How To Get A Refund From Zelle

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How To Request A Zelle Refund And Get It

Zelle is a digital payment platform that allows two parties to send and receive money conveniently without a wire transfer. Founded in 2017, the company serves as a viable alternative to PayPal, Cash App, and other businesses. Zelle serves around 70 million unique users on a monthly basis.

If you’re trying to undo a Zelle transaction, you’re likely looking for how to get your money back. If this is the case, has the answers to many questions regarding Zelle refunds.

Can I Get A Refund From Zelle?

Because Zelle is a mobile payment business and not a merchant like Amazon, Zelle doesn’t issue refunds or cancellations for payments. The company doesn’t offer purchase protection and doesn’t have the power to cancel a transaction or transfer money back to the original account.

Zelle leaves the decision to refund up to the merchant or cash recipient. You will need to contact the recipient or merchant, either in-person, through email, or over the phone.

That isn’t to say that Zelle doesn’t take suspicious activity lightly. In the event of scams, the company provides resources for how customers can get a refund, though Zelle itself can’t be the one to issue them.

About Zelle Scams

Zelle has a helpful page on what to do if you suspect you were scammed with a Zelle mobile payment. The company defines a scam as sending money with consent but not getting what you were promised in return.

For example, a stranger who texts you is pretending to be your boss. He or she is asking you to spend money on gift cards for clients and promises to pay you back. But when it comes to scams, the victim of a scam is never paid back.’s 4-Step Refund Process

It may seem hopeless that you can’t get your money back from a Zelle money transfer, but can help! We can get a hold of your bank to reverse the troubling transaction and issue a chargeback to your account. Here’s what you need to do to ask for a refund:

  1. Register your account on our website or mobile app.
  2. Explain to our AI wizard what happened and why you feel you deserve a chargeback.
  3. Review the draft letter the AI wizard compiles, including the chargeback code for your bank to consider.
  4. Wait for the bank to receive your letter and review your case.

If your bank approves, you’re sure to get your money back in your account. When Zelle drops the ball on their policies, makes sure you don’t miss getting reimbursed on fraudulent charges.

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Types Of Scams Identified By Zelle

The company has recognized many different types of scams that users fall victim to. These scams are as follows:

Type Of ScamDescription
Merchant ScamA merchant offers you a product or service for money but the product or service was never fulfilled.
Friend / Family ScamA stranger claims to be a long-lost relative asking for money.
Real Estate / Property ScamA stranger or business offers you property or real estate that they don’t actually own or sell.
Job ScamA business offers you vocational services to apply for job openings that don’t exist.
Charity ScamA stranger or business that claims to be a non-profit asking for donations to causes.
Romance ScamA stranger claims to want a long-distance relationship with the target and asks for money.
Investor ScamA stranger or business that asks for money and claims the target will get a return on investment.

If you suspect you are a victim of one of these scams, Zelle deems you have a right to your money back.

How To Report Scams On Zelle

If you want to contact Zelle regarding a transaction you want to dispute, you can call Zelle customer service at (844) 428-8542.

If you want to send Zelle a message instead, you can do so without having to log in to the Zelle website.

Here’s how the Report A Scam page works:

  1. Visit
  2. Scroll down to the “Your Contact Information” section and enter your name, email address, and phone number.
  3. Enter the details of the person who scammed you. If you don’t have everything to provide this section, that’s okay.
  4. Explain how much money was sent and explain what happened.
  5. Click on “Send Message”.

Unfortunately, Zelle only allows up to 1000 characters to write your message, and there’s no feature to allow you to attach screenshots like other mobile platforms do.

Once you send the message, Zelle should get back to you shortly through email about the next course of action to take.

How To Report Scams Elsewhere

Zelle also advises that you contact your bank or credit union, though you can save time by having help you write a letter to your bank.

Other places where you can report your incident online include the following:

There’s no guarantee that either of these agencies will track down and apprehend your scammer, but they use data from reports like yours to make it more difficult for scams to occur in the future.

Zelle Customer Service Contacts

Aside from phone and email, there are other ways to get in touch with Zelle customer support. If you have a question or concern, don’t hesitate to use the contact method that’s most comfortable for you.

You can contact Zelle in these ways:

Among all the ways to get in touch with Zelle customer service, web or app chat will be the fastest.

What Are Zelle’s Customer Service Hours?

Zelle customer service is available 10:00 AM to 10:00 PM EST, every day of the week. The company is closed for Christmas, New Year’s Day, 4th of July, and Thanksgiving. While Zelle won’t be available during a major holiday, you can still write a message via email or social media, and a representative should get back to you the following day.

Can I Still Cancel A Zelle Payment Myself?

After you send a payment, you can cancel it on Zelle, but only if the recipient has not yet claimed the payment. If you suspect you just gave money to a scammer, this can be a chance to reverse the payment.

To cancel a payment, log into the Zelle website or mobile app. Navigate to the “Activity” page and look for the payment you just sent. You should see an option called “Cancel This Payment”. If this option isn’t available, that means the recipient has already claimed the funds.

Make Your Plan B

Have contact your bank so you can get cashbacks without the consent of scammers. Whether you want to get your money back or just want a refund on goods you no longer want, nothing is impossible when we can help you build a strong case to give you back your money.

Register today and be prepared to request refunds anywhere where you experience monetary setbacks!

Frequently Asked Questions (FAQs)

I Received Money On Zelle From A Stranger. What Do I Do?

If you received a payment from a stranger or somebody you know you weren’t supposed to, get in touch with the person who sent the money. Don’t accept the money. If the money came from a stranger that you can’t contact, get in touch with Zelle’s customer service.

How Long Does It Take To Get A Zelle Payment?

Zelle money transfers often happen in minutes. If your payment hasn’t come as promised, make sure that your account is completed and your payment method is confirmed.

How Do I Contact Zelle On Facebook?

To contact Zelle customer support on Facebook, first visit If you leave a comment on a post from Zelle, a representative will instruct you to send a private message.

What Is The Sending Limit On Zelle?

Zelle imposes a sending limit on buyers or lenders of $500 per week. In the event that scams occur on the platform, the dollar amounts aren’t as extravagant, and it still allows Zelle users to do things on Zelle such as pay for goods and pay back loans. There’s no way for Zelle users to increase this limit.