What Cash App payment links do
A Cash App payment link is a shareable URL that lets someone send you money without needing your $Cashtag or phone number. You create the link in the app, share it however you want — text, email, social media — and anyone who clicks it can send you a payment right away. The money lands in your Cash App balance the same way a regular transfer does.
The link stays active until you delete it, so you can reuse it as many times as you want. This is different from a one-time payment request, which expires after someone pays it. Payment links are useful when you want a standing way for people to send you money — splitting rent with roommates, collecting for a group gift, or taking payments for something you sell regularly.
Key Takeaways
- Payment links let anyone who clicks the link send you money without your $Cashtag, and the link stays active until you delete it.
- You create a link in Cash App by going to the Money tab, selecting "Request," and choosing "Create a Link" instead of entering a specific person's name.
- The person sending money sees a screen where they enter the amount and confirm the payment, just like a regular Cash App transfer.
- Payment links work for anyone with a Cash App account, but the sender still needs to have a valid payment method on file to complete the transaction.
- You can share the same link multiple times, delete it anytime, or create new links for different purposes.
How to create a payment link in Cash App
Open Cash App and tap the Money tab at the bottom of the screen. Then tap "Request" — this is the same place you would go to ask a specific person for money, but instead of typing their name, you will see an option to "Create a Link." Tap that option.
Cash App will generate a unique URL and show it to you on screen. You can copy it, share it directly to contacts, or send it through text, email, or any messaging app. The link is now live and ready to use. Anyone who receives it can click it and send you money without any back-and-forth.
What the person sending money sees
When someone clicks your payment link, they land on a Cash App page that shows your name and profile picture. They enter the amount they want to send, review the details, and tap to confirm. If they have Cash App already, they sign in. If they do not, they can create an account right there — though they will still need a valid debit card or bank account to complete the payment.
The sender does not see your $Cashtag, phone number, or any other personal information beyond your name and photo. Once they confirm, the money moves to your Cash App balance when ready, just like a regular transfer. They get a receipt, and you get a notification that money arrived.
When payment links are useful
Payment links work well for situations where multiple people need to send you money over time. If you are collecting rent from roommates, you can create one link and share it with all of them — each person clicks it, enters their share, and pays. The same applies to group gifts, event fees, or splitting a meal.
They are also practical if you sell items regularly — handmade goods, used furniture, services — and want a straightforward way for buyers to pay without having to ask for your $Cashtag each time. You can post the link on social media, in a listing, or in your email signature, and people can pay directly from there.
Payment links are less useful for one-time, person-to-person payments where you already know the other person. In those cases, a regular transfer or payment request is faster because you do not have to generate and share a link.
Security and privacy with payment links
Payment links do not expose your personal information to strangers. The person sending money only sees your name and profile picture — not your phone number, email, $Cashtag, or bank details. This makes them safer than posting your $Cashtag publicly, where scammers could find it and try to impersonate you.
You control when the link is active. If you no longer want to receive payments through it, delete the link in the app and it stops working when ready. Anyone who tries to click it after that will see an error. You can also create multiple different links if you want to track payments for different purposes — one for rent, one for a group gift, one for sales — though Cash App does not label them separately, so you will need to remember which is which.
The payment itself is protected the same way any Cash App transfer is. Cash App uses encryption and fraud detection, and both you and the sender can dispute a transaction if something goes wrong. However, like all Cash App payments, these are generally not reversible once confirmed, so make sure you trust the person sending money.
Limits and things to know
Payment links work within Cash App's regular sending and receiving limits. If you have a Cash App account with a debit card, you can receive up to $25,000 per week. If you have not verified your identity, your limits are lower. The person sending money also has to stay within their own sending limits, which depend on their account type and history.
Both you and the sender need active Cash App accounts to use a payment link. The sender can create an account when they click the link if they do not have one already, but they will still need a valid debit card or bank account to complete the payment. Cash App does not accept prepaid cards or gift cards as payment methods.
Payment links are available to all Cash App users in the United States. If you or the sender are outside the US, the link may not work depending on where you are.
Payment links versus other Cash App payment methods
| Method | When to use it | What the other person needs |
|---|---|---|
| Payment link | Collecting from multiple people over time, or sharing a payment option publicly | Cash App account (can create one when clicking the link) |
| Direct transfer | Sending money to someone you know and have already communicated with | Their $Cashtag or phone number |
| Payment request | Asking a specific person for money one time | Their $Cashtag or phone number; they see the request in their app |
| QR code | In-person payments or sharing with people nearby | Cash App account; they scan your code with their phone camera |
Frequently Asked Questions
Can I set a specific amount on a payment link?
No. When you create a payment link, the person who clicks it enters the amount themselves. If you want to request a specific amount from one person, use the "Request" feature and enter their name instead of creating a link. That way they see the exact amount you are asking for.
What happens if I delete a payment link?
The link stops working when ready. Anyone who tries to click it will see an error message. If you want to accept payments again, you create a new link. The old link cannot be reactivated.
Can someone use my payment link without a Cash App account?
They can start the process without one. When they click the link, Cash App will offer to let them create an account right there. However, they still need a valid debit card or bank account to complete the payment — Cash App does not accept prepaid cards or gift cards.
Is there a fee to send or receive money through a payment link?
No. Cash App does not charge a fee when you send money to someone using a payment link, just like regular transfers between Cash App users are free. Fees only explore if the sender uses a credit card instead of a debit card or bank account, in which case Cash App charges a 3% fee.
Can I see who sent money through my payment link?
Yes. When money arrives, you get a notification with the sender's name and the amount. You can also see the transaction in your Cash App history, just like any other payment. However, if the sender created a new Cash App account specifically to use your link, their name might be unfamiliar to you.