Pay from your bank app in under a minute

Zelle moves money directly between US bank accounts through the banks themselves rather than through a payment processor. There is no card network in the middle taking a percentage, which means there is no processing fee on either end. For a small family-owned business, that difference across a year is real money that stays in the business rather than going to interchange, and it is one of the reasons we can keep our pricing where it is.

Speed and finality

Most Zelle transfers between enrolled US accounts complete within minutes. That matters more than it sounds. When a client is releasing equipment from a repair, closing out a project, or settling a month before their fiscal close, a payment that clears the same afternoon removes a whole category of follow-up email from both calendars.

It is worth knowing the flip side: because Zelle is effectively a bank transfer rather than a card charge, it is fast and generally final. There is no chargeback mechanism in the way there is with a credit card. That is why we ask you to send only to details taken from an invoice we issued, and why we would rather you call us than trust an email if anything looks unusual.

Put the invoice number in the memo

This is the single most useful thing you can do. Zelle payments arrive with a name attached, and names do not always match the client record, a payment from a personal account, a spouse's account or an owner's name rather than the company name is extremely common. Without the invoice number we have to email you to ask what the payment was for, which wastes your time and ours.

• Put the invoice number in the memo or note field, exactly as it appears on the invoice
• If your account name differs from your business name, add the business name too
• Send the exact invoice total rather than rounding up or down
• If you are paying more than one invoice, either send separately or list all numbers in the memo

A note on security, because we deal with the aftermath of this for clients regularly. Payment redirection fraud, where an attacker compromises an email account and sends a fake invoice or a fake notice that banking details have changed, is one of the most common ways small businesses lose money. Our Zelle details do not change quietly. If you ever receive an email claiming they have, do not act on it. Call (602) 677-0779 and verify by voice. That habit protects you with every vendor you pay, not just us. Our cyber security work covers the email authentication and training side of this, and you can check your own domain's email posture with our free email header checker and email security check.

If Zelle is not a fit, some banks cap daily transfer amounts, and larger project invoices can exceed those limits, that is not a problem. PayPal, major credit cards, ACH and business checks are all accepted, and the full list is on our payments page.