Zelle allows small businesses to send and receive payments instantly using a registered email address or U.S. mobile number — no card reader or merchant account required.
Key Features
Instant Transfers: Money arrives in minutes to your business bank account.
No Fees: Zelle doesn’t charge processing fees (though your bank might).
Mobile Integration: Customers pay using their bank’s mobile app.
Simple Setup: Just register your business email or phone with your bank’s Zelle service.
Use Cases for Small Businesses
1.Takeaway Orders: Customers pay via Zelle at the counter using your business phone/email.
2.Employee Bonuses: Send thank-you payments instantly.
3.Supplier Payments: Split costs or settle invoices with other vendors.
Which Banks Support Zelle for Business?
Most major U.S. banks offer Zelle for business accounts, including:
Bank Zelle Business Support
Chase Yes
Wells Fargo Yes
Bank of America Yes
U.S. Bank Yes
You must enroll your business account with Zelle through your bank’s app or online banking portal.
Limitations
No public API for developers or POS integration.No international payments.
You can use Plaid to fetch Zelle transactions from your bank feed, but not to send/receive payments.
Automation Tip for Evergreen Farms
To automate Zelle payment detection and notify your billing desk manager:
Use Plaid’s Transactions API to fetch bank activity.
Filter for "Zelle" in transaction names.
Trigger a notification (email/SMS/Slack) when a Zelle payment is detected.
Sources:
Zelle for Business – Official Site (https://www.zelle.com/business)
NerdWallet: Zelle for Business Overview (https://www.nerdwallet.com/business/software/reviews/zelle-for-business)
FitSmallBusiness: How to Use Zelle for Business (https://fitsmallbusiness.com/how-to-use-zelle-for-business/)
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