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15 Best Zelle Substitutes to Transfer Funds

Looking for zelle alternatives? This article shows 15 best zelle substitutes to transfer the money online quickly and easily. Using the email address or the phone number associated with their bank account, Zelle makes it simple to send the money to friends and family. Even though it’s a very practical payment method, it has some drawbacks. Other mobile payment methods are more popular because of these drawbacks.

For instance, it is limited to bank account transactions. Currently, you can’t connect a credit card to your Zelle account. Unlike the majority of mobile banking services, Zelle does not let you keep a cash balance. Additionally, payments paid to recipients who have signed up for Zelle cannot be reversed.

Even though Zelle has been in operation for a while, many regions are still having trouble with it. To use Zelle to send or receive your money, you must have a US bank account. Only individuals with banks that are partners with Zelle can use the service. This means that Zelle does not apply to the majority of people. These Zelle alternatives are among the best, which is fortunate for everyone else.

15 Best Zelle Substitutes to Transfer Funds



One of the best popular online payment options is PayPal, and for good reason. It’s an easy method to send cash to anyone, anywhere, whether they have a bank account or not.

Only the recipient’s email address is required by the sender. After creating a PayPal account, you can fund it with your bank account, a debit card, credit card, or actually any other form of payment that PayPal accepts. You can send money straight away to anyone with a PayPal email address once you’ve connected the account to the preferred payment method(s).

PayPal will automatically withdraw funds from any associated payment method if there are no funds in your account. Those funds can be instantly sent to the recipient’s bank account or debit/credit card. PayPal’s security is one of its biggest benefits; money is safeguarded by the same industry-standard encryption used by banks. PayPal will provide you a complete refund if something goes wrong, such an unlawful transaction. In contrast, Zelle does not offer customer purchase protection.

With PayPal, you can send or receive money in a number of different ways. You can send money using the debit or credit card, bank account, or directly from your PayPal balance. You can only send through a bank account using Zelle, which is inconvenient if you need to send money immediately away.

PayPal has neither a monthly nor yearly fee. Instead, they generate revenue by adding a fee of 2.9 percent plus 30 cents USD to each PayPal transaction made by merchants who use their service.



Online retailers can accept payments for their products using the payment processing provider Stripe. There are a lot of reasons to think about migrating from Zelle to Stripe.

Their dashboard is simple to use, their fees are fair, and the sign-up process is quick and easy. Contrary to Zelle, you are not need to have a merchant account or a business checking account in order to use Stripe.

Your email address and password are all that are required to create a Stripe account. Even better, Stripe offers a test mode that enables you to conduct transactions in a sandbox setting without using real money in order to assess how effectively the service performs for your company. Even it might not seem like much of a difference, when you accept many payments daily on behalf of your clients, it adds up.

Stripe has a number of advantages, including the capacity to accept payments from any location in the world and to generate automatic receipts each time someone makes a purchase from you. Although Zelle is a competitor to Stripe, it doesn’t offer as many features or as much flexibility for online credit card payments. Per successful charge, Stripe adds 2.9 percent plus 30 cents.

3.Shopify Payments

shopify payments

The main payment gateway for stores using Shopify is Shopify Payments, a payment processing system operated by Shopify Inc. With the Shopify Payments, you can process credit cards quickly and easily. The setup procedure simply takes a few minutes, and you can get your first payout in two business days.

Additionally, it has no monthly fees, no chargebacks, and low transaction fees. Additionally, there are no additional steps necessary to accept credit card payments on your website after signing up for Shopify Payments. Giving Shopify Payments a try is absolutely worthwhile if Shopify is the platform for your online store.

In contrast to Zelle, Shopify Payments also allows you to accept non-traditional payment methods including Apple Pay (US only) or Amazon Pay (US only) or Bitcoin (US only), and Shopify Pay. You may begin accepting payments as soon as you create your Shopify store with Shopify Payments. Depending on your bundle, monthly fees range from $29 to $299.

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For the most recent fees/charges, go here.

4. Venmo


PayPal owns the mobile payment platform Venmo. It enables users to send money to each other using a mobile app. The user’s balance, a bank account, a debit card, or a credit card can all be used to transfer money.

It is a quick, simple, and safe way to receive payment from people you know and trust. You can ask for payment for items that are shared, such as rent, concert tickets, or meals, without having to worry about receiving payment straight soon. Other social networks have yet to succeed in what Venmo accomplishes, which is to make financial transactions feel enjoyable and even humorous. And that is actually why it appeals to so many people, especially millennials.

Due to the fact that it doesn’t cost any more than what your bank charges for electronic transactions, it has become one of the most often used methods for paying back friends and family (usually nothing at all). Due of this, utilizing Venmo is significantly more affordable and quicker than using cash or cheques. Venmo will resemble Zelle if you’ve used it previously, but with one key distinction: it’s really simple to use.

