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One of the newest players on the payment scene is Zelle, founded in 2017. The company is a United States-based digital payments network owned by the private financial services firm Early Warning Services.

To access the service, users (with funds in a U.S. bank account) enroll their email and a U.S. mobile phone number with the Zelle app or through their bank’s Zelle electronic portal.

Next, the person sending the money enters the preferred mail address and U.S. mobile number of the recipient, who must also have a bank account in the United States.

After payment is sent, the recipient receives a notification with instructions for completing the payment. Zelle does not charge fees to send or receive money, but sometimes the bank or other financial institution charges customers for providing access to the service.