Cash App-style simulator that works on camera

In the sense this page uses the words, a Cash App simulator (a fake Cash App, as most people search for it) is a prop: an app that looks and behaves like a peer-payment app, held by an actor in a skit, a short film or a parody, or by you in a prank about your own balance, with nothing real behind it. Pozer’s is called Tender. You fill it in from a browser, it installs to your phone’s home screen, and its buttons work when someone presses them on camera. It is never proof of a payment or of money you have. This guide covers what’s on it, what each control does, what it costs, how to get it onto the phone you’ll film with, and how to film the moment money is sent.

First, the line you don’t cross

A payment screen in a scene is a prop, like stage money or a prop cheque. The same screen shown to a real person as a real payment (to someone selling a phone on a marketplace, to a landlord, to a stranger selling concert tickets) is fraud, and it stays fraud whichever tool drew it. So is a screen of money coming in, posted to persuade people to send some of their own. Both are among the most common scams online, which is why this comes first here. Accounts that do either are closed, and we cooperate with law enforcement. The rest is in our acceptable use policy.

If you’re ever on the other side of it, selling something and being shown a phone, don’t hand anything over until the money is in your own account, checked in your own app.

What “simulator” means here

Tender isn’t an app-store download, and it isn’t a copy of anyone’s app. It’s an original design, drawn to the conventions of a peer-payment app so it reads as the right kind of screen, which is why we describe it as Cash App-style. It carries no Cash App name, logo or artwork, and it isn’t affiliated with Cash App.

It’s online in the plain sense: the app lives at a link. You set it up in a browser and add it to your phone’s home screen, where it opens fullscreen with its own name and icon. It connects to no bank, card or payment network. Add money, Pay and Withdraw change the numbers inside the app on that phone and nothing else: no money moves, nothing is sent, and nobody anywhere is notified. It has no alerts of any kind, so it can’t put a “money received” notification on any phone.

Two other things turn up under the same search. Image generators make a flat picture, which can’t be tapped, and in a scene where someone pays, the tap is the shot. And downloads that claim to be a modified real payment app, or ask you to sign in with a real account, are a risk to you and your money. A prop never needs your login, your card or anybody’s real account.

A fake Cash App for a skit, a film or a prank

Most people after a fake Cash App want one of three scenes. A skit where the money app is the joke: the fee on a tiny withdrawal ($20 out, Fee $0.30, Arrives $19.70), a savings goal that won’t quite close, a balance of $0.00 that answers Not sent. A film or TV-style scene where a character pays someone, which the section on the money-sent moment below takes beat by beat. And a prank about your own balance: a friend who knows you sees a figure you typed, you film the reaction, and you tell them it’s a prop before the scene ends.

The prank has rules that don’t bend. The money is your own imaginary money, never theirs; nobody is asked for anything while they believe it; the reveal comes in the same scene, and you ask before you post. A screen saying you’ve paid someone, or that money is on its way to them, is never a prank. The whole balance version, with a windfall in Activity and a withdrawal on camera, is the fake bank account balance prank. If all you need is the balance itself, the fake Cash App balance template page has it at its defaults.

What’s on the screen

There are two tabs, Money and Activity, with a round $ button between them in the bottom bar. Money is the one the app opens on.

• The header. Your initials in a circle on the left (SS until you change them) and your tag on the right, $yourtag by default, with Money in large type underneath.
• The balance card. Cash balance, to the cent, with the masked tails of an account and a routing number under it: Account ∗∗5430 and Routing ∗∗329. Add money and Withdraw are the two pills at the foot of the card, and below a divider a Paychecks row reads $340 this month.
• Save & invest. A Savings card showing $1,751.00 and $249.00 to goal, with a ring beside it a little under nine-tenths full, and a Bitcoin card with its value, the day’s change in green or red, and a small line chart.
• Explore. Two tiles, Card offers (5% back this week) and Direct deposit (Paid up to 2 days early). They’re set dressing: the text is fixed and they don’t open anything.

Activity is a single list. Each line has a name, a note, when it happened and an amount, with money in shown as a plus in the accent colour and money out as a minus. It ships with four: Marcus R. for a studio session (+$2,400), Dina K. splitting dinner (−$86), Loop Media paying Invoice #204 (+$12,500) and Tomi A. for tickets (−$240).

What the buttons do

Three buttons open a keypad: the Add money pill, the Withdraw pill, and the $ in the middle of the bottom bar, which is Pay. The keypad arrives as a dark sheet sliding up over the app, whatever colours you’ve given the app itself.

1. The sheet says what you’re doing at the top (Pay, Add money or Withdraw), with Cancel on the left.
2. Type the amount. The figure groups its thousands as you go ($2,500, not 2500), takes up to two decimal places, and ⌫ removes the last character.
3. If you like, type a name in the field under the amount: To (optional) when paying or withdrawing, From (optional) when adding money.
4. Tap the button at the bottom, which carries the action’s name. It stays dimmed until the amount is above zero.

