CashApp in Kenya - Everything You Need To Know

August 13th, 2022 by Felix Cheruiyot


Cash app is one of the most popular mobile payment apps out there right now. People love it because it’s fast, easy to use and has some great features. It’s also cheap to use because users can transfer money for free if they have the cash app and link their bank account to it. There are a lot of people from Kenya who would love to use the Cash App, but there is no direct way to do so because CashApp does not support African users yet. If you're considering using CashApp in Kenya i.e to receive payment and how IntaSend can help you receive CashApp in Kenya.... Keep reading!

What is CashApp?

CashApp was founded in 2013 by Block Inc. as a peer-to-peer payment app that could compete with other payment providers like PayPal and Venmo. Since its creation, it has become one of the go-to P2P payment apps, thanks to the progressive growth in the fintech space. Today, CashApp is the second-largest digital bank in the United States and is used by millions of customers across the country. CashApp provides various products and services, including money transfers, stock purchases, and peer-to-peer payments. It also offers a prepaid card, which can be used anywhere Visa is accepted. CashApp has made a name for itself in the fintech space thanks to its innovative products and services and its dedication to providing the best customer experience possible.

Its cutting-edge technology and the customer experience they provide have propelled them to the top. CashApp has seen rapid growth in the past few years, especially since the launch of its cryptocurrency feature, which has allowed customers to store and trade cryptocurrency on the platform. This has given them a unique advantage, as they have been able to ride the crypto wave and capture the interest of new customers. CashApp has been able to keep up with the fast-paced fintech industry and provide its customers with innovative services and products, which has led to its success.

While CashApp may not be a bank, as a financial platform, it manages to provide banking services and debit cards through its bank partners. With CashApp, you can send and receive money, set up direct deposits, invest in stocks for as low as $1, and get a debit card. The option to invest in stocks via Cash App is called fractional shares.

How Does CashApp Work?

It’s safe to say CashApp is one of the best financial platforms now, with a load of features users can benefit from, including banking, Bitcoin, investment, payments, and debit card issuance. However, to begin, you must download the mobile app from Apple App Store or Google Play Store. Below are some of the things you can do with your CashApp account;

Send and receive money

One of the things you can do with your CashApp account after setting it up is to link it to your existing bank account, which will be your payment source. From the mobile app, you can send and receive money from the green payment tab, where you’ll see the “Pay” and “Request” options to create a payment. A unique username must be created as soon as your account has been set up. The username is called a $Cashtag. Without the $Cashtag, you can make or receive payments through the app. Alternatively, you can search for an account by a user’s email address, phone number, or name.

Stock investment

With CashApp, you can invest in stocks with as little as $1. It doesn’t matter whether you’re just starting or a pro; CashApp lets you buy fractional shares, also known as smaller pieces of stocks, commission-free with a wide range of funds and stocks to choose from. You must identify an opportunity - the company stock you want to buy, set your amount, verify some personal information, and confirm the transaction with your pin.

Bitcoin trading

CashApp also lets you break into the bitcoin world by trading or sending some of your bitcoin balance to your family and friends. You can also transfer your bitcoin balance to a different digital wallet on the blockchain, so there’s enough variety to make it a diverse experience.

Is CashApp Safe?

A company of that reputation wouldn’t put all its hard work up in the open air by not adopting the best security practices. CashApp uses the latest encryption technology and security to protect its users from hackers and scammers. CashApp also allows you to set a security lock such that a passcode will be required whenever you want to perform a transaction from your app. In case of a stolen or lost Cash Card, you can easily disable it from your app to prevent people from accessing your funds.

Does CashApp Offer a Debit Card?

Every CashApp user has access to a debit card linked to their Cash App account. This card is called Cash Card, and it allows you to make online purchases, withdraw cash from ATMs, and be linked to digital wallets like Google Pay and Apple Pay. If you receive direct deposits of at least $300 monthly, CashApp will reimburse ATM fees that are charged at $2 per ATM transaction. It’s only important to know that you can withdraw only $310 per transaction, $1,000 per 24-hour period, and $ 10,000 per seven-day period.

