Beta version

Welcome to the beta version of the Global Payments 2 API! For the generally available Global Payments API, refer to Global Payments.

Zelle®

Zelle® is a 24/7 payment rail that lets you quickly send funds from a J.P. Morgan account to a beneficiary's email address or mobile phone number through the Zelle® network.

Benefits

Speed: Quick availability of funds for beneficiaries.
Coverage: A large footprint in the United States that includes more than 1,800 banks and most consumer accounts.
Ease of use: Easy identification of beneficiaries through email addresses and mobile phone numbers rather than lengthy account and routing numbers.

When to use Zelle®

Insurance claims

Offer consumers a seamless way to receive claim payments.

Gig worker payments

Pay gig workers instantly without their sensitive banking details.

Airline payments

Make payments to recipients for lost baggage, employee compensation, and more.

How Zelle® works

The following image illustrates a high-level overview of a typical Zelle® payment:

The following image illustrates an in-depth overview of a typical Zelle® payment:

Availability

The following table contains the region and country where Zelle® is available for Global Payments API initiation:

Availability of *Zelle*®
Region	Country
North America (NA)	United States

Tip

Zelle® is limited to payouts to an eligible recipient only. Additionally, some banks don't support fast funds, in which case it might take up to two business days for the funds to become available to the beneficiary.

Next steps

Learn about the payment parameters to initiate a Zelle® payment.