Zelle® Disbursements

COMMERCIAL

Zelle® Disbursements

A fast and easy way for companies and government agencies to send money directly to their customers’ bank accounts using only the recipient's email address or U.S. mobile number.1

Why use Zelle®

  • Fast – Money is sent directly to customers’ bank accounts. No need to send a costly check or prepaid card through the mail; the money will be sent directly to their existing bank account.
  • Private – Send money using just an email address or U.S. mobile number. There’s no need to store customers' bank account details.
  • Easy – Your customers can enroll with Zelle® in just a few simple steps. If they’re already using Zelle®, they just need to provide you with their enrolled email address or U.S. mobile number when they opt-in to receive electronic payments from you.

How it Works

Step 1:

Corporate customer invites consumers to opt-in to receive payment via Zelle®.

Step 2:

Corporate customer sends payment file to Zelle® member bank including recipient’s email address or U.S. mobile number and payment amount.

Step 3:

Recipients already enrolled with Zelle® receive an email or text notification from their bank or credit union indicating a payment has been received.

Step 4:

Recipients not yet enrolled with Zelle® receive a notification of payment and instructions for how to complete a simple one-time enrollment.

Use Cases

  • Insurance refunds

  • Student per diem

  • Rebates

  • Payroll

  • Travel & expense reimbursements

  • Tip payouts

  • Tax refunds

  • And much more

If you are a corporate or government entity interested in offering Zelle® as a disbursement solution, connect with your treasury bank.

Bank of America logo
BMO logo
BNY Mellon logo
Citibank logo
JPMorganChase logo
PNC logo
Truist logo
USBank logo
Wells Fargo logo
Western Alliance Bank logo

Financial Institutions

FINANCIAL INSTITUTIONS

Join the Zelle® Network Today

Over 2,400 banks and credit unions offer Zelle® to their customers and members. With the rise of digital payments, offering Zelle® can help financial institutions keep customers in their online banking and mobile app experience.

Benefits of offering Zelle®

Help reduce cash and check management expenses.

Increase engagement and deepen customer relationships. Banks and credit unions report customers using Zelle® also use more of their other products and services.*

Attract and retain customers and members. Zelle® users are more profitable and stay with their FI longer.*

Drive customers and members to your app to help you maintain a central role in their financial lives.

Zelle® Solutions for Banks and Credit Unions

Peer-to-Peer Payments

Zelle® is a convenient way to send and receive money with friends, family, and others you trust. Integrated directly into your online banking and mobile app, there is no need for your customers to download an additional app, allowing you to further engage with them in your mobile experience.

Small Business

Zelle® can help eligible small businesses send or receive money on-the-go, reducing the need for cash or checks.

Disbursements

Corporate and government clients can send disbursements quickly and easily, without checks or the need to store sensitive customer account details.**

Interested in getting started with Zelle®?

Join thousands of banks and credit unions already signed up to offer Zelle®. Select your reseller below. If you do not work with one of the resellers, complete the form and an Early Warning representative will contact you.

Let’s talk about what the Zelle® network can do for you.

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* “Zelle® Closes 2020 with Record $307 Billion Sent on 1.2 Billion Transactions”, March 19, 2021.

** Eligible checking or savings account required to use Zelle®. Transactions sent to enrolled users typically occur within minutes.

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