Users
81MZelle is a US bank-account payment service for sending money to enrolled recipients through participating banks. It uses contact details for transfers, connecting bank accounts without a stored wallet balance, with business use and protections dependent on bank and transaction.
Use cases:
Channels:
Initiation:
Markets
2TPV
$90BTransactions
340MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
No PSP implementations have been mapped for this method yet.
Schemes
Compliance
Regulator
Federal Reserve Board of Governors




