On September 10, 2026, Cash App started piloting an “earning experience” that lets eligible sole proprietors accept payments for goods and services on their personal Cash App account, with no separate business account. Cash App says the pilot is open to select eligible customers and access will expand “over time”.
What changed
- Where sellers get paidpersonal Cash App account, no business account needed
- Fees on eligible goods and services paymentsNo fee
- Trackingsellers can tag payers as customers and see income in an Earnings hub
- Form 1099-Kissued only if a seller receives more than $20,000 and completes more than 200 transactions in earnings in a calendar year
- Availabilitypilot, select eligible customers
Source: Cash App press release, September 10, 2026 · Checked on September 27, 2026
Why it matters
Cash App says 70% of its monthly active customers earn income through freelancing, content creation, hourly or gig work, and that they use 2.7 payment channels on average to get paid. The pilot keeps that income inside the personal account people already use, with payers tagged as customers and no fee on eligible payments.
The 1099-K threshold Cash App quotes, more than $20,000 and more than 200 transactions in a year, is the one it says aligns with IRS reporting requirements. A missing 1099-K is only about the form; it does not tell you what you owe. This is not tax or financial advice.
What to do
- If the option appears in your app, enrollment starts from your personal account.
- Check what you can receive before a busy week: Cash App limits.
- Keep your own record of business income; the Earnings hub helps, but your tax filing is yours.