Is CashApp Free To Use?

It will cost you $0 to download CashApp and set up an account. While CashApp doesn’t charge fees for many of its services, you can expect to be charged little fees for ATM transactions, Bitcoin trading, and instant transfers. You will be charged some fees for ATM use if you’re using a Cash Card. For Bitcoin transactions, you’ll be charged a fee, which will be listed before you complete the transaction.

Can You Use CashApp in Kenya?

While CashApp is one of the best peer-to-peer payment platforms in the world, it is only supported in two countries - the United States and the United Kingdom. Users in other countries, including Canada, must use other platforms to transfer money across borders. This has prevented CashApp from making inroads in countries with many users, like China and India. To expand to more countries and further increase its user base, CashApp needs to find a way to expand its reach. It is unclear why CashApp has decided to limit operations to the US and UK.

While CashApp is a great platform, its service is unavailable in Kenya. Peer-to-peer application may be the best way to receive money from the USA in Kenya, but you may have to consider other options if CashApp is your first choice. Despite this restriction, we’re happy to inform you there’s a way you can receive money from CashApp in Kenya without an account, which we believe will be a relief for freelancers and other online contractors.

Introducing IntaSend’s Bitcoin Payment Method

What makes CashApp a great choice for many in the UK and US is the diversity and how it leaves them with several options they can adopt to send and receive payments. Bitcoin trading was introduced to CashApp users in 2018, allowing users to send and receive Bitcoin to other crypto wallets that do not necessarily have to be Cash App users. This way, even people that live in countries where CashApp is not supported can now receive payments from CashApp users in the United States and the United Kingdom.

As an African freelancer, this has come as a relief, knowing there’s a way you can receive your payments from an employer whose only option is CashApp. So, how do you get started? IntaSend! With the IntaSend payment gateway, one of the payment options is Bitcoin with its “pay with Bitcoin” option. With this option, you can receive payments from employers in the United States whose only option is CashApp in Kenya through IntaSend. Thankfully, IntaSend supports the Lightning Network (a new Bitcoin payment that allows payments to be processed faster through a decentralized network) and the regular Bitcoin payment.

Why IntaSend?

You’re probably wondering why you must choose IntaSend when several other options exist. Below are some of the benefits of receiving Bitcoin from CashApp with IntaSend;

No blockchain confirmation

If you’ve ever used any other wallet to perform crypto transactions, you’d have realized it could take some time to process these transactions on the blockchain before they eventually go through. However, sending Bitcoin through CashApp allows you to receive your payments without blockchain confirmation. Transactions are processed immediately without the need to confirm on the blockchain.

The safest way to receive payments from your clients

If your clients prefer to use CashApp to disburse payments to their employees, IntaSend’s Bitcoin option is one the safest way to get your payments as soon as possible. This means you no longer have to wait for days or weeks to get your cash. You can initiate a request through a QR code that contains your wallet address, which will be forwarded to your customer within minutes.

Liquidity cover

IntaSend understands every user’s fear of the constant fluctuation of the Bitcoin price, which is why it provides a cover for that fluctuation. IntaSend automatically converts Bitcoin to fiat currency using the best exchange rate possible.

Easy implementation

You can implement Bitcoin payment on your website or mobile application with the IntaSend Bitcoin payment API. Whenever customers/clients are on your checkout page will see the option to pay using Bitcoin. Even if you previously installed the API, you can easily integrate it into your current website by updating the WebSDK to see the new Bitcoin payment option.

Fast withdrawal of funds

IntaSend converts your Bitcoin to fiat currency immediately after the transaction, which means you have the option to withdraw the funds to your preferred bank account immediately.

24/7 customer support

IntaSend’s support team is always a phone call, email, or live chat away from answering any question you may have about the Bitcoin payment option. The best part? The payment gateway works 24/7, so you can be guaranteed to get paid, even on weekends.


Why do we need CashApp to Kenya Interoperability?

