Zelle^® for Your Business FAQs

Zelle^® is a convenient way to send money with friends, family, other people, and small businesses you know and trust. You can send money to parties with an eligible U.S based bank account using their email address or U.S. mobile number. 

When you enroll with Zelle^® using Wells Fargo Online^®, Wells Fargo Business Online^®, or Wells Fargo Mobile^®, we establish a connection between your email address or U.S. mobile phone number and your eligible Wells Fargo checking or savings account.

You can use Zelle^® to send money to people you know or trusted small businesses 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 eligible small businesses you know and trust. 

Check with your recipient to ensure their correct email address or U.S. mobile phone number is enrolled in Zelle^® so they can receive money.

Please contact Wells Fargo Online Customer Service at 1-800-956-4442, 24 hours a day, 7 days a week. Qualifying imposters scams may be eligible for reimbursement.

You are protected in the unlikely event an unauthorized user accesses your accounts and initiates payments using Wells Fargo Online^®, Wells Fargo Business Online^®, or Wells Fargo Mobile^®.

However, because Zelle^® is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction. Once you send money with Zelle^® you cannot cancel the payment if your recipient has already enrolled. Neither Wells Fargo nor Zelle^® offers a purchase protection for payments made with Zelle^® — for example, if you do not receive the item you paid for, or the item is not as described or as you expected. We recommend you only send money to known and trusted recipients when using Zelle^®.

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, Small Business Account Analysis fees) 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. The amount of money you can send will vary based on 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.

Transfers to established recipients from a Wells Fargo funding account may be made up to a 24-hour rolling daily dollar limit of $3,500 and a 30-day rolling dollar limit of $20,000 for most consumer accounts. Those with a Small Business account relationship will have a rolling 24-hour dollar limit of $15,000 and a 30-day rolling dollar limit of $60,000.

Receiving limits

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

Note: 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.

These limits apply only to Zelle^® payments when initiated from Wells Fargo Online^® or the Wells Fargo Mobile^® app. For more information about Zelle^®, see the Zelle^® Transfer Service Addendum.

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

Scheduled Zelle^® payments are usually sent in minutes, just after midnight on the day they’re scheduled. You’ll see Zelle^® payments you’ve sent, received, or requested in the last 24 months in Activity, and you can also see them on your monthly statement in Account details. They’ll appear on your statement as Zelle^® scheduled payments or Zelle^® repeating payments.

For a full list of participating financial institutions, visit zellepay.com/get-started.

Remember to only use Zelle^® to send money to friends, family, and others you know and trust.

When you enroll your email address, U.S. mobile number, or Zelle^® tag with Wells Fargo to send or receive money with Zelle^®, you are establishing a connection between the email address, U.S. mobile number, or Zelle^® tag and your bank account where we will deposit your funds. When someone sends you money, they use your enrolled email address, U.S. mobile number, or Zelle^® tag. Once the payment is received, we will deposit the funds into that account.

U.S. mobile numbers, email addresses, and Zelle^® tags can be enrolled to send and receive money with only one financial institution, at a time. If a U.S. mobile number, email address, or Zelle^® tag in your Wells Fargo profile is already enrolled elsewhere, you can transfer the enrollment so money sent to that mobile number, email address, or Zelle^® tag will be received by your Wells Fargo account instead. Only email addresses, U.S. mobile numbers, or Zelle^® tags can be used to send and receive money. Voice over Internet Protocol (VoIP), toll-free numbers, or landline numbers are ineligible and subject to deregistration.

Follow these steps to send money with Zelle^®:

1. Go to Send Money with Zelle^®
   Sign on to Wells Fargo Online^®, Wells Fargo Business Online^®, or Wells Fargo Mobile^®. If you’re on a smartphone, select Zelle^® in the bottom navigation bar. If you’re on a desktop computer or tablet, then go to select Send Money with Zelle^® under Transfer and Pay in the main menu. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions. We recommend you also enroll an email address or U.S. mobile number and link a deposit account so you can receive money with Zelle^®.
2. Add or select recipient
   To add a trusted recipient, select Send or Request on your smartphone 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 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 14 days to complete their one-time registration 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.

When you’re setting up your payment, turn on the Repeat payment toggle. This will allow you to set up a payment series or use the calendar to schedule a single payment sometime in the future.

Payments can be scheduled up to a year in advance. Keep in mind you can only send a scheduled or repeating payment to enrolled Zelle^® users.

Go to Scheduled to see all of your future payments, including one-time payments or any repeating series. Once each payment is complete, it will move to Activity, along with other completed payments.

You can also access canceled payments in Scheduled, for up to two years after cancellation

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. You can find a full list of network banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

To receive money you must enroll an email address, U.S mobile number, or Zelle^® tag with Zelle^® in Wells Fargo Mobile^®, Wells Fargo Online^®, or Wells Fargo Business Online^®. When you enroll an email address, U.S. mobile number, or Zelle^® tag, 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, U.S. mobile number, or Zelle^® tag, to the person sending you money. They can use it to send you money, whether through Wells Fargo, another Zelle^® network financial institution.

