Cash App, one of the most popular mobile payment platforms in the United States, is making headlines in December 2025 for reasons beyond peer-to-peer transfers. A $12.5 million class action settlement has been finalized after the company faced allegations of sending unauthorized promotional and automated text messages. As a result, eligible individuals may receive an estimated $147 payment per person, making this one of the larger spam-text settlements in recent years.
The case has drawn national attention not only because of the payout amount, but also because it reinforces consumer rights around digital privacy and consent. Millions of Americans rely on mobile apps for everyday financial transactions, and this settlement sends a strong message about accountability in digital marketing practices.
Table of Contents
Overview
| Feature | Details |
|---|---|
| Total Settlement Fund | $12.5 million |
| Estimated Payment | About $147 per eligible claimant |
| Reason for Settlement | Unauthorized promotional text messages |
| Who Can Claim | Individuals who received Cash App spam texts |
| Payment Methods | Digital wallet, bank transfer, or paper check |
| Official Reference | https://www.ftc.gov |
$147 Payment for Everyone
Over the past few years, consumers increasingly reported receiving unsolicited marketing messages promoting Cash App services. Many recipients claimed they never gave consent to receive these messages, which raised serious legal concerns under the Telephone Consumer Protection Act.
The TCPA strictly prohibits companies from sending automated or promotional text messages without prior express consent. Violations can result in significant penalties, especially when large numbers of consumers are affected. In this case, complaints grew rapidly, leading to a class action lawsuit that accused Cash App of ignoring these consent requirements.
The lawsuit argued that even individuals without a Cash App account received promotional messages, strengthening claims that the outreach was indiscriminate and unauthorized.
Details of the $12.5 Million Settlement
To resolve the case without prolonged litigation, Cash App agreed to a $12.5 million settlement. While the company did not admit wrongdoing, it chose to settle and move forward, and maintain consumer trust.
The settlement fund covers multiple areas. A portion is allocated to direct payments for eligible claimants, while the remainder covers legal fees, administrative costs, and compliance improvements. Cash App has also committed to reviewing and strengthening its internal marketing and consent systems to prevent similar issues in the future.
What makes this settlement stand out is the relatively high per-person payment. Many spam-text settlements result in payouts between $20 and $60, but this case is expected to deliver approximately $147 per eligible individual, depending on the total number of approved claims.
Eligibility Criteria
Eligibility is based on whether an individual received unauthorized promotional or automated text messages from Cash App during the period covered by the lawsuit. Importantly, you do not need to be a Cash App user to qualify.
Key eligibility factors include receiving marketing or automated messages without consent and being able to verify the phone number that received those messages. Claimants must also meet the settlement’s timing requirements, meaning the texts must have been received within the specified date range outlined in the claim form.
Because the settlement relies on phone number verification, individuals who frequently receive spam texts are encouraged to review their message history carefully before filing.
How to File a Claim Successfully?
Cash App has established an official settlement website where eligible individuals can submit claims. The process is straightforward and typically takes only a few minutes to complete.
Claimants are required to provide basic information such as their name, phone number, and email address. A brief confirmation that the unsolicited messages were received is also part of the process. Once submitted, claims are reviewed against the settlement database to verify eligibility.
After approval, payments will be issued using the method selected by the claimant. Options include digital wallet transfers, bank deposits, or paper checks. Processing times may vary, but most payments are expected to be distributed after final court approval and claim verification.
What Eligible Users Should Do Next
Individuals who believe they qualify should act promptly to file a claim before the deadline. Keeping records of received messages and ensuring accurate contact details will help prevent delays.
Staying informed about consumer rights and monitoring official settlement updates can also help individuals take advantage of similar opportunities in the future.
FAQs
1. What is the Cash App settlement about?
It compensates individuals who received unauthorized promotional or automated text messages from Cash App.
2. How much money will eligible users receive?
Approved claimants are expected to receive about $147 each, depending on the total claims.
3. Who qualifies for the $147 Cash App payment?
Anyone who received Cash App marketing texts without consent during the covered period may qualify.
