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Accept real-time FedNow® and Zelle® payments with one simple API.

  • Automatically accept FedNow® and Zelle® payments in your app or website. Receive funds in your bank account in real-time, bypassing any intermediaries such as Stripe and PayPal.

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  • US consumers spent $806 billion via Zelle® in 2023, a 28% year-over-year growth from 2022.

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  • 82.7% of US adults and 98.4% of those in the top 35% wealth percentile have access to Zelle® in their banking app. 

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Sign up:

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No restrictions to sign up. All you need is a US bank account (business or personal).

We are unable to report any transactions to the IRS, even if the total is more than $600. The law requiring payment processors to provide forms 1099K for information reporting does not apply to the Zelle Network®.

 

If payments you receive are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional. Learn more

Customer funds are deposited into your US bank account in real-time.

 

At no point do we gain access to your funds or possess the ability to freeze or lock them. 

Start with a 4.9% fee on total payment volume, reduced to 3.9% after the first $250,000 and further to 2.9% beyond $1,000,000.

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Ideal for micropayments - unlike with credit cards, a $1 transaction over Zelle® won't incur a 30 cent fee. 

 

Consider that with Stripe's fee structure of 2.9% + 30 cents, transactions under $30 cost at least 3.9%.

Our real-time bank payment platform is the ideal solution for privacy-focused consumers who often hesitate to disclose their credit card credentials. 

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Your customers can shop discreetly without the need to use their credit cards or having purchase details show up on their statements.

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