Resources
Payment/creditor options
To receive funds, recipients must enroll with Zelle®, a network managed by Early Warning Services.
Response types
Zelle® Disbursements supports the following response types:
Status |
Description |
|---|---|
|
The request was initiated successfully and is being processed by J.P. Morgan. The status will remain PENDING until an event occurs that changes it. |
|
The request failed J.P. Morgan's controls, such as funds control or qualification, or was rejected by the clearing house due to recipient account issues, incorrect instructions, or an unverified recipient. |
|
The funds have been successfully credited to the recipient's payment method. |
Payment limits
Zelle® Disbursements are subject to maximum payment amounts set by J.P. Morgan, which can be configured according to your preferences.
Payment limit (per transaction) |
|---|
$100,000 |
Duplicate logic
Zelle® Disbursements are irrevocable. If the same transaction is sent twice, J.P. Morgan will issue a 202 response with the status of the original transaction. To confirm the status of any transaction, retrieve the status of a Disbursements with Zelle® request.
How we handle duplicate transactions
The Global Payments API supports idempotent calls, which are useful in scenarios such as initiating payments, creating a client, making changes, or retrying a failed request due to network issues.
The Global Payments API considers a Zelle® Disbursement to be a duplicate if the transaction shares the same endToEndId and debtorAccountId as a previous transaction.
If two transactions are sent with the same preceding endToEndId within 30 days, the second transaction will not be processed. You will receive a 202 response with the status of the original transaction.
Backdated transactions
Zelle® Disbursements support backdated transactions up to one calendar day in the past (T-1). Currently, future-dated transactions are not supported for Zelle®.