The freelance market is growing daily, and Africa is responsible for a huge chunk of that growth. The continent is currently experiencing an economic dynamism, thanks to the rapid growth of freelancing, which has financially liberated both men and women by exposing them to many opportunities from other parts of the world. Thanks to advances in technology and the growing internet population, it is easier than ever to be self-employed and earn a living without the traditional constraints of conventional jobs.

As a result, the number of people who can support themselves and their families without government assistance is increasing daily. Even if you don't want to go full-time, you can still earn a comfortable living as a contractor in some of the continent's most remote and underdeveloped areas. You'll be able to work from anywhere with a reliable internet connection, and you'll be able to take advantage of the high-quality training materials, job listings, and networking opportunities that have been developed specifically for freelancers.

In some regions, such as Kenya, the number of freelance workers is growing faster compared to the number of traditional employees. This means that the industry has a lot of growth potential. The key to unlocking this potential is to provide more access to finance, training, and other resources so that more people have the opportunity to become entrepreneurs.

The demand for specialized skills on the continent has led to a boom in opportunities for freelancers, who can earn a good living working from home. The ease of access to the internet and growing demand for quality content have also increased demand for content, creating a growing market for content creators. The demand for skilled content creators in Africa will only increase in the coming years, which is great news for aspiring content creators.

According to a study by Payoneer, Africa holds up to 10.1% of the total freelance workforce, which is an incredible number. As the rate of unemployment continues to skyrocket in Africa, it’s good that freelancing is one of the fastest-growing industries on the continent, leaving people with the chance to make a good living for themselves.

One of the biggest benefits of freelancing in Africa is that it helps people to build a platform for themselves, which will help them to advance in their careers and build their own businesses. The best thing about freelancing in Africa is that it’s changing how people think about what it means to work and provides them with the opportunity to become their own boss.

Many people looking for full-time jobs are turning to freelance work instead, which provides a good alternative to those who can’t find a steady job. This has led to a huge growth in the freelance sector in Africa, with companies like UpWork and Freelancer seeing a huge jump in the number of users they have in the region. The economic growth and opportunity that comes with having a freelance job in Africa have attracted a lot of talent, which has helped to increase the quality of work that’s being produced.

As an African freelancer, one of the challenges you could face is getting your payments from international clients. Many international clients, particularly those in the United States, prefer using US-based providers to pay their freelancers. This can make it difficult for you to get paid by international clients. The good news is that there are ways you can get your international clients to pay you even when you’re based in Africa.

You would wonder why getting paid as an African freelancer could still be difficult with so many options. PayPal and Payoneer are two of the most popular options, but they’ve not made things easier for African freelancers, with so many restrictions and limits. CashApp is seemingly another feasible option, but does it work in Africa? Can you receive payments with CashApp in Kenya? Let’s find out together.

We have a detailed guide on PayPal challenges for African freelancers. You can read it here.


CashApp may be one of the best peer-to-peer payment platforms in the world. However, its lack of presence outside the United States and the United Kingdom makes it irrelevant to people outside those countries. While receiving payments from CashApp users without an account is largely impossible, IntaSend has made it possible through its "Pay with Bitcoin" option. All you need is to have an IntaSend account and get verified, all of which are completely free. You can read more about how you can receive payments from CashApp in Africa without a CashApp account here.


Getting started on IntaSend is one of the easiest things you can think of. All you have to do is to sign up with your information (mostly email address, phone number, and preferred password), fill in a few details about your business, and confirm your registration from a confirmation email that must have been sent during the signup process.

It costs nothing to create an account with IntaSend, as registration is completely free. However, you will be charged for every transaction you perform via IntaSend, whether card payments, mobile money transactions, or ACH.

Identity verification is a high priority on IntaSend. After completing an individual verification step, depending on your account type, some of the required documents range from Business Registration to KRA Tax Certificates. Learn more about account verification and required documents here.

After creating an account, you need to submit your verification documents. Our compliance team will review and invite you for a live screening meeting. This process normally takes 1 business day.

Cover photo by Tech Daily on Unsplash

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