Steps to Test Real Zelle Payments via Plaid
Both parties must have Zelle-enabled bank accounts (e.g., Chase, Wells Fargo).
Send a real Zelle payment from one person to another.
Connect the recipient’s bank account to Plaid using Plaid Link.
Use Plaid’s /transactions/get or /transactions/sync API to fetch transactions.
Optionally, set up webhooks to get real-time updates when the transaction posts.
For testing, even a $1–$5 Zelle transfer is sufficient to verify Plaid’s ability to detect it.
Best Plaid Subscription Plan for Zelle Transaction Fetching
Based on our business needs and the pricing table you uploaded, here’s the recommendation:
Pay-As-You-Go Plan
Feature Value for Evergreen Farms
Best For Testing & Early Launch
Core Products Transactions, Auth, Balance
Pricing ~$0.42/month per account
Estimated Monthly Cost $500–$2K for 1K connections
Commitment No long-term contract
Why It’s Ideal
Supports daily transaction fetching.
Includes webhook support for real-time updates.
Scales with usage — perfect for testing and gradual rollout.
Detects Zelle payments if they appear in the bank feed.