The sheet then turns into a receipt. A circle pops in and a tick draws itself inside it, with the amount and the new balance under it. The receipt never disappears on its own: it stays until someone taps Done, or the dimmed app above it. Behind it, the balance has already moved by the amount at the top, and a new line sits at the top of Activity marked Now: Payment sent for Pay, Added money for Add money, Instant withdrawal for Withdraw.

That headline is what actually moved, written the way the balance is: $2,500, or $25.50 when there are cents. Pay or withdraw more than the balance holds and only what’s there leaves: the receipt headlines that figure rather than the one typed, a withdrawal’s fee and Arrives are worked out on it, and the balance reads $0.00. From an empty balance nothing leaves at all, and the receipt says so: a grey dash where the tick would be, Not sent in place of Confirmed, $0 with no minus sign, and Not sent · No balance in the Status line.

Where the fee goes

Each action carries the method and fee a real transfer of that kind would, so the receipts differ the way people expect:

• Add money: Standard · 1–3 days, fee $0.00.
• Pay: Instant · free, fee $0.00.
• Withdraw: Instant withdrawal, with a 1.5% fee, and one line the others don’t have, Arrives, which is what’s left after the fee. Withdraw $1,000 and the receipt reads Fee $15.00 and Arrives $985.00, while the balance falls by the full $1,000.00, because the fee comes out of what’s sent.

What you can change

Every field below is in the editor, and the same fields are in the Edit panel inside the installed app, so figures can be changed on the phone between takes.

• Header: Tag, up to 20 characters, and Avatar initials, up to two.
• Balance: Cash balance; Currency, one of ten from US dollars to Philippine pesos, each grouped the way its own apps write it (rupiah with points and no cents, rupees in lakhs); the last digits of the account and routing numbers, up to four each and always shown masked, so there’s never a full number on screen; and Paychecks this month. Switching the currency converts nothing, so retype the figures for it.
• Save & invest: Savings balance, Savings goal, Bitcoin value and Bitcoin change % today. The ring and the to-goal figure are worked out from the first two. The bitcoin card isn’t connected to any market: both its numbers are the ones you type, and its chart is drawn to agree with the percentage, ending higher on an up day and lower on a down one, and wandering more on a day that moved more.
• Theme: Accent, teal by default, which colours the $ button, the savings ring and every incoming amount; and Background, a light grey by default. Choose a dark background and the whole screen turns dark with it.
• Activity: up to eight lines, each with a Name, a Note, an Amount, an Incoming switch and a When.

Only two things move when someone taps: the cash balance and the Activity list. Savings, the goal, bitcoin and paychecks stay exactly where you set them.

Make the figures tell one story

The defaults describe one person: money arriving from Loop Media on Invoice #204 and from a studio session, a paycheck of only $340 this month, a dinner split with a friend. That reads as a freelancer having a good month, and every figure on the screen agrees with it. Whatever character your scene needs, set the fields together rather than one at a time.

• The list sets the scale. Viewers judge a balance by the amounts under it. A student at the end of the month doesn’t have $42,680.50 in cash, and doesn’t get paid $12,500 by invoice, so bring the balance down and the Activity lines with it.
• Paychecks should fit the balance. A large balance beside a small paycheck needs another source of money in Activity, the way the defaults have invoices.
• Balances have cents, and a round $5,000.00 looks typed. Keep the times in order down the list, too: Now, then Today, then Yesterday.

What’s free

Everything works on the free tier: building the app, installing it, and every button on it. You need a free account, which is an email address and a six-digit code, with no card and no password. Free apps carry a SIMULATED · POZER.COM mark on screen, receipts included, and Pro, at US$4.99/wk or US$12.99/mo, removes it.

No APK, no download: how the app gets on Android and iPhone

Searches for a Cash App simulator often end in “apk”, “free download”, “for Android” or just “app”, so here is the plain answer. There is no APK, and Tender isn’t in the App Store or on Google Play, so there’s no file to download and nothing to sideload. It’s a web app. It lives at a link, and you add that link to the home screen: from Chrome on Android, from Safari on iPhone. From then on it behaves as an app, with its own icon and name, opening fullscreen. Building it and adding it to your phone are both free.

That tells you what to avoid, too. A file offered as a “Cash App simulator APK” is a file from someone you don’t know, and anything that asks you to sign in to your real Cash App account puts that account at risk. A prop needs neither. The only sign-in here is to Pozer itself: an email address and the six-digit code it sends you.

Getting it onto your phone

1. Open Tender in the editor: the fields down the side, a live preview of the phone beside them. The preview switches between Money and Activity, but its buttons do nothing: the keypad lives in the installed app.
2. Name the app. The name sits under the icon on the home screen, and the editor offers a few to start from: Tender, Dime, Quid and Greenback. Upload an icon of your own, or let the editor make a letter tile from the name. Set both before installing, because they’re fixed on the home screen the moment the app is added.
3. Fill in your figures and tap Create home-screen app. The first time, it asks for your email and sends you a code.
4. Open the link on the phone you’ll film with. The editor shows a QR code for it; point the phone’s camera at it.
5. On iPhone, in Safari, tap Share, then Add to Home Screen. Chrome and the browsers inside Instagram or TikTok won’t install it properly. On Android, in Chrome, tap ⋮, then Install app.

