Version: 1.1

Disbursements via Zelle®

Fast, safe and easy. Send money directly to your customer's bank account using just an email address or U.S. mobile number.
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Disbursements via Zelle allows you to quickly send payments to your consumers[^1] using the Zelle Network®. Send money directly to your customer's bank account using just an email address or U.S. mobile number. You no longer need to store your customer's sensitive bank account details.


Manage and complete payments all in one place.

Complete a Zelle payment.

  • Check the enrollment status of up to 50 Zelle aliases.
  • Send money to a consumer through the Zelle Network.
  • Issue checks to consumers that aren't enrolled in Zelle.

Manage Zelle payments.

  • Search for and retrieve status and details of submitted payments.
  • Retry a failed payment.
  • Delete a submitted payment.[^2]
  • Send an invitation to enroll in the Zelle Network.


Data Toolbox - workflow

Example use cases

Pay businesses for procurement of supplies.

Steve works for a non-profit organization that helps parents pay for their children's school expenses. Since implementing Disbursements via Zelle, this is a much easier process. Steve can now use either a phone number or email address to send payments to recipients, instead of needing their routing and account numbers. Plus, he knows payments are received within a day.

Refund a customer.

Stephanie never received the shoes she ordered online so she reached out to the retailer. Maren, the customer support agent, did a little research and found that the shoes were marked as undelivered. Stephanie needs those shoes for a ski trip she is taking so she asks for a refund. Since the retailer implemented the Disbursements via Zelle API, Maren asks Stephanie if she would like her refund through Zelle. Stephanie accepts so Maren submits the payment request and Stephanie receives her refund notification by the next day.

Settle a claim.

Jane works for a large insurer processing insurance claims. Her employer released a new update to their enterprise resource planning (ERP) system that allows her to review the claim and then issue the payment simply by using the customer's email address. This has made Jane's process much faster, easier and more efficient, and she is able to review more claims in less time.


Recipients must enroll in the Zelle Network to receive Zelle B2C payments. If a recipient fails to enroll they will be mailed a physical check.

[^1]: Must have a bank account in the U.S. to use Zelle. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. [^2]: Cancelation is only available until the standard payment is processed.