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### 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.


Example use cases

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.

Restrictions

Explore our Disbursements via Zelle® API

Fast, safe and easy. Send money directly to your customer's bank account using just an email address or U.S. mobile number.

Disbursements via Zelle®

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.

Overview

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.

Features

![Disbursements via Zelle workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/disbursements-via-zelle/disbursement-via-zelle-workflow.png)


Workflow

Accounts

Bank Holidays

Card Activation

Card Controls

Commercial Credit Cards

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards Balance Summary

Rewards Redemption Coming Soon

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions Earned and Redeemed

Travel Notifications

User Profile

Virtual Card Payments

3DSecure2

Avvance

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Fusebox

In Person Payments on Opayo

Leads

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Disbursements via Zelle

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Documentation

Onboarding quick start

Security guide

User guide

API reference

Webhook subscription

Application error codes

Release notes

Overview

Features

Workflow

PREVIOUS VERSIONS

Product Documents

Example use cases

Restrictions