If you run a one-person operation — a barber, a baker, a lawn-care hustle, a resale side gig — Cash App just rolled out something worth your attention. In September 2026, Cash App began piloting a new experience that lets eligible sole proprietors accept payments for goods and services with no fees, right from a personal account, and track everything in a dedicated Earnings Hub. No separate business account required.
This is a meaningful shift. Historically, taking business payments on Cash App meant using a Cash App for Business account, which charges a 2.75% fee on each payment received. The new sole-proprietor experience waives fees on eligible goods-and-services payments entirely. Below, we break down how the Earnings Hub works, who qualifies, and how the reinstated $20,000 / 200-transaction 1099-K rule affects your taxes.
What Is the Cash App Earnings Hub?
The Earnings Hub is a built-in dashboard inside your personal Cash App account for people who sell goods or services. Once you enroll, you can tag the people who pay you as customers and see all of your business income collected in one place — separate from money you send to and receive from friends and family.
Cash App designed this for the reality of modern self-employment. According to the company, these sellers juggle an average of roughly 2.7 different payment channels to get paid — nearly double what a typical salaried worker manages. The Hub is meant to pull that scattered income into a single, trackable view so you’re not reconstructing your year from screenshots at tax time.
Key features at a glance
| Feature | How it works |
|---|---|
| Account type | Your existing personal Cash App account — no business account needed |
| Fees | No fees on eligible goods-and-services payments |
| Customer tagging | Mark payers as customers to separate business income from personal transfers |
| Earnings tracking | All tagged earnings appear in a dedicated Earnings Hub dashboard |
| Tax reporting | Form 1099-K issued only if you exceed $20,000 AND 200 transactions in a year |
| Availability | Pilot for select eligible customers; expanding later in 2026 |
How to Start Selling With the Earnings Hub
Because the feature is rolling out in stages, the exact screens may vary, but the flow is straightforward:
- Check your eligibility. The experience is in pilot for select eligible customers. If you qualify, Cash App will surface the option to enroll from within your personal account.
- Enroll from your personal account. Opt in to the selling experience — you do not create or migrate to a separate business account.
- Accept a payment for goods or services. Customers pay you the same way they’d send any Cash App payment.
- Tag the payer as a customer. This flags the transaction as business income and routes it into your Earnings Hub.
- Track everything in the Hub. Review your running total of earnings, which makes bookkeeping and tax prep dramatically easier.
The Money Difference: No Fees vs. 2.75%
The fee waiver is the headline. Here’s a concrete comparison of receiving the same business income under the older Cash App for Business model (2.75% per payment) versus the new no-fee sole-proprietor experience.
| Payment received | Cash App for Business (2.75%) | Earnings Hub (no fee) | You keep extra |
|---|---|---|---|
| $50 | $48.63 | $50.00 | $1.37 |
| $500 | $486.25 | $500.00 | $13.75 |
| $2,000 | $1,945.00 | $2,000.00 | $55.00 |
Worked example: Maria sells handmade candles and takes about $1,500 a month in Cash App payments. On a business account at 2.75%, she’d lose roughly $41.25 a month — about $495 a year — in fees. Through the Earnings Hub’s no-fee experience, she keeps all of it. Over a year, that’s real money back in her pocket for wax and wicks.
The $20,000 / 200-Transaction 1099-K Rule Explained
Here’s where a lot of small sellers have been confused, so let’s set the record straight. A Form 1099-K is an information return that payment platforms send to you and the IRS reporting the gross amount of your business transactions.
For a few years, the IRS planned to slash the reporting threshold to just $600. But the One Big Beautiful Bill Act (OBBBA), signed in 2025, retroactively restored the long-standing threshold. As a result, for 2025 and going forward, platforms like Cash App issue a 1099-K only when a seller receives more than $20,000 AND completes more than 200 transactions in a calendar year. Cash App’s Earnings Hub follows exactly this rule.
Both conditions must be met
This is the single most important detail: the test uses AND, not OR. You will not get a 1099-K from Cash App unless you cross both the dollar amount and the transaction count.
| Your year | Gross received | Transactions | 1099-K issued? |
|---|---|---|---|
| Seller A | $25,000 | 150 | No — under 200 transactions |
| Seller B | $8,000 | 400 | No — under $20,000 |
| Seller C | $30,000 | 500 | Yes — both exceeded |
The catch every seller must understand
Not getting a 1099-K does not mean your income is tax-free. The IRS still requires you to report all self-employment income, whether or not a form is issued. The 1099-K threshold only determines when the platform files paperwork — it does not change what you legally owe. This is exactly why the Earnings Hub’s tracking matters: it gives you a clean record to report from, even below the threshold.
Frequently Asked Questions
Do I need a Cash App business account to use the Earnings Hub?
No. The whole point of the new experience is that eligible sole proprietors sell from their existing personal account. There’s no separate business account to open, and no monthly or per-transaction fee on eligible goods-and-services payments.
Can I use the Earnings Hub right now?
It depends. As of its September 2026 launch, the experience is in a pilot for select eligible customers. Cash App has said it plans to expand access later in the year, so if you don’t see the option yet, check back — or watch for an in-app prompt to enroll.
If I don’t get a 1099-K, do I still have to report the income?
Yes. Reporting your income is a legal requirement regardless of whether Cash App sends a 1099-K. The $20,000-and-200-transaction threshold only governs when the platform files a form with the IRS — it never exempts you from reporting what you actually earned. Keep good records and, if in doubt, talk to a tax professional.
How is this different from just getting paid by friends on Cash App?
Regular personal payments between friends and family aren’t business income and shouldn’t be tagged as such. The Earnings Hub is specifically for goods and services you sell. Tagging payers as customers keeps that business income cleanly separated from your personal transfers.
The Bottom Line
Cash App’s Earnings Hub is a genuine win for solo sellers: no fees on eligible goods-and-services payments, a simple way to tag customers, and one dashboard to track your income — all without a separate business account. Pair that with the restored $20,000/200-transaction 1099-K threshold, and most small sellers get more clarity and keep more of what they earn. Just remember that low reporting thresholds never erase your duty to report income, so use the Hub’s tracking to stay organized year-round.
WalletWisp is informational only and not financial, tax, or legal advice. Verify current details with Cash App and consult a qualified tax professional for your situation.
