AtlasPayment MethodsZelle

Zelle

pmt_zelle
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Introduced in 2017, Zelle is a bank-transfer payment method for account-to-account payments.

Bank Transfer
Use cases:
Channels:
Initiation:
Users
-
Markets
0
TPV
-
Transactions
-

Number of Users

UsersYoY
20222023202420252026Five-year Users and YoY data will appear here

Total Payment Volume

TPVYoY
20222023202420252026Five-year TPV and YoY data will appear here

Markets

Markets and currencies connected to Zelle across consumer, processing and settlement flows.

Market
Markets will appear here as they are mapped.

Capabilities

How Zelle works across its supported payment flows, normalized to the Atlas capability model.

Processing
ConfirmationDelayedInstant
Clearing ModelBatchReal-time
System Settlement Timing–
System InteroperabilityOpen
Cross-border Support–
Flows
Embedded–
Redirect–
Deep Link–
Offline CompletionConditional
Manual TransferSupported
Payment RequestConditional
QRSupported
NFC–
USSD–
Recurring
User-present Repeat–
Merchant-initiated–
Mandate Support/Required–
Credential on File–
Authentication
Online Banking–
App ApprovalSupported
Biometric Authentication–
PIN / PasscodeConditional
One-time PasswordConditional
3D SecureNot supported
Authorization
Authorization Hold / Pre-authorization–
Authorization Reversal / Void–
Authorization Adjustments–
Partial Authorization–
Zero-value Verification–
Capture
Separate/Manual Capture–
Partial Capture–
Multiple Partial Captures–
Refunds
Full Refunds–
Partial Refunds–
Multiple Partial Refunds–
Disputes
Chargebacks–
Non-chargeback Dispute Process–
Payment Guarantee–
Funding Sources
Bank AccountSupported
Card–
Stored Balance–
Credit Line–
Cash–
Consumer Requirements
Local Bank Account RequiredConditional
App / Wallet Account Required–
Phone Number Required–
Supported Bank/Issuer RequiredRequired
Merchant Requirements
Local Entity Required–
Local Bank Account Required–
Local Acquiring Required–
Local Processing Required–

PSPs

PSP-specific Zelle implementations, kept separate from the underlying payment method.

No PSP implementations have been mapped for this method yet.

Schemes

Schemes connected to Zelle, using the same four-metric model as the overview.

Scheme

Compliance

Regulators and regulations connected to Zelle.

Regulator(s)
No regulators have been mapped yet.
No regulations have been mapped yet.

Standards

Standards connected to Zelle.

No standards have been mapped yet.
Zelle57.0%
Markets0%PSPs0%Schemes0%Compliance0%Standards0%