Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust - no matter where they bank1.
It's important that you know and trust those you send money to.
Because once you authorize a payment to be sent, you can't cancel it if the recipient is already enrolled in Zelle®. Why? Because money moves quickly - directly into the recipient's bank account typically within minutes1.
Security and Sending Money Safely
You don’t need to share sensitive financial or personally identifiable information when sending or receiving money with Zelle®. Whether you’re using the Zelle® app or using Zelle® directly through your bank or credit union’s banking app, the only information you’ll need to share is an email address or U.S. mobile number tied to a bank account in the U.S. Additionally, authentication and monitoring features are in place to help make your payments secure when you’re sending and receiving money.
Resources & Tips for Sending Money Safely
- Confirm your recipient’s contact information. Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check.
- Beware of payment scams. If an offer sounds too good to be true, it probably is. For example, is a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle®? Think twice. Make sure you only send money to people you personally know and trust.
- Understand your payment options. If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what’s offered. Unlike a credit card, Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item or the item is not as described or as you expected.
If you’d like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).
Responsible Disclosure Program
If you are a security researcher and would like to report a vulnerability that you believe you’ve found in Zelle® or any products of Early Warning Services* (the company behind Zelle®), we would like to work with you to investigate the issue. We ask that you do not disclose your finding publically, and allow a reasonable timeframe for us to address your report. Our responsible disclosure program is currently managed by HackerOne.
*About Early Warning Services, LLC
Early Warning delivers innovative payment and risk solutions to financial institutions nationwide. For over 25 years, Early Warning has been a leader in technology that helps move money fast, safe and easy. We serve a diverse network of approximately 2,500 financial institutions, government entities and payment companies. For more information, visit www.earlywarning.com.