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Zelle payments are generally immediate and irreversible, acting like cash transactions. Refunds are typically only possible if the recipient voluntarily sends the money back or if the payment was unauthorized (fraud/hacked account). If sent to the wrong person or for a scam, recovery is very difficult.
Zelle is a fast, secure, and free U.S.-based digital payment network that allows users to send and receive money directly between bank accounts, usually within minutes. Integrated into over 1,700 banking apps, it uses only an email or U.S. mobile number, making it ideal for trusted friends, family, and small businesses.
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