Zelle pay with a credit card Fee | Does Zelle Work With Credit Cards ( Updated )

 The world has become too fast, and doing all kinds of works instantaneously has become a necessity. With this comes the work of sending and receiving the money to and from your loved ones. Multiple money transfer apps have emerged with time to assist you in this. Venmo, Cash App, PayPal, Zelle, etc., are to name a few.

While all these apps help you transfer money almost within moments, the one app which has become quite popular is Zelle. Zelle is quite popular because most U.S. banks partner together to launch one money transfer app that directly transfers money from your bank to the receiver’s bank account.

Read This to Know >> Here is How To Receive Zelle Payment Chase Easily

What is Zelle?

Zelle is a mobile payment app that allows you to send or receive money to and from friends and relatives in a faster and easier way. You can make payments and split bills easily using the app.

Zelle is a peer-to-peer