There’s actually no need to take additional steps, such entering your credit card number or logging into a desktop computer, because all payments are made through the app. By monitoring other people’s accounts, sharing payment information on the app with friends and family (like those happy hour cocktails), and leaving public comments on other people’s transactions, you can even connect with pals and turn it into a communal experience.

Using the credit card to send money to other people through Venmo will cost you 3% per transaction. Visit their site for the most recent prices.

5. Wise (formerly TransferWise)


Wise, formerly known as TransferWise, is a ground-breaking currency exchange service that provides a simple and secure way to send money overseas. There is no requirement to purchase foreign currency because the Wise platform matches people who are sending money in the opposite way. Even when sending money via your bank account or credit card, this approach enables you to pay the precise amount you anticipate receiving.

Wise provides customer service that is available around-the-clock, so you can get assistance whenever you need it! Additionally advantageous to you are their reasonable costs and open pricing policy. Wise doesn’t add any markup to its exchange rates, in contrast to other services for exchanging currencies, so you always get the true mid-market rate.

With Wise, you may also receive free peer-to-peer transfers from family and friends anywhere in the world. This actually helps you save money and guarantees that the recipient will get the most money available without incurring any additional expenses.

Give Wise a try right away if you’re seeking for a different type of currency conversion service that has superior customer support and lower fees than Zelle. The real cost of sending money varies depending on the currency, but it starts at 0.41 percent.

6.Apple Pay

apple pay

Users can use their Apple devices to make purchases at participating merchants using Apple Pay, a mobile payment service. When used at point-of-sale terminals, Apple Pay makes advantage of the NFC (near field communication) technology in iOS devices that are compatible (POS).

Beyond what is already on your device, there are no new apps to download or account setups to make. With Apple Pay, payments are now quick, safe, and private for consumers. Your entire wallet is replaced when you use Apple Pay, not just your credit and debit cards.

Many users of both services agree that Apple Pay is significantly more secure than Zelle. Your credit card number is really not kept on your phone when you use Apple Pay to make a transaction at a shop or online. Although Apple Pay does not have a monthly cost, the regular credit card fees still apply when making purchases.

7.Amazon Pay

amazon pay

On websites like or sites that accept Amazon Pay, you can make purchases or send money using the online payment tool known as Amazon Pay. You can send money to someone else’s Amazon account or transfer money between your accounts. Additionally, you can pay with a credit card or have money automatically deducted from your checking account (both options are fee-free) (with a fee).

The finest alternative to Zelle is Amazon Pay because of its strong functionality, first-rate customer support, and secure data. In contrast to Zelle, the Amazon Pay platform has complete assistance from Amazon’s customer service.

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Additionally, compared to Zelle, Amazon Pay offers greater customization choices; transactions can be adjusted to meet your needs, such as subscription or charity payments. Since Amazon has a lengthy history of offering secure services, Amazon Pay is more secure than Zelle. It is actually one of the best safest methods to pay for things online because it uses the same login information as the Amazon account and includes extra benefits like One-click shopping for repeat purchases.

A domestic processing fee, an authorization fee, a cross-border processing cost, and any relevant VAT are all charged by Amazon Pay.

For the most recent prices, go here.



Merchants may now accept credit card payments using their iOS or Android smartphones or tablets thanks to Square, a mobile payments provider. Square is perfect for businesses who need an additional payment option or have erratic sales patterns, like food trucks or flea market vendors, because it is so simple to use and doesn’t need any specific hardware.

However, adopting Square is definitely still worthwhile even if your small business is something more conventional, like a small shop or restaurant. A smartphone app that serves as a credit card reader is included with the service, along with a web-based interface for seeing transactions and managing the account. PayPal Here, Intuit GoPayment, and VeriFone Sail are its main rivals.

You do not actually need to open multiple accounts with banks or credit card issuers in order to use Square, in contrast to Zelle. All you need is a Square account, a smartphone, and one of Square’s tiny credit card scanners that you connect into the headphone socket on your phone. You pay 2.6 percent plus 10 cents for each tap (for mobile payments), dip (for chip cards), and swipe (for magstripe cards).

9.Google Pay

Google Pay

You can use Google Pay to make payments online, in-app, and at physical stores. It creates a single digital wallet from the functionality of Google Wallet and Android Pay. Any smartphone running Android KitKat 4.4 or higher can use Google Pay with your debit card or credit card, gift card, or loyalty card.

Simply enter the credit card information into the phone, let the verification procedure finish, and then use the card in-store. Online payments can also be made by verifying them using your fingerprint, pattern, or pin. Because Google Pay can be used anytime, anywhere, and only requires a phone, it is a better option to Zelle. In contrast to Zelle, no banks are required.

Because Google Pay makes use of NFC technology, customers may use their phones to make digital payments at retail establishments. They must tap their phone on the NFC reader at the checkout counter while the Google Pay app is open. Your payment information (not the actual credit card number) will then be sent by token by the phone, enabling you to complete the purchase. There are no unforeseen costs; you just pay when you conduct a transaction.

