How to protect your Instacart Shopper earnings while you are alive
There is no way to name a beneficiary or successor on an Instacart Shopper account. Maplebear allows no lifetime transfer of earnings; the account holder can only redeem them.
Maplebear decides requests about Instacart Shopper earnings after a death case by case, so nothing in its terms promises a survivor anything; what the account holder sets up in advance is what holds. There is no way to name a beneficiary or successor on an Instacart Shopper account. Maplebear allows no lifetime transfer of earnings; the account holder can only redeem them.
How to protect your Instacart Shopper earnings
Naming who acts after a death
- Designation
There is no beneficiary designation and no self-service account transfer, so an heir cannot step into the account.1
What Maplebear Inc. (dba Instacart)'s terms say about sharing and transfers3
- Pooling with family
Instacart does not offer family sharing, pooling or co-ownership of a shopper account. Money leaves only as the shopper's own payout, by weekly direct deposit or Instant Cashout to a bank account or debit card the shopper controls.1
- Transferring the account or registration
The Shopper Application Terms grant only a non-exclusive, non-transferable, non-sublicensable license to the Shopper App, and the shopper may not rent, lease, sell, transfer, redistribute or sublicense it.2
Sources4
- 1.Instacart Independent Contractor Agreement (United States)
- 2.Instacart Shopper Application Terms and Conditions, Last Updated: December 10, 2020
- 3.Coming Soon: New Shopper Rewards Card Will Offer Fast, Free Payouts & Cashback on Gas, June 27, 2025
- 4.Shopper Earnings
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Sources
Data sourced from Maplebear Inc. (dba Instacart) primary sources (8 pages reviewed). How we research.
Instacart Shopper customer support
Instacart Care
Phone
Website
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