Cash App, one of the most popular peer-to-peer payment platforms in the U.S., is making headlines in December 2025 for reasons beyond digital payments. The company has agreed to a $12.5 million class action settlement linked to allegations of unauthorized promotional text messages. As a result, eligible individuals may receive around $147 each, making this one of the more notable spam-text settlements in recent years.
If you received unsolicited Cash App marketing messages, this guide explains what the settlement is about, who qualifies, how to file a claim, and what to expect next.
Overview of the Cash App Settlement
Key Settlement Details
| Feature | Information |
|---|---|
| Total Settlement Amount | $12.5 million |
| Estimated Payment per Person | About $147 |
| Company Involved | Cash App |
| Issue | Unauthorized marketing text messages |
| Law Involved | Telephone Consumer Protection Act (TCPA) |
| Payment Methods | Digital wallet, bank transfer, or check |
The settlement focuses on consumer privacy and consent, two areas receiving increased attention as digital marketing continues to expand.
Why Cash App Is Paying $147 Per Person
What the Lawsuit Was About
The class action lawsuit alleged that Cash App sent automated or promotional text messages without proper user consent. Under the Telephone Consumer Protection Act (TCPA), companies must obtain clear permission before sending marketing texts.
Consumers reported receiving these messages even though they had not signed up for promotions or, in some cases, did not even have a Cash App account. After receiving multiple complaints, the case moved forward as a class action.
While Cash App denied wrongdoing, it agreed to the settlement to avoid prolonged litigation and additional legal costs.
Details of the $12.5 Million Settlement
The settlement fund covers several areas, including:
- Payments to eligible claimants
- Legal and administrative costs
- Improvements to internal compliance and messaging systems
Compared to many spam-text settlements that pay $20–$60, the estimated $147 payout stands out as relatively high, depending on the total number of approved claims.
Eligibility Requirements
Who Qualifies for the $147 Payment
You may be eligible for compensation if:
- You received promotional or automated Cash App text messages
- The messages were sent without your consent
- The texts were received during the covered settlement period
- You can verify your phone number and basic identity details
Important: You do not need to be a Cash App user to qualify. Receiving the messages alone may be enough.
How to File a Claim
Simple Claim Process
Cash App has established an official settlement website where eligible individuals can submit claims. The process is straightforward and usually takes only a few minutes.
You will typically need to provide:
- Your full name
- Phone number that received the messages
- Email address
- A short confirmation that you received unauthorized texts
Once submitted, claims are reviewed and verified. Approved payments will be sent using the selected payment method.
Why This Settlement Matters
This case highlights growing concerns around digital privacy, consent, and consumer rights. As companies rely more on automated marketing, lawsuits like this remind businesses to follow consent laws carefully.
For consumers, it reinforces the importance of knowing your rights and taking action when companies cross legal boundaries.
Frequently Asked Questions
What is the Cash App settlement about?
It compensates individuals who received unauthorized promotional or automated text messages from Cash App.
How much will eligible users receive?
Approved claimants are expected to receive about $147, depending on total claims.
Who qualifies for the settlement payment?
Anyone who received Cash App marketing texts without consent during the covered period may qualify.
Do I need a Cash App account to file a claim?
No. You only needed to receive the messages.
When will payments be sent?
Payments are typically issued after final claim review and court approval, following the claim deadline.
Conclusion
The $12.5 million Cash App class action settlement is a strong reminder that consumer consent matters in the digital age. If you received unsolicited Cash App marketing texts, you may be entitled to around $147 with minimal effort. Checking your eligibility and filing a claim takes just a few minutes and ensures your consumer rights are recognized. Staying informed and proactive can turn an unwanted message into meaningful compensation.