$147 Settlement Payment: The phrase “$147 settlement payment approved” is getting a lot of attention, and if you’re like most folks, you might be wondering: What is this about, and am I getting a check? Here’s the short version: Cash App has agreed to a $12.5 million class action settlement over claims that it sent unsolicited promotional texts to people in Washington state without proper consent. If you lived in Washington between November 14, 2019, and August 7, 2025, and received those texts, you could qualify for a payout — up to $147 per person. But there’s a lot more to know than just that. So let’s break it down in a friendly, authoritative way that both a 10-year-old and a legal analyst could appreciate.
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$147 Settlement Payment
The $147 Cash App settlement isn’t just about getting a check — it’s a win for digital privacy and consumer rights. Washington residents who received unsolicited texts from Cash App and filed timely claims could see payouts in early 2026, part of a $12.5 million settlement. Whether you’re in fintech, marketing, or just someone tired of spam messages, this case sets a clear example: get consent or face consequences. If you filed, check your payment method. If you didn’t, don’t worry — many more class actions are happening every year. Keep an eye out, protect your data, and stay informed.
| Key Topic | Details |
|---|---|
| Settlement Name | Cash App Promotional Text Class Action |
| Total Settlement Fund | $12.5 million |
| Estimated Payment per Person | $88–$147 |
| Eligibility | Washington State residents who received Cash App referral texts |
| Time Frame of Messages | November 14, 2019 – August 7, 2025 |
| Claim Deadline | October 27, 2025 (Closed) |
| Payout Timeline | Early 2026 |
| Claim Tracking | cashappsecuritysettlement.com |
Understanding the Case: What Led to the $147 Settlement Payment?
The issue began when users — and even non-users — started receiving promotional texts from Cash App‘s “Invite Friends” feature. These messages encouraged people to sign up and receive a cash bonus. But some of these recipients never agreed to be contacted.
Under Washington State’s Consumer Protection Act, companies are not allowed to send automated marketing messages unless they have clear, documented permission from the recipient. This protection goes beyond what the federal TCPA (Telephone Consumer Protection Act) mandates.
The class action lawsuit alleged that Cash App violated these laws by failing to get proper consent. Instead of continuing a lengthy legal battle, the company agreed to settle — a common strategy to minimize risk, avoid bad press, and save legal costs.
Importantly, Cash App did not admit wrongdoing, but they agreed to the settlement to “resolve the matter.”
Who qualified for the $147 Settlement Payment?
This wasn’t a nationwide offer — only certain people were eligible.
To be considered, you had to meet all of the following criteria:
- Lived in Washington State at the time you received the promotional text.
- Received one or more Cash App referral or promotional messages between November 14, 2019, and August 7, 2025.
- Did not provide explicit consent to receive the messages.
- Filed a valid claim through the official portal by October 27, 2025.
What makes this case unique is the geographic limitation — usually, settlements cover a broader audience, but this one strictly applied to Washington due to state-specific privacy laws.
If you moved to Washington after the messages or lived in another state, you weren’t eligible.
Also, current Cash App users were not automatically eligible — eligibility was based on the unsolicited receipt of referral messages, not app usage.
How the $147 Settlement Payment Estimate Was Calculated?
So where did the $147 figure come from? Let’s break it down.
The settlement includes:
- $12.5 million total fund
- $3–$4 million in administrative and legal costs
- Remaining $8.5–$9.2 million set aside for actual payments
Depending on how many valid claims are approved, here’s how payments work:
- If 100,000 people filed valid claims: ~$92 per person
- If 75,000 people filed: ~$122 per person
- If only 60,000 filed: ~$147 each
The final amount will be evenly divided, meaning everyone gets the same check, regardless of how many messages they got.
What if You Filed? How to Track Your Claim
If you filed a claim before the deadline, here’s what happens next:
- Go to www.cashappsecuritysettlement.com
- Click “Check Claim Status”
- Enter the Claim ID sent to your email or phone
- Choose your preferred payment method (check, direct deposit, PayPal, etc.)
If you’ve lost your claim ID, you can still reach out via email.
Make sure your bank details or mailing address are up to date, especially if you moved after filing.
When Are Payments Going Out?
The court gave final approval to the settlement in late 2025. Here’s the general timeline:
- Fall 2025: Deadline to file (Oct 27)
- Late 2025: Court signs off on settlement
- Winter 2025–2026: Claims processed and validated
- Early 2026: Payments start going out
If appeals occur, payments could be delayed slightly. But the most recent update confirms that early 2026 remains the target.
Behind the Scenes: How Class Actions Work
A class action is a legal tool that allows one or more individuals (plaintiffs) to file a lawsuit on behalf of a larger group (class members).
In this case, one Washington resident filed the suit, but thousands of people benefitted.
Here’s why it’s useful:
- Individuals might only be owed small amounts ($50–$150)
- Not worth hiring a lawyer solo
- Class actions pool everyone’s claims into a single lawsuit
- Makes it easier for people to get fair compensation without legal costs
The court ensures fairness by:
- Reviewing proposed settlements
- Setting claim deadlines
- Approving attorney fees
- Protecting class members’ rights
What If You Missed the Deadline?
If you didn’t submit your claim by October 27, 2025, unfortunately, you are not eligible for payment from this settlement.
Class action deadlines are strict and legally binding. Once they pass, the funds are distributed only among those who filed valid, timely claims.
Many people miss these opportunities because they don’t know where to look — those sites help you stay in the loop.
Why This Case Sets a Legal Precedent?
Although many companies send texts as part of marketing, this case shows that user consent must come first. Courts across the U.S. are raising the bar on digital privacy, especially with:
- Text marketing
- Email automation
- App notifications
More states are passing “opt-in” laws, meaning companies must get your clear “yes” before contacting you — not just burying consent in fine print.
Washington state is leading the way, and other states like California and Illinois are following.
Common Scams to Avoid
Since this case involves real money, it’s no surprise that scammers are taking advantage. Be on the lookout.
Never trust:
- Texts asking you to “resubmit your claim” and requesting your SSN
- Emails not from @cashappsecuritysettlement.com
- Facebook messages saying “Click here to claim Cash App refund”
Only trust:
- https://www.cashappsecuritysettlement.com
- Emails from the official claims administrator
- Your original claim confirmation or tracking number
If something feels off, don’t respond. Report fraud to the FTC.
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