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Zelle®

Zelle® is a 24/7 payment rail that allows J.P. Morgan corporate clients to pay funds to an eligible recipient via the Zelle® network, making funds available to the recipient in real time. Zelle® has a general funds disbursement threshold of $100,000 per transaction. Payments are irrevocable.

The process:

A sender (individual, small business, or corporation) initiates a request to send money to a receiver (individual or small business).
The sender’s Financial Institution (FI) sends payment information to the Zelle® network.
The Zelle® network sends a message to the receiver’s FI.
The receiver’s FI memo posts the amount to the receiver’s bank account or debit card.
The money moves via next day ACH.

Disclaimer

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Benefits

Key Zelle® benefits include:

Coverage

Widespread U.S. only footprint includes over 1800 banks and most consumer DDAs.

Efficiency

Only need a social alias (email address or phone number) to transfer funds.

Speed

Funds available in near real time (typically within minutes).

Name Match

Confidence score determines if there is a name match for payment to reach intended recipient.

API based integration

Built on a unified API (REST) ISO based structure. Modern APIs and industry standard ISO structure allows ease of integration.

When to use Zelle®

Insurance claims

Zelle® is a fast, easy method for insurers that want to offer consumers a seamless way to receive claim payments.

Gig economy services

Ride share companies can use Zelle® as a point of differentiation to attract and retain workers.

Airline payments

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

How Zelle® works

Zelle® is a 24/7 messaging network that enables J.P. Morgan corporate clients to send payments using a social alias (email address or phone number). Funds will be available in the recipient’s account linked with Zelle®.

The following diagram provides a detailed end-to-end payment flow for Zelle® payments:

Availability

Zelle® is currently available in the following regions and markets:

*Zelle*® availability
Regions	Market/Scheme
North America (WHEM)	United States

Tip

Zelle® disbursements are limited to payouts to an eligible recipient only. Additionally, some participant banks aren't fast funds eligible (funds available within 30 minutes of approving the push payment authorization). In this scenario, it may take up to two business days before the money is made available to the recipient.

Understand required payment parameters.

Next steps

Learn how to initiate a Zelle® payment.