Version: 1.2

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.

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

Refund a customer.

Some shoes that were ordered online never arrived, so the online shopper reached out to the retailer. The retailer’s customer support agent did a little research and found that the shoes were marked as undelivered. The shopper really needed those shoes for a ski trip she was taking, so she asked for a refund. Since the retailer implemented the Disbursements via Zelle API, the retailer asked if the shopper would like her refund through Zelle. The shopper accepted, so the retailer submitted the payment request, and the shopper received her refund notification by the next day.

Settle a claim.

An employee processes claims for a large insurance company. The company released a new update to their enterprise resource planning (ERP) system that allows the employee to review the claim and then issue the payment simply by using the customer's email address. This new system has made the claims process much faster, easier and more efficient, and the employee 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.