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Zelle

Country: United States (US)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 75%

Zelle is Early Warning Services' real-time interbank P2P and merchant transfer network embedded across thousands of US banking apps.

🔄 User Payment Flow

  1. Customer selects Zelle at merchant checkout and receives merchant Zelle email / phone identifier
  2. Customer opens their mobile banking app (e.g. Chase, Bank of America, Wells Fargo)
  3. Customer sends Zelle instant payment to merchant identifier
  4. Zelle clears funds in minutes directly between bank accounts and notifies merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API generates Zelle payment token reference payload
  • PSP issues payment token and Zelle registered alias string
  • PSP receives Zelle bank clearing callback and updates merchant order status