Everyone may need to transfer money to another country. Zelle, on the other hand, is a payment system that is widely known in the United States. It was launched in 2017 and has continued to be actively used by users ever since. There is a reason why more than 118 million people use this service. "Does Zelle work internationally?" - is a frequent question on the Internet, and many people do not understand why this system is not available for all regions. We offer to familiarise you in detail what this payment system is.

Facts about Zelle service

Zelle is backed by all U.S. banks. The company's reputation is positive and justifies the list of features and benefits offered to clients. Let's list the main advantages of the service that are worth knowing:

• Speed: The user can make a transaction quickly and the recipient will receive their money instantly. This is an important time-saving factor.
• Easy to figure out: You don't need to understand the functionality for a long time, as all the details are thought out. You can quickly find the desired section and fill in the information. To make a transaction it is enough to enter a phone number or e-mail address. 
• Safety: Security technologies include encryption, authentication, user identification, etc. 
• There are no additional fees: There is usually no fee for standard transactions, which is beneficial for users.
• Integration with other applications: Zelle can be combined with other applications to expand the possibilities.
• Customer Service: If the client has questions, he can quickly get answers to them. For this purpose, it is worth contacting the support service, which is staffed by trained managers. 

In addition, it is easy to track transactions that have been made. After registration, everyone has their personal account, where personal information and history are stored. If you need to view past transactions, you can do it as quickly as possible.

Can You Cancel a Payment Once Sent?

It’s important to know that once you send a payment through this service, in most cases, it can’t be canceled if the recipient is already registered and enrolled. The funds are transferred almost instantly, which is exactly what makes this system so convenient, but it also means there’s little room for second thoughts.

However, if you accidentally sent money to the wrong person and they aren’t yet registered with the payment system, there’s a bit of good news. As long as the recipient hasn’t enrolled, the payment will remain in a pending state. In this situation, you can often cancel the transaction from your personal account by navigating to your transaction history and selecting the payment in question.

If you find yourself in need of assistance or if the transaction cannot be canceled through your online account, it’s best to contact customer support right away. The trained managers are there to help guide you through the process and discuss your available options. Remember, double-checking recipient details, like phone numbers or email addresses, before hitting “send” is always the best practice to prevent these types of issues.

Using the Service Without a Smartphone

You don't need a smartphone to send or receive money with this payment system. Many major U.S. banks, such as Bank of America, Wells Fargo, and Chase, offer access through their official online banking platforms. All you need is a computer and an internet connection. Simply log in to your bank’s website, navigate to the bank transfer or payments section, and initiate transfers using either an email address or a mobile phone number.

This flexibility means you can manage your transfers and access your funds directly from your bank’s online portal, even if you don’t have access to a mobile device.

Conclusions about the Zelle payment system

Zelle does not have access to global banking networks, but it does work with major banks in the United States. Before you sign up, familiarise yourself with all the rules and consider all the important factors. Consider transaction times, compare exchange rates, and determine if there is an opportunity to make bulk transactions.

Zelle works online as well, providing users with many useful features. In the United States, this system is important. Statistics from 2022 show that 80% of the country's population uses it. Each sender can send funds to the recipient (this applies to registered users). The official website claims that transactions are carried out in a matter of minutes. This can't help but attract customers, as it saves a precious resource - time. If the user is not registered in Zelle, the time of crediting money will be slightly delayed. In this case, the transfer time is from 1 to 3 days.