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Zelle® Disbursements

Zelle® Disbursements is a 24/7 payment rail that lets you send payments through the Zelle® network, making funds available in real time. The general disbursement threshold is $100,000 per transaction, and payments are irrevocable.

Benefits

Zelle® Disbursements benefits include the following:

  • Coverage: A large footprint in the United States that includes more than 1,800 banks and most consumer accounts.
  • Speed: Funds are typically available in near real time (within minutes).
  • Name match: Set up a name match score to increase confidence that payments reach the intended recipient.
  • API-based integration: Built on a unified, ISO-based API structure. allowing for easy integration with modern systems. 

When to use Disbursements with Zelle®

Insurance claims

Insurance claims

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

Gig economy services

Gig economy services

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

Airline payments

Airline payments

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

How Zelle® Disbursements works

Zelle® Disbursements lets our corporate clients send payments using a social alias, such as an email address or phone number. Funds will be available in the recipient's account linked with Zelle®.

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

How Zelle Disbursements work
  1. A sender (individual, small business, or corporation) initiates a request to send money to a receiver, who can be an individual or small business.
  2. The sender’s Financial Institution (FI) sends the payment information to the Zelle® network.
  3. The Zelle® network forwards a message to the receiver's FI.
  4. The receiver’s FI processes the payment for the receiver.
  5. Funds are credited into receiver’s account.
Disclaimer

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

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

Zelle Disbursements end-to-end flow
Tip

Disbursements with Zelle® are limited to payouts to eligible recipients only. Some participant banks aren't fast funds eligible, meaning funds may not be available within 30 minutes of approving the push payment authorization. In such cases, it may take up to two business days for the money to be made available to the recipient.

Availability

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

Zelle® Disbursements availability

Regions

Market/Scheme

North America (WHEM)

United States

Next steps