From then on it opens from the home screen like any other app. Whatever happens on it, a payment or a withdrawal, is still there when you close and reopen it, until you publish a new version, which replaces it. To put the numbers back yourself, hold two fingers still on the screen for a moment: the Edit button, which only you see, appears for five seconds. Tap it, then Reset to published values. The first time you open the installed app, Edit shows itself once, with a note saying how to bring it back.

Filming the money-sent moment

The moment money is sent is short on screen and fiddly to shoot: a thumb, a number, a tap, a confirmation, a face. It works when the phone behaves like a phone, with the amount typed live, the sheet sliding up and the tick drawing itself. It falls apart when the screen is a still image, or when the numbers change between the wide and the close-up.

The screen it builds to, a payment that says it went through, is the one people fake to get sellers to hand things over. In your scene it’s a prop, and the audience knows it. Shown to a real person as a real payment, it’s fraud whichever tool drew it, and accounts that do it are closed. Nothing in this app can pay anyone, and no notification of money arriving goes to anyone: the money only moves inside the phone you’re filming.

The five beats

1. The balance. The character opens the app on Money. If the amount they’re about to send matters, let the audience see the Cash balance first. It’s the largest type on the screen, so it reads even in a medium shot.
2. The decision. The thumb goes to the $ in the middle of the bottom bar and the keypad sheet slides up. Hesitation belongs here, before the tap, where the audience can see the thumb.
3. The amount. The actor types it. A name typed in To (optional) appears on the receipt and in the new Activity line; without one the receipt reads Recipient and the line reads Payment. Pay can’t be pressed until there’s an amount, which gives an actor a natural pause.
4. The confirmation. The insert everyone remembers: the circle, the tick and the amount. On the free tier the receipt carries the SIMULATED · POZER.COM mark too; Pro removes it.
5. The aftermath. The receipt stays until someone taps Done, so hold it as long as the reaction needs. Afterwards Money shows the lower balance, and Activity has a new line at the top: the name, Payment sent · Now, and the amount with a minus sign.

Shots and timings

• Wide or medium. The character and the phone, for geography and the decision. The screen can be soft.
• Over the shoulder. The screen readable without filling the frame: the keypad coming up, the amount appearing.
• Insert. A close-up of the thumb and the screen for the tap and the tick. Shoot it on its own, on a tripod if you can, and roll through the whole action rather than picking it up halfway.
• Reaction. The face after the tap, the payer’s and anyone watching. Often the strongest shot in the scene.

The keypad sheet slides up in 0.28 seconds. After the tap, the circle pops in over 0.42 seconds and the tick draws from 0.16 to 0.66 seconds; from then on the receipt is still until someone touches it. For the insert, roll a couple of seconds before the tap and hold at least two after it, so the tick has room to finish and the editor has somewhere to cut.

What changes between takes

• Every payment stays. The balance a take ends on is the balance the next take starts from, even after the app is closed. Reset to published values, behind the Edit button, before each take.
• The receipt changes every take. Its details are new for every payment, so a wide from take 3 and an insert from take 5 won’t match. Shoot the receipt insert in one take. The status bar above the app shows the phone’s real time and battery too, so takes an hour apart won’t match either.
• Type whole amounts. The receipt headlines the exact amount, cents and all, but Activity rounds to whole units, so −$49.99 on the receipt is −$50 in the list.

The other phone, the sound and a dark room

If the scene cuts to the person being paid, their phone is a second app: publish another copy of Tender with their own tag and balance. Nothing sent from the first phone reaches it, so the money arriving is prepared, not performed. Set the first row of its Activity list to the payer, the reason (Rent, say) and the amount, switch Incoming on and type Now as When, and make the Cash balance already include the money. Don’t reach for Add money for this: its line reads Added money, and its receipt gives the method as Standard · 1–3 days and, unless you type a name, the source as Bank account. That’s money moved in from a bank, not a payment from a person.

The app is silent, with no sound and no vibration, so add the confirmation sound in the edit, and use one of your own rather than a real payment app’s, which belongs to that company as much as its logo does. Turn the brightness up, auto-brightness off and Do Not Disturb on, so a real notification doesn’t slide over a fictional payment. And in a dark room, go dark: the default light grey page makes the phone the brightest thing in a night scene. Set Background to a near-black and the cards, text and pills follow, while the keypad and the receipt are a dark sheet whatever the background.

Where to go from here

• A short film or a TV-style scene: the film prop guide, for planning the phone’s states scene by scene and clearing what goes on it.
• Comedy built on the fee, the savings ring and the activity feed: payment app skit ideas.
• A still for a thumbnail, an insert or a storyboard: the payment app template.
• Every field in one place: the template page.