This FAQ is for informational purposes and only relates to the Zelle Network®. Zelle® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.
 

Does Zelle® report how much money I receive to the IRS?

Zelle® does not report transactions made on the Zelle® network to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® network.
 

Does Zelle® tax me on money that I receive?

Zelle® is a payment platform. Zelle® does not impose taxes on transactions made on its network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
 

Will Zelle send me a 1099K form?

Zelle® does not issue 1099K forms for payments made on the Zelle® network.
 

Does Zelle® report any payments I receive over $600 to the IRS?

Zelle® does not report any transactions made on the Zelle® network to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
 

I have a small business account. Will Zelle® report how much money I receive to the IRS?

Eligible small businesses can use Zelle® to send and receive money. Zelle® does not report transactions made on the Zelle® network to the IRS, including payments made for the sale of goods and services. The law requiring certain payment networks to provide forms 1099K for information reporting on the sale of goods and services does not apply to the Zelle® network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

It’s easy — if your bank or credit union offers Zelle®, it’s already available in your mobile banking app or online banking! Check your mobile banking app or sign-in to your online banking site and follow a few simple steps to enroll with Zelle®. You can find a list of participating banks and credit unions offering Zelle®.
 

Don’t see your bank or credit union listed? Don’t worry! Our network of participating financial institutions is always growing. Keep checking our Get Started page to see if your bank or credit union has joined.

You can send, request, or receive money with Zelle®. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes¹. To receive money, just share your enrolled email address or U.S. mobile number with a friend or person you trust and ask them to send you money with Zelle®.

Don’t worry! Our network of participating financial institutions is always growing. Keep checking our Get Started page for the full list.

Zelle® is a great way to send money to friends, family or others you trust. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk.
 

Zelle® does not offer purchase protection - for example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected. You may check with your financial institution to confirm if purchase protection is offered under certain terms and conditions.

If your bank or credit union offers Zelle®, you can send money to people you know and trust with an eligible bank account in the U.S.
 

Don’t know if your bank offers Zelle®? Check here to see if they offer Zelle®.

Knowing your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a purple “Z”. Don’t see the purple “Z” on a contact? Not a problem! You can still send them money with Zelle®.
 

What are my options if I don't want others to see the purple "Z" and know that I'm using Zelle®?

At present, the only option is to unenroll from Zelle®. We don't want to see you leave, but if you've made that decision, please contact your bank or credit union to unenroll with Zelle®.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes¹.

If you have not yet enrolled your Zelle® profile, follow these simple steps:
 

1. Click on the link provided in the payment notification.
2. Select your bank or credit union.
3. Follow the instructions provided on the page to enroll and receive your payment.

Note: Make sure you check that the email address or U.S. mobile number that you provided to the sender is enrolled with Zelle®. If you provided an email address or U.S. mobile number that is not yet enrolled with Zelle®, contact your bank to register your email address or U.S. mobile number that your sender used to send the payment with Zelle®.

Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.
 

• Find Zelle® in your banking app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen.
• Your phone’s camera will open.
• To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way!

When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
 

How do I find my own Zelle® QR code?

To locate your own Zelle® QR code, click the “My Code” tab. From here you can view your QR code and use the print and share icons to text, email or print your Zelle® QR code.
 

Note: The QR code is not available at all Financial Institutions.
 

After scanning a Zelle® QR code and landing on zellepay.com, I located my bank, but it says the ability to use a Zelle® QR code is coming soon. Now what do I do?

Your bank or credit union does not offer Zelle® QR code yet. Until it does, you can still send money to those you know and trust by opening your banking app and sending money using the recipient's U.S. mobile number or email address.
 

After scanning a Zelle® QR code and landing on zellepay.com, I located my bank, but it says the ability to use a Zelle® QR code is coming soon. I know my financial institution offers Zelle® QR code, so now what?

When in doubt, open your bank or credit union app and navigate to Zelle®. If your bank or credit union offers Zelle® QR code, you will be able to click the QR code icon displayed at the top of the “Select Recipient” screen, scan the QR code and send money. If they do not yet offer Zelle® QR code, you can still send money the way you have before by using the recipient’s U.S. mobile number or email address.

If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled.
 

Once they’ve enrolled their profile, they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll their Zelle® profile within 14 days, the payment will expire, and the funds will be returned to your account.

Yes! They will receive a notification via email or text message. The message may be sent by Zelle® or by their bank or credit union.

Please contact your bank or credit union directly to learn more about their sending and receiving limits through Zelle®.

First, check the payment status within your payment activity in your bank’s online or mobile service. If the payment status is pending, the recipient may not have enrolled their mobile number or email address to receive the payment. At this point, you have the option to cancel the payment.
 

If the payment status is completed, then the money is already in the recipient’s bank account. If you aren’t sure of the status of your payment, contact your bank or credit union’s customer support team.

If you sent money to the American Red Cross with Zelle®, the American Red Cross will provide you with a receipt upon request. To obtain a receipt, contact the American Red Cross customer service line at 855-266-0721 or email donorsupport@redcross.org. The American Red Cross will need your first name, last name, donation amount, and donation date in order to obtain a receipt.

No, Zelle® payments cannot be reversed. With Zelle® money moves into an enrolled recipient’s account within minutes and cannot be reversed.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, choose the payment you want to cancel, and then select “Cancel This Payment.”
 

If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Please contact your bank or credit union’s customer support team. Qualifying imposter scams may be eligible for reimbursement.
 

You may also report impostor scams to the Federal Trade Commission.