Zelle^® Support and FAQs

Zelle^® is a fast and convenient way to send and receive money with people you know and trust who have a bank account in the U.S. For a list of participating banks, please go to zellepay.com.

 

Until recently, Zelle^® was called Chase QuickPay^® with Zelle^®. While the name has changed, none of the other features and benefits have changed. It's just easier to say.

Businesses that are a good fit for Zelle^® typically receive payment by cash and check. A few examples of small businesses that may be a good fit include:

• Health and beauty specialists: hairstylists, nail technicians and personal trainers
• Home care providers: landscapers, contractors and pool technicians
• Landlords collecting rent
• Transport and limo services
• Service providers: electricians, plumbers, accountants, consultants and financial planners

It's available on the Chase Mobile^® app and on chase.com.

Eligible small business accounts can send, receive, or request money with Zelle^®.

 

Here's how to get started:

1. Sign in to the Chase Mobile^® app and tap "Pay and Transfer"
2. Tap "Send Money with Zelle^®"
3. Tap "Get started" (you may need to agree to terms and conditions)
4. Choose your account and add an email or U.S. mobile number. Tap "Next"
5. Enter your U.S. mobile number and tap "Next"
6. Note: You can also add up to 5 email address
7. Enter the code sent to your phone and Tap "Next"
8. Tap "Done" or "Send or request money"

Watch a quick video to learn more

Chase does not charge additional fees for Zelle^® transactions. To use Zelle^®, Chase customers must use an eligible Chase checking account, which may have its own account fees. Consult your account agreement.

Timing for payments you send:

• If your recipient is another Chase customer, they will usually get the money a few minutes after you send it, but no later than the next business day.
• If your recipient's bank is a Zelle^® member and supports real-time payments, the money will be available a few minutes after you send it. If your recipient's bank doesn't support real-time payments, the money should be available in 1 to 2 business days.

Timing for payments you receive:

• If your sender is another Chase customer, you'll usually get the money a few minutes after it's sent, but no later than the next business day.
• If your sender's bank is a Zelle^® member and supports real-time payments, you'll usually get the money a few minutes after it's sent. If the bank doesn't support real-time payments, you'll get the money in 1 to 3 business days.

To protect your account, we place a daily dollar send limit on Zelle^® payments, even if your available balance is higher than the daily limit. To help protect you from fraud and scams, Chase dynamically determines the limit for each transaction at the time you set it up based on a number of factors including your recipient. Each transaction will fall within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day.

 

We’ll show you the applicable limit for the transaction in the Chase Mobile^® app or Chase online when you set it up. If you’ve already sent a transaction to someone that day, we’ll show you the remaining amount of your daily limit if you send to another recipient within the same tier. See the Zelle^® Service Terms (PDF) for the dollar amounts for the tier limits and additional information on Chase Zelle^® limits and how they work.

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 payment.” If you do not see this option available, please contact our customer support team at 1-800-242-7338 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 our customer support team at 1-800-242-7338 so we can help you.

When you use Zelle^® your recipients won't see your account number, and you won't see theirs. Make sure you only send money to people you know and trust in order to help avoid scams and protect your account. Neither Chase nor Zelle^® offers 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 expected.

Just sync your contacts from your mobile phone to make it easy for you to send money to customers or other eligible businesses.

1. Sign in to the Chase Mobile^® app
2. Choose the checking account or credit card to find the charge to split.
3. When you've located the charge, swipe left and tap "Split"
4. Choose an existing contact(s) or add a new one and tap "Next"
5. To split the cost, tap "Include my portion" and we'll do the math
6. Tap "Request money" and "Yes, send it now"
7. Or, to request a specific amount of money, tap "Pay and Transfer" from the home screen
8. Tap "Request/Split with Zelle^®"

If you're not enrolled in Zelle^® and you have an eligibile checking account, splitting a charge will take you to Zelle^® enrollment. Note that payment requests to persons not already enrolled with Zelle^® must be sent to an email address.

 

If you don't see the "Split" button when you swipe left, you might have hidden your checking accounts or you may not have an eligible checking account.

Non-Chase consumer and business customers should enroll with Zelle^® through their financial institution’s mobile app or online banking.

To enroll a business bank account with Zelle^®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle^®. We recommend using the email address or U.S. mobile phone number associated with your business.

You won't see accounts for businesses that you haven't explicitly enrolled with Zelle^®. Go to your Zelle^® settings to add them.

Neither Chase nor Zelle^® offers 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 expected.

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

Please call our Retail Business Servicing line at 1-800-242-7338 so we can help you.