Oh, This Is the Bad Place”
Poor help for scam victims
“Cash App who facilitated the scam and actually cost the buyer actual money... walks away with no repercussions.”
Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” “CashApp failed to investigate and provide vital information to victim while she was being investigated”
Comment from 23 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” “CashApp stonewalled the victim and prevented proper investigation before charges were formally filed”
Comment from 23 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” - Comment from 23 Nov 2025 in “A monopoly ISP refuses to fix upstream infrastructure”
- Comment from 22 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name”
Settlement amounts favor the company
“Cash App's stock transfer records in the app vs their backend reports and bank transfer amounts don't reconcile and always in their favor.”
Comment from 23 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” “Their app and backend reports report different settlement amounts always in their favor”
Comment from 23 Oct 2026 in “Woman charged with computer fraud due to scam CashApp account being in her name” Phone number account linking problems
“they're obsessed with phone numbers there”
Comment from 26 Jan 2026 in “Bugs Apple Loves” “they're obsessed with phone numbers there, so adding the phone to the second account pulls it off the other account”
Comment from 23 Jan 2026 in “Bugs Apple Loves”
Other mobile payment apps people recommend
The four most recommended other mobile payment apps, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Wero | 84 | 96 | 47% | 11 | — | — |
| Apple Pay | 73 | 48 | 60% | 12 | — | — |
| Apple Wallet | 58 | 63 | 48% | 10 | — | — |
| Google Pay | 26 | 33 | 44% | 11 | — | — |
| Cash AppThis page | 12 | 31 | 28% | 6 | — | — |
What people said
40 of the 47 comments that mention it, newest first. Each links to the original comment.
“cashapp is designed in such a way that when I hear people want to use it I bail immediately because it's a strong signal a scam is about to happen”
“CashApp failed to investigate and provide vital information to victim while she was being investigated”
“CashApp stonewalled the victim and prevented proper investigation before charges were formally filed”
“it is alleged Cash App does not pull your credit before opening an account”
“They didn't do proper identity verification”
“Definitely appears they were negligent here as well.”
“Apply zero pressure to the company which aids and abets fraud”
“Cash App's stock transfer records in the app vs their backend reports and bank transfer amounts don't reconcile and always in their favor.”
“Their app and backend reports report different settlement amounts always in their favor”
“you can't just open an app and then let it destroy the lives of people with absolutely no connection to it”
“They obviously failed to do that here.”
“defend a b$ company that doesn’t not have adequate protections to prevent this from happening”
“Whatever is needed to prevent fraud perpetuated on their platforms.”
“did not secure her social security number and other information should be liable”
“Clearly this is evidence that they can't be trusted as a bank, and should have those licenses revoked.”
“creating a system with so few checks that it appears to be designed to facilitate fraud and theft”
“allowed a criminal to open an account with someone else's social security number”
“Cash App who facilitated the scam and actually cost the buyer actual money... walks away with no repercussions.”
“Make cashapp prove they did their due diligence.”
“If Cash App had run some sort of bank-level verification, I doubt a garden-variety scammer could've "stolen her identity" like this.”
“she should have got access to the account, without having to demand it via discovery”
“If they don't do any verification, and I'm not sure how they would in countries like the US”
“Sad that Block Inc get to profit from frictionless signups, and outsource any costs of failings to innocent people”
“after the acquisition of cash app”
“Venmo and Cashapp are good at software.”
“Paypal/Venmo/CashApp, Schrödinger's fraud trigger you never know it's gonna work or not.”
“I can literally pay for my meal using CashApp at a diner in the middle of nowhere using Bitcoin.”
“Square and Cash App were pretty innovative when they came out”
“why would I use Cash App if they're going to try to make it "an interface for AI"?”
“they dont have a great moat in their individual offerings”
“My decade-old account was suspended, despite no suspicious activity”
“the engineering standards on the CashApp side of the fence were significantly sloppier than on the Square side”
“It also solves an exclusively American problem.”
“There is little growth to be had when these customers can get free deposit accounts”
“Venmo, which appears to be crushing Cash App”
“they're obsessed with phone numbers there”
“they're obsessed with phone numbers there, so adding the phone to the second account pulls it off the other account”
“I will be giving a greeting card with cash or just cash app family members.”
“they can't use venmo\cashapp, then the OS is dead in the water from day 1”
“Except Cash App who closed my account for "contacting employees outside of the support chain."”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.