Compared
For people selling on Craigslist, Facebook Marketplace or OfferUp who are deciding how to take money from a stranger. Every statement about another service links to that service's own page.
Cash App is free to receive and, once a payment has begun processing, the buyer cannot cancel it. Between two people it offers no protection and no dispute process that we could find in its terms, and a card-funded payment can still be disputed through the card issuer.
Nilfpay confirms the card payment in your app before the handover, shares nothing but your shop page and QR code, and has a dispute process with a person reviewing the evidence. Sellers pay $0; the buyer pays 4%.
For a small face-to-face sale where you watch your balance update, Cash App is fine. For strangers, larger items and shipping, Nilfpay.
Side by side
Numbers in brackets link to the source.
| Question | Nilfpay | Cash App |
|---|---|---|
| Fees for me, the seller | $0 for you. The buyer pays a 4% service fee, 50¢ minimum, added at checkout. [1] | Receiving a personal payment costs you nothing. The sender pays 3% when they fund it with a credit card. A Cash App business account pays 2.75% per payment received. Instant Deposit to your bank costs 0.5% to 1.75% ($0.25 minimum); a standard deposit is free and takes 1 to 3 business days. [2] |
| Can the buyer fake the payment | No. The card payment is captured at checkout and the order shows as Paid in your app before you hand anything over. There is no screenshot to trust and nothing to check on the buyer’s phone. | The payment itself cannot be faked, but the proof can. Look at your own Cash App balance, never the buyer’s screen. [3] |
| Can the buyer reverse it later | Rarely, and never silently. The buyer can open a dispute with Nilfpay, and card disputes exist on top. Your pickup code or your delivery tracking is your evidence. If a card dispute is lost after the handover, you carry it. | Not by the buyer once sent. Cash App’s terms: “You will not be able to cancel the transfer once the transfer has begun processing.” A payment funded by a card can still be disputed by the buyer with their card issuer. [4] |
| Do I have to share my phone number or bank details | No. The buyer sees your shop page, its name, your link or QR code, and any social links you choose to add. Never your phone number, email or bank details. | Partly. The buyer needs your $Cashtag, phone number or email, or scans your QR code. Your bank details stay private. [5] |
| Do I get the money instantly | The order shows as Paid the moment the buyer pays. Payouts go out daily and land in your US bank account the next business day, or you pick the money up in cash at Western Union or MoneyGram. | Into your Cash App balance, yes. Into your bank, free in 1 to 3 business days or an Instant Deposit fee. [2] |
| Works for in-person sales | Yes. The buyer scans your QR code or opens your link and pays on their phone. They read you a 4-digit pickup code and you hand over. | Yes. Watch your own balance update before the handover. |
| Works for shipped items | Yes. You set a flat delivery fee, then mark the order shipped with the carrier and tracking number. Tracking that shows delivery to the buyer’s address counts as delivered. Without it, an item-not-received dispute goes to the buyer. | It works as a transfer. We found no buyer or seller protection for payments between two people in Cash App’s terms; for merchants with an ordering profile the terms say the transaction is “between you and that merchant, not Cash App.” [4] |
| What happens if the buyer disputes | The buyer opens it in Nilfpay. A person reviews the order, the pickup code or the tracking, and the messages, then decides. The buyer can also dispute with their card issuer. | No Cash App process between two people for a personal payment. A buyer who paid with a card can dispute with the card issuer. [3] |
| Who it is best for | Sales to strangers where you want the money confirmed before the handover, custom orders you want paid before you start, and anything you ship. | Small in-person sales with a buyer who already uses it, where you check your balance before handing over. |
Trade-offs
FAQ
Not from their side. Cash App’s terms say you will not be able to cancel the transfer once it has begun processing. A buyer who funded the payment with a card can still dispute it with their card issuer, and that is the reversal path to think about.
The transfer, no. The proof, yes: a screenshot or a notification-style email is easy to fake. Open your own Cash App and look at the balance before you hand anything over.
Not necessarily. A buyer can pay your $Cashtag or scan your QR code. Your bank details stay private either way. With Nilfpay the buyer sees your shop page and QR code and nothing else.
Between two people, no process that we could find in Cash App’s terms. A card-funded dispute goes through the card issuer, where you have little say. With Nilfpay, the buyer opens the dispute in the app and a person reviews the order, the pickup code or the tracking, and the messages.
Nothing. The buyer pays a 4% service fee, 50¢ minimum, at checkout. Payouts go out daily and land the next business day, in your US bank account or as cash to pick up at Western Union or MoneyGram.
Small in-person sales with a buyer who already uses it, where you check your balance before handing over, and payments between people who know each other.
Sources
Last verified: September 22, 2026. Nilfpay facts are Nilfpay's own; provider facts are quoted from the pages below.
Nilfpay confirms the buyer's card payment in your app before you hand anything over. Sellers pay $0; the buyer pays a 4% fee at checkout, and the money lands the next business day, in your bank or as cash at Western Union or MoneyGram.
See how Nilfpay worksFree for sellers. United States.