10. CashApp

cash app

Through their phone or computer, users can send money directly to one another using the peer-to-peer payment program Cash App. Customers of Cash App, as opposed to Zelle, can pay with the Cash Card, a Visa debit card that offers benefits like discounts on services like Postmates and DoorDash, when using the Cash App.

If you do not want to use the smartphone to transfer payments, you can send them directly from your computer or tablet since Cash App works on any internet-connected device. At participating retailers, customers can make purchases of products and services without having to have cash on hand by using their registered debit or credit cards.

Additionally, Cash App gives its users the option to link their bank accounts for immediate transfers (faster deposit processing times) (0.5 percent to 1.5 percent ).  Although a bank account is not necessary for using Cash App, you can choose to deposit your money there (up to $1,000 per day) and there are no costs for this service. Cash App is free to use for normal transactions.



Anyone can receive international wire transfers using the internet payment system Payoneer. Payoneer primarily consists of two parts:

For those who desire to collaborate with overseas clients, the first factor is crucial. Once you have a Payoneer account, you can provide your US clients with your Payoneer bank information so they can send funds to you. What you must do is provide them the account number and routing number. If you’re a freelancer or contractor looking for a secure method of payment, this is a great choice.

The second feature of Payoneer is the ability to use your Payoneer card to make cash withdrawals from nearby ATMs in any nation where Mastercard is accepted. For Zelle, this is not applicable. The good news for freelancers is that Payoneer doesn’t impose transaction fees when receiving payments from another Payoneer account holder.

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Payoneer charges 3% for credit card transactions and 1% for ACH bank withdrawals. For the most recent Payoneer costs, click here.



With Skrill, you may send money overseas and make payments without having to pay the hefty fees that are typically associated with such services. Skrill is one of the best solutions if you’re seeking for a new way to pay for your online purchases. It makes it simple to transmit money internationally and is safe and secure.

Skrill can be used for online payments, but there are a few significant differences that put it ahead of Zelle. Skrill is easier to use. For instance, Zelle is only available in the US and only supports transactions in USD, whereas Skrill is accessible internationally and accepts the majority of common currencies (USD, EUR, GBP, CAD, AUD, etc.).

When you transfer money from your bank account to your Skrill wallet, unlike Zelle, you can keep more of your own money. There are no fees associated with bank deposits. Skrill will charge you 1 percent of the transfer amount (or $0.50, whichever is bigger) if you really want to send money abroad from the US. Visit their website for the most recent fees and charges.

13. Net Spend


Netspend is a prepaid debit card that functions similarly to a credit card in that you can use it to make purchases and pay bills. It actually differs from other cards in that it doesn’t call for a bank account, making it the perfect option for people who can’t acquire one because of prior credit issues.

With Netspend, your balance will be automatically debited when you make purchases, so you won’t have to worry about unintentional charges or overdraft fees. Because of its adaptability and simplicity, Netspend outperforms Zelle. You can select between receiving payments via direct deposit or topping up your account at a number of places across the country. The Pay-As-You-Go Plan at Netspend is free, while the Monthly Plan is $9.95.

For thorough information on card fees, click here.

14.Facebook Pay

Facebook Pay

Facebook Pay is a brand-new platform that enables users to pay for goods and services on Facebook, send money to friends and family in Messenger, and use the payment option on Instagram and WhatsApp.

Facebook Pay accepts PayPal as well as the majority of common credit and debit cards, and it also provides additional security measures like a PIN or device biometrics. Additionally, it provides a centralized view of your payment history across the three social media sites.

With Facebook Pay, customers will be able to purchase goods on several platforms without having to enter their payment information each time. You will be able to shop for things that matter without leaving the app, whether it’s your favorite meal from your favorite restaurant, a philanthropic organization you care about, or tickets to an online event from a small business.

A user must first add a payment method to their account before they can configure Facebook Pay. The majority of popular credit or debit cards, PayPal, Stripe, and other payment options are currently accepted. Pay with Facebook is free.

15. Melio


A digital business payment app called Melio makes it simple to pay your suppliers. Any vendor you choose can be paid using Melio, regardless of how they choose to be paid: cash, Square, PayPal, etc. Melio, a superior substitute for Zelle, features no sign-up fees and no ongoing fees or subscriptions. Instead, your company only pays using Melio’s pay-per-transaction model if you use the service. To receive payments, your vendor does not have to be a registered Melio user. On the other hand, you will be asked to sign up for Zelle funding.

When processing payments with Melio, you may include notes and attach documents like images, receipts, and invoices to make it simpler for everyone to keep track of payments around tax time. For transfers to the UK, EU, and Canada, Melio charges a 2.9 percent fee for credit card payments and $20 for international transactions.

To sum up

A wonderful Zelle substitute is PayPal. Out of all the other payment methods, it has the longest history and the broadest consumer base. It’s simple to set up using your own account and can be utilized right away at a lot of merchants and stores. The PayPal Purchase Protection policy is another security measure provided by PayPal. Because of these factors, I strongly suggest PayPal over any other options.



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