Cash App is a popular peer-to-peer payment app from Square Inc. (now called Block Inc.). If you are a Cash App user and troubled with the issue of canceled payments (“for your protection”), you may be looking for ways on how to stop Cash App from canceling payments. In this post, we will look at the reasons for this issue, is possible to stop it, and how you can reduce the chances of running into the issue.
It can be frustrating to run into the issue where you are attempting to make a payment and Cash App comes in the way to cancel it for no clear reason.
It can also be a case where you are receiving money from someone and you get this message, which may be surprising.
So let’s try to understand the background:
The way Cash App is set up is that payments sent using Cash App are instant and irreversible. In the recent past, this has also been an issue where people were scammed into sending money or had their Cash App account compromised and could not recover the losses.
Cash App has regularly advised Cash App should be used only with friends and family. Further, Cash App has an added layer of security to automatically screen transactions, using Artificial Intelligence (AI) to detect and stop transactions that raise a “red flag”.
Cash App Payment Failed for my Protection
If you use Cash App to send payments and get this message “this payment was canceled for your protection and will be refunded”, it means the transaction has been canceled automatically by the AI monitoring on Cash App for security reasons.
To quote Cash App’s official response on their website:
Cash App monitors your account for anything that looks out of the ordinary. If a potentially fraudulent payment occurs, we cancel it to prevent you from being charged.
In general, you should avoid using Cash App for any transactions with strangers, even if you are receiving money. There have been scams where a person sends money to someone using stolen cards or a compromised Cash App account, creating a lot of unnecessary and even legal hassle for recipients.
The issue can be due to suspicious account activity auto-detected by Cash App AI screening. either at the sender or receiver end. Especially, if the transaction is from a stranger or person you are dealing with for the first time.
This is one of the reasons why Cash App AI screens account and transaction activity to auto-cancel transactions which seem to be fraudulent, from happening.
If you feel it’s a false positive and a genuine transaction with a person you know and trust, you can contact Cash App support to help. However, the general advice is to use alternative means in such cases since even the Cash App support team cannot override the AI.
Let’s look into more details to understand the reason and what is guidance to avoid issues in the future.
Why does Cash App keep canceling my payments?
Cash App screens transactions for security reasons and can decline or cancel transactions that appear out of ordinary.
There can be a number of reasons that could trigger such a canceled payment since it is being auto-flagged by AI. It can also be a false positive.
The issue could be either to do with your own Cash App account or the recipient’s account, whether you have completed identity verification on Cash App or not, the nature of the transaction being done, or the location. It could be you are using a new Cash App account, name discrepancies between your account and card added to your Cash App, transaction appearing to be different from your normal pattern, etc.
There is not one single reason and there could be numerous fraud triggers configured in the Cash App AI.
This is a common issue and guidance from Cash App is to use other ways of making a payment, if you face the issue more than once when attempting the same transaction.
Our security process reviews multiple data points in real-time to determine whether a payment can be completed. If anything appears out of the ordinary, we will cancel payments for your protection
Hi. Our security process reviews multiple data points in real-time to determine whether a payment can be completed. If anything appears out of the ordinary, we will cancel payments for your protection. This isn’t something we can override, but you’re welcome to try again later. https://t.co/0DVL0IZBiq— Cash App Support (@CashSupport) February 26, 2022
How to stop Cash App from canceling payments?
The transactions are automatically canceled by Cash App’s AI and you don’t have any direct way to stop the payment from being canceled.
Further, the issue may not be related to your own account and also be with the party on the other side.
However, you can look at below Cash App’s advice to understand what could be the source of the issue and take the following measures to reduce the risk of payment being canceled:
To reduce the risk of payment beings canceled:
- Only link debit or credit cards that are in your name
- Only send payments to or receive payments from people you know or reputable businesses
- Confirm the recipient’s phone number or $Cashtag before sending a payment
- Frequently use your Cash App to build up a healthy transaction history
How to fix this payment was canceled for your protection
There is no direct way to fix the payment canceled issue, as there could be a myriad of reasons for Cash App canceling a payment using AI.
If you are sending money, make sure if you have added the credit card or debit card with a name that matches your Cash App name (where you are paying with the card), the recipient is a known person or business and Cash Tag is correct.
Further, if your Cash App account is not a new account with verifiable transaction history, it helps the AI with more data. If you and the recipient have completed identity verification on Cash App, this too may help.
But they are not fool-proof ways. It is better you use alternate means, in urgent cases. You can cash out your Cash App funds to your bank account and use Zelle to make the payment, in case it is a friend or family member you want to send money to,
This is a common issue and can be troubling especially when you are dealing with a friend or family member. You can see common complaints from users on various forums.
It is always better to have an alternate option and not rely on Cash App.
While the intent of Cash App to cancel payments is in the right direction, it can be a show stopper sometimes even for genuine transactions. However, we do hope with time the issue gets auto-resolved by Cash App with its AI having more experience or Cash App comes with alternate verification steps that give the user more control to effect payments, especially when the transaction is with a known friend and family members.