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Zelle® for Your Business FAQs

What is Zelle®?

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

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

Who can I send money to?

You can use Zelle® to send money to 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 or 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.

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

Does Wells Fargo or Zelle® offer a protection program?

Neither Wells Fargo nor Zelle® offers a protection program for any authorized 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.

Zelle® is intended to replace instances where cash and checks are being exchanged, so you do 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.

We recommend you only send money to known and trusted recipients when using Zelle®.

Is there a fee for Zelle®?

Wells Fargo does not charge a fee to send or receive money with Zelle® through Wells Fargo Online® or Wells Fargo Mobile®. However, when using Zelle® on a mobile device, your mobile carrier’s message and data rates may apply.

How much money can I send and receive with 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.

Receiving limits
We do not limit how much money you can receive with Zelle® using your email address or U.S. mobile phone number. 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. You can receive up to $10,000 per day into each eligible account when someone sends you money using your account number. Payments sent or received using an account number are subject to limits governed by Wells Fargo and not Zelle®.

For more information about Zelle® sending and receiving limits with Wells Fargo, see the Zelle® Transfer Service Addendum. These limits apply only to Zelle® transactions when initiated from Wells Fargo Online® or Wells Fargo Mobile® app.

When will my payment arrive with Zelle®?

Once your recipient enrolls either a U.S. mobile phone 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.

What does enroll mean?

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 and your eligible bank 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 any in your profile are already enrolled elsewhere, you can transfer the enrollment so money sent to that mobile number or email address will be deposited into your Wells Fargo 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.

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How do I send money?

Follow these steps to send money with Zelle®:

  1. Go to Send Money with Zelle®
    Sign on to Wells Fargo Online, then go to Send Money with Zelle® located under Pay & Transfer in the main menu. In Wells Fargo Mobile®, sign on and tap Zelle®. 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.

Will I receive text messages from Wells Fargo when I use Zelle®?

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.

How do I receive money?

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 person sending you money. They can use it to send you money, whether through Wells Fargo or another Zelle® participating 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.

How do I request money with Zelle®?

You can request money from another person using Wells Fargo Mobile® app on your smartphone. 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®. Note: Request money is not yet available on the Wells Fargo Online® desktop or tablet experience.

What do I do if my recipient never received my payment?

If your recipient did not receive your payment, make sure they’ve enrolled and 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 associated with your recipient’s Zelle® profile.

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.

Can I cancel a payment?

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.

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

Where can I see my Zelle® payments?

Your Zelle® Activity displays Zelle® payments you’ve sent or received in the last 90 days, sorted by Past or Pending. Requests you’ve sent or received can only be viewed on mobile devices.

You can search for and view your Zelle® payments sent or received 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 on 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.