Zelle

pmt_zelle

Zelle 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:
Initiation:
Users
81M
Markets
2
TPV
$90B
Transactions
340M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

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

Standards