Using the Cash App is becoming a popular way to pay for your everyday purchases. This guide will walk you through the steps on how to use your Cash App Card to make payments at gas stations.
First things first, you need to have a Cash App Debit Card to make payments at gas station or purchase grocery using Cash App funds. You cannot pay directly pay with Cash App funds. If you don’t have a Cash App Card, you can apply for the same in the app. You can check here for the steps to apply for Cash Card for this purpose.
Just like your Debit Card pulls funds from your bank balance, Cash App Card uses the funds in your Cash App Account Balance for making payments.
How to Use Cash App Card at Gas Station
You can use your Cash App Card at at gas station, like a normal debit card. Swipe the Cash Card over the card reader at the gas pump and enter your PIN to pay for the fuel. But do note that gas stations may charge your Cash Card, with a temporary authorization hold of up to $100, to check the balance, which gets reversed later.
Due to this hold charge, your card is debited for an amount greater than cost of the gas your bought. This hold is also called a pre-authorisation charge and is used to check if you have sufficient funds and gets auto-reversed later. The same charge is also applicable on any debit card that you may use in a gas pump.
But you can also AVOID this charge, by going inside and pre-pay for the fuel at the register for actual amount of gas you want to get (instead of swiping card at the pump)
In case, you choose to swipe at gas station pump (without going inside), make sure you have adequate balance in your Cash App account- to cover the additional hold charge and avoid a decline.
The gas pump places a hold (pre-authorisation charges) because they don’t know what the final amount of gas will be . The amount of hold varies between different Gas stations. For some gas stations, it can even exceed $100. Your actual cost of gas gets charged later as a separate transaction that releases the authorization hold.
Most people get confused about these charges. They also have complaints about the delay in refund of pre-authorisation charge. It’s actually a temporary block on your funds and can be a bit of pain.
The best way again is just go inside and prepay at the register before you pump the gas. By doing this, your account gets charged for the exact amount- as against paying at the pump where you can’t tell what your total charge will be. It can be a bit inconvenient as it requires to walk in and estimate for the amount of gas you need. But it saves you from the pain of hold up charges and having to wait for a refund.
Usually, it takes good amount of time for refund of these pre-authorisation charges i.e. up to 5 business days depending on the merchant and the bank involved.
Also Read: How to use Apple Pay at Gas Station [Complete Guide]
Another alternative method you can explore is by using Cash App Card with Apple Pay.
How to Use Cash App Card at Gas Station with Apple Pay
Another alternative you can explore is by adding your Cash App Card in Apple Pay as a payment method. Then pay using Apple Pay at the pump by holding your iPhone over the NFC reader (Wi-Fi symbol) at the gas pump to pay with Apple Pay, using your Cash App Card .
This also works using Google Pay.
You can also pay using the Gas Station App at certain gas stations (like Chevron, Shell etc.) which have their own mobile app, which you can download and install on your mobile. In such cases, you can add Cash App Card or the Apple Pay (with Cash App card attached) as a payment method in such Gas Station App and make the payment in-app using only your mobile. You can refer to our guide on how to pay at Gas Stations using Apple Pay app on more details around this process.
Boost your pump
Time and again, you get boost offers on your Cash App. If you are lucky enough to find a boost offer for your gas purchases (like at Krogers Fuel Centers), it’s best to again use this boost at the pump by prepaying a fixed amount at the register at Gas Station. It’s much better than to pay as you go at the pump which will again put you in confusion with hold charges. But you would get the Boost saving either ways.
Also Read: How to use Cash App Boost [Complete Guide]
Steps to Apply For a Cash Card ( if you don’t have it yet)
To apply for a Cash App Debit Card, you should complete verification of your Cash App account. This requires you to provide Social Security number (last 4 digits) and other details like full name and date of birth. This is a way to verify your identity and also confirm that your age is at least 18.
Once you have a verified account, you can apply for the Cash App Card using the steps below:
- Tap the Cash Card tab on the App home screen
- Press Get Cash Card below the Card image
- Tap Continue
- It will ask you to digitally sign and your signature is added to the card as a personalization
- Next you need to enter your mailing address where you want the card to be delivered
- Next you need to confirm a PIN for the card
Card number is generated immediately and you can see the virtual card on the app. In fact, the card can be used for online payment even before it is delivered. But the physical card takes 7-10 days to reach.
Also Read: Can I use Venmo for Gas [Easy Guide]
So you can conveniently pay at the gas stations using your Cash App funds. But you need to have the Cash App Card for it. And if you choose to prepay inside, you can avoid authorization hold charges.
If you are paying directly at pump, make sure you have adequate balance in Cash App account to cover the hold charges and be patient to get back the refund.