Accept real-time FedNow® and Zelle® payments with one simple API.
Automatically accept chargeback-free 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.
US consumers spent $629 billion via Zelle® in 2022, a 28% year-over-year growth from 2021.
82.7% of US adults and 98.4% of those in the top 35% wealth percentile have access to Zelle® in their banking app.
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.
Furthermore, customers are unable to charge back Zelle® payments from you once completed.
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.
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.
Your customers can shop discreetly without the need to use their credit cards or having purchase details show up on their statements.
CPT PH STAIRCASE spans floors 129-131 Photo Credit Evan Joseph