The payment platform Cash App, part of the fintech group Block, has unveiled a new way to collect payments that sidesteps the usual in-app routine. Users can now create a unique URL that functions as a portable payment request — usable in messages, emails, bios, group chats, or anywhere links can be shared.
Instead of searching for someone’s $cashtag, the sender simply generates a link with a preset amount and note. When the recipient taps it, Cash App launches with the payment details already filled in. One click, done.
The tool works for both individual accounts and business profiles.
Less Awkward Than “Hey… Did You Pay Me?”
Block built the feature around a very human problem: people hate asking for money.
Internal research from 2024 showed that younger users often avoid direct payment requests. Many send a casual text first, then another reminder later, trying not to sound pushy. Cash App concluded the problem wasn’t technical — it was social.
Payment links shift the tone. Instead of a formal notification, users can send a message that fits the moment: funny, polite, sarcastic, or totally casual. Same request, softer delivery.
Quietly Joining a Bigger Trend
Cash App isn’t alone in chasing frictionless payment requests. Rival services like PayPal Holdings rolled out similar tools earlier, letting customers send payment links across multiple countries and even request digital currencies such as Bitcoin or Ethereum.
The direction is clear: payment apps are racing to make money requests as effortless as sharing a meme.
Another Brick in Block’s Ecosystem
The link feature lands alongside a stream of recent Cash App upgrades — parental settings, crypto tools, an AI assistant for tracking balances, and expanded access to short-term borrowing through Cash App Borrow.
Each addition pushes Cash App further from a simple peer-to-peer transfer app toward a full digital finance hub.
Small Feature, Big Behavioral Shift
Payment links might sound minor, but they target one of the biggest barriers in peer payments: emotional friction.
People delay paying because reminders feel uncomfortable. Friends avoid asking because they don’t want to seem rude. By turning requests into neutral links, Cash App hopes to normalize small transactions and keep money flowing inside its ecosystem.
In the world of fintech, convenience isn’t just about speed anymore — it’s about psychology. And Cash App is redesigning its product around that truth.