Zelle^® for Your Business FAQs

Zelle^® is a convenient way to send and receive money with customers, vendors and other small businesses you know and trust. You can send and receive money with almost anyone with an eligible U.S based bank account using just their email address or U.S. mobile number.

When you enroll your business email address or U.S. mobile number with Zelle^® using Wells Fargo Online^® or the Wells Fargo Mobile^® app, we establish a connection between that contact method and your eligible Wells Fargo business account.

You can use Zelle^® to send and receive money with almost any person or small business with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks. For your protection, you should only use Zelle^® when sending money to people or small businesses you know and trust. To send and receive money with a small business, both parties must be enrolled with Zelle^® directly through their U.S.-based financial institution’s online or mobile banking experience.

Neither Zelle^® nor Wells Fargo offers purchase protection for payments made with Zelle^® if you do not receive the item you paid for or the item is not as described or as you expected. 

Zelle^® is intended to replace instances where cash and checks are being exchanged, so you may not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute authorized payments. Once you send money with Zelle^®, you cannot cancel the payment if your recipient has already enrolled.

Wells Fargo does not charge a fee to send or receive money with Zelle^®. However, when using Zelle^® on a mobile device, your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle^®.

For your security, we restrict the amount of money you can send to recipients. These limits will vary based on a number of factors, such as the type of funding account you use, your account and online banking history, your recipient and the transaction history for each recipient. If there is a change to your recipient's enrollment with Zelle^®, the limits may be adjusted.

Send limits
There are rolling daily and 30-day limits for established recipients. Note that the amount of money you can send to a new recipient may initially be lower. However, we may adjust the limit when you send subsequent payments to the same recipient.

Your rolling daily limit is the maximum you can send over a period of time going back 24 hours. Your rolling 30-day limit is the maximum you can send over a period of time going back 30 days.

Receiving limits
We do not limit how much money you can receive with Zelle^® using your email address or U.S. mobile number. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution.

For more information about Zelle^® sending limits with Wells Fargo, see the Zelle^® Transfer Service Addendum.

Once your recipient enrolls either a U.S. mobile number or email address with Zelle^®, payments are typically delivered within minutes. In some cases, we may need to delay or block a payment for your protection.

When you enroll your email address or U.S. mobile number with Wells Fargo to send or receive money with Zelle^®, you are establishing a connection between the email address or U.S. mobile number that you enrolled with Zelle^® and your eligible business account. When someone sends you money, they use your enrolled email address or U.S. mobile number. Once the payment is sent, it will go directly into your account, typically in minutes.

U.S. mobile numbers and email addresses can be enrolled to receive money with only one financial institution at a time. If your U.S. mobile number or email address is already enrolled with Zelle^® elsewhere, you can transfer the enrollment so money sent to that U.S. mobile number or email address will be deposited into your Wells Fargo business account instead. Only email addresses or U.S. mobile numbers can be used to receive money. VoIP or landline numbers are ineligible and subject to deregistration.

Follow these steps to send money with Zelle^®:

1. Go to Send Money with Zelle^®
   In the Wells Fargo Mobile^® app, select Pay and Transfer and tap Zelle^®. On Wells Fargo Online, go to Send Money with Zelle^® located under Transfer & Pay in the main menu. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions.
2. Add or select recipient
   To add a recipient, select the “+” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name (smartphone) or the arrow to the right of their name (desktop and tablet) to continue.
3. Enter amount and select your funding account
   Enter the amount you want to send and choose an account to fund your payment. Next, select Continue.
4. Review and send
   Carefully review the details of your payment before you send it. If it’s the first time you’ve sent money to this recipient, we will send you an access code to help verify your identity. If your recipient’s U.S. mobile number or email address is enrolled with Zelle^®, we’ll display the name of the recipient on record before you continue (in some cases, this may only be a first name). After you send your payment, you’ll get a confirmation screen with the details of your payment.
5. Recipient is notified
   Your recipient will be notified by email or text message with the details of your payment and instructions on how to enroll to receive the money if action is necessary.
6. Recipients must enroll to receive money
   If your recipient is not enrolled with Zelle^®, they’ll need to enroll to receive money. They will have fourteen (14) days to complete their one-time enrollment using the same email address or U.S. mobile number you used to send them the payment. If your recipient does not enroll with Zelle^® within 14 days, the money will be returned back to your account. Once your recipient enrolls with Zelle^®, this and all future payments to them are typically delivered in minutes. In some cases, we may need to delay or block a payment for your protection.

Wells Fargo may send you text messages related to your Zelle^® activity (like when you add a new recipient or when you send money to a first-time recipient). Wells Fargo text messages related to Zelle^® will come from either 93557 or 93729. You can stop text messages related to Zelle^® by following the instructions found in the body of the text messages.

Wells Fargo will need to help verify your identity before processing some Zelle^® payments, including when you send money to a first-time recipient. This step requires us to send you a text message code. To complete this verification step, you must have either a text-enabled mobile device or an RSA SecurID device.

To receive money, you must enroll an email address or U.S. mobile number with Zelle^® through Wells Fargo Online^® or Wells Fargo Mobile^®. When you enroll a U.S. mobile number or email address, you’ll also assign a deposit account for each one. When someone sends you money, the money will go directly into that deposit account, and you’ll be notified by email or text message.

Once enrolled, provide that email address or U.S. mobile number to the customer or vendor sending you money. They can use it to send you money, whether through Wells Fargo or another Zelle^® participating financial institution. 

If your customer is using Zelle^® through their banking app, they’ll be able to pay you with Zelle^®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

You can request money with Zelle^® through Wells Fargo Online^® or the Wells Fargo Mobile^® app. To send a request for money, select Pay & Transfer, Zelle^® and Request. From there, select a recipient (the person who will receive your request) from your list of recipients or add a recipient by selecting the "+” icon. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®. Next, enter the amount of your request, review it, and select Send.

Before you can request money, you must have enrolled an email address or U.S. mobile number with Zelle^®.

If your recipient did not receive your payment, make sure they have enrolled an email address or U.S. mobile number with Zelle^®. If they are enrolled, check that the email address or U.S. mobile number you used to send money to your recipient is the same contact method they used to enroll with Zelle^®.

You can check the payment status in your Zelle^® Activity. In some cases, payments may be delayed or blocked for your protection

For additional help, you can call Wells Fargo Online Customer Service at 1-800-956-4442, 24 hours a day, 7 days a week.

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact Wells Fargo Online Customer Service at 1-800-956-4442 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.  

If you try to send money to a consumer who is enrolled in the Zelle^® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending or receiving money to users enrolled in the Zelle^® app.   

If you sent money to the wrong person, please immediately call Wells Fargo Online Customer Service at 1-800-956-4442 so we can help you

Your Zelle^® Activity displays payments you’ve sent or received with Zelle^® in the last 90 days, sorted by Past or Pending.

You can search for and view payments sent or received with Zelle^® in the last 18 months in your Account Activity.

If you have more than one person authorized to access your Wells Fargo accounts, both you and those with authorized access can see payments received into those accounts in your Zelle^® Activity. You will only see payments you send from that account, however. Payments sent by other authorized users can be found in your Account Activity.

Keeping your money and information safe is a top priority for Wells Fargo. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your Wells Fargo account safe.

In order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle^® app.

Yes! Small business owners, key executives and partners can send and receive money with almost anyone with an eligible U.S. based bank account using just their email address or U.S. mobile number.

Please call Wells Fargo Online Customer Service at 1-800-956-4442 so we can help you.