When someone sends you money, you’ll be notified by email or text message. The funds will be automatically directed into the account you’ve linked to your Zelle^® profile as your deposit account.

Yes, you can enroll up to 5 U.S. phone numbers, email addresses, or Zelle^® tags per business to receive money with Zelle^®. They can then be used by a customer or another eligible small business with a bank account in the U.S. to send you money.

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

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, U.S. mobile number, or Zelle^® tag.

A Zelle^® tag is a unique identifier for small businesses, much like a username, that allows you to get paid with Zelle^® without having to share your contact information.

To start, think about a Zelle^® tag that fits your small business. For example, if your small business is ABC Company, you might select abc-company as your Zelle^® tag.

You can create a tag in Zelle^® Preferences. When choosing your tag, consider a few requirements:

• Tags must be between 6 - 40 characters in length
• They must include at least 2 different letters
• You can use letters, numbers, and the hyphen (-) symbol.
• Tags can’t be all numbers.

You can also send money to a customer, eligible small business, supplier, or vendor if they are enrolled with Zelle^®. To do so, go to Zelle^® in our mobile app and tap Send Money. When sending to someone new it’s always important to confirm the recipient is correct by reviewing the contact name displayed before sending money.

You can request money from another person using Wells Fargo Mobile^®, Wells Fargo Online^®, or Wells Fargo Business Online^® on your smartphone. You have the option of choosing a recipient (the person who will receive your request) or adding a new one. You should be all set once you enter and review your request amount. Keep in mind, to send payment requests to a U.S. mobile number, the number must already be enrolled with Zelle^®.

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

If your recipient did not receive your payment, make sure they've enrolled an email address, U.S. mobile, or Zelle^® tag number with Zelle^®. If they are enrolled, check that the email address, U.S. mobile number, or Zelle^® tag 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.

Same-day Zelle payments are sent immediately. If your recipient has already enrolled with Zelle^®, the payment is sent directly to their bank account and cannot be canceled. Keep in mind that Zelle^® transactions are not covered by the same protections as credit card and debit card transactions.

If the payment is still pending because your recipient has not yet enrolled, you may cancel it. Go to your Zelle^® Activity, choose the payment you want to cancel, then select Cancel payment.

Scheduled payments can be canceled until 11:30pm PT, the day before the payment’s scheduled to send. Go to Scheduled and tap on the payment you’d like to cancel to get started. You can cancel a series or skip a single payment in a repeating series, if you don’t want the next payment to go out as planned.

We recommend that you only use Zelle^® to send and receive money with people and small businesses you know and trust. Always remember to carefully verify your recipient’s email address, U.S. mobile number, or Zelle^® tag before you send money.

Once a payment has been sent, it can’t be reversed.

We’ll email you and send you a secure inbox message whenever you schedule a payment or make changes to a payment. You’ll also get email notifications if a payment fails or is canceled. Make sure the information in your profile is up to date so you can get those messages.

Wells Fargo may also 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). These messages 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.

Wells Fargo will never text or call to ask for this code once we’ve sent it to you.

Your Zelle^® Activity displays Zelle^® payments you’ve sent, received, or requested in the last 24 months , sorted by Completed 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.

Your QR code includes your first name or business name and either the email address, U.S mobile number, or Zelle^® tag you’ve linked to your account.

iOS
To scan a QR code, you’ll need to give the Wells Fargo app access to your camera. First, go to Settings and tap Privacy. Then, select Camera and turn on access for the Wells Fargo app.

Android
To scan a QR code, you’ll need to give Wells Fargo access to your camera. First, go to Settings and tap Apps and Notifications. Then, tap App Info and select Wells Fargo. Next, tap Permissions and slide the Camera permission from Off to On.

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.

1. Go to Send Money with Zelle^®
   Sign on to Wells Fargo Online^®, Wells Fargo Business Online^®, or Wells Fargo Mobile^®. If you’re using a smartphone, select Zelle^® in the bottom navigation bar. If you’re on a desktop computer or tablet, go to Send Money with Zelle^® under Transfer and Pay in the main menu. 
2. Add or select recipient
   To add a trusted recipient, tap Send. Enter donations@redcross.org and American Red Cross as the business name, then select Continue.

For more information visit or call 800-797-8022.

The American National Red Cross is registered as a 501(c)(3) non-profit organization. Contributions to the American Red Cross are tax-deductible to the extent permitted by law. The American Red Cross' tax identification number is 53-0196605.

Receipts will be issued upon request for donations greater than $250 by the American Red Cross.

100% of your donation will go directly to help the American Red Cross Disaster Relief. Your donation helps the Red Cross prepare for, respond to, and help people recover from nearly 64,000 disasters a year nationwide like hurricanes, wildfires, earthquakes, and countless other crises.