# Cash App

**Canonical:** https://apis.io/providers/cash-app/  
**Website:** https://cash.app/  
**APIs profiled:** 12

Cash App is a consumer mobile-first financial services platform operated by Block, Inc. (formerly Square, Inc.), a publicly traded company. Cash App is not itself a chartered bank; its banking, card, and lending features are delivered through partner institutions (deposit accounts and the Cash App Card are issued by partner banks, historically Sutton Bank and Lincoln Savings Bank; brokerage and bitcoin services run through Block subsidiaries). Its public developer surface is a merchant/PSP payment-acceptance product, not a consumer-permissioned data-access API - Cash App Pay lets partners and payment service providers charge customers directly from their Cash App balance or linked funding source, and the Afterpay (Cash App Afterpay) buy-now-pay-later product is offered through the same portal. Block runs a real, public first-party developer portal at developers.cash.app (built on Fern) that publishes downloadable OpenAPI 3.1 specifications for the Cash App Pay Partner API (Customer Request, Network, and Management APIs on api.cash.app) and the Afterpay Global API (on global-api.afterpay.com). Consumer-side account data is reached by third parties through aggregators (e.g. Plaid) rather than a first-party FDX data-access API; no FDX participation or CFPB Section 1033 data-rights posture is documented in the developer portal.

## Kin Score — 58.9 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 58.9).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 62.4 |
| Governance | 11.5 |
| Operational Transparency | 63.2 |
| Developer Ergonomics | 77.7 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 70.3 (matched via tags).

## Agent readiness — 66.0 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (12)

- **Cash App Pay Network API** — Server-side REST API that registers merchants and processes payments using grants - the core Cash App Pay payment-processing surface for PSP partners.
- **Cash App Pay Customer Request API** — REST API used to get permission from customers to perform actions on their accounts (such as collecting a payment), producing the grants consumed by the Network API. Wrapped by ...
- **Cash App Pay Management API** — REST API that controls scoped API keys and webhooks, automating key aspects of a Cash App Pay integration including least-privileged microservice access.
- **Afterpay Payments API** — Afterpay (Cash App Afterpay) Global API for authorizing, capturing, voiding, and refunding buy-now-pay-later payments. HTTP Basic authenticated.
- **Afterpay Checkouts API** — Afterpay Global API for creating and retrieving checkout sessions that begin an Afterpay buy-now-pay-later order flow.
- **Afterpay Orders API** — Afterpay Global API for retrieving order details associated with an Afterpay buy-now-pay-later transaction.
- **Afterpay Configuration API** — Afterpay Global API exposing merchant configuration and limits (such as minimum and maximum order amounts) for the Afterpay/Cash App Pay integration.
- **Afterpay Disputes API** — Afterpay Global API for listing disputes and submitting evidence to contest Afterpay buy-now-pay-later chargebacks.
- **Afterpay Grants API** — Afterpay Global API for retrieving and managing the grants that authorize Afterpay payment operations on a customer's behalf.
- **Add Cash App Pay to Your Site (Grants) API** — Afterpay Global API surface for retrieving Cash App Pay grants when adding Cash App Pay directly to a website through the Afterpay Global API.
- **Afterpay Service Status API** — Afterpay Global API health-check endpoint reporting the operational status of the Afterpay service.
- **Afterpay Billing Agreements API (Deprecated)** — Deprecated Afterpay Global API for creating and managing recurring billing agreements; retained here as harvested for historical completeness and marked deprecated by Cash App.

## MCP servers (1)

- **cash-app-mcp.yml**

## Agentic access (1)

- **Cash App Agentic Access** — 100 operations · 59 acting · 3 human-in-the-loop

## Security (3)

- **Cash App Authentication** — apiKey/http/hmac-signature · 2 schemes
- **Cash App Domain Security** — TLSv1.3 · HSTS · DMARC
- **Cash App Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Tags

Financial Services, Payments, United States, Fintech, Neobank, Buy Now Pay Later, Payment Acceptance, Digital Wallet

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cash-app/). Scores are computed from the provider's own public artifacts under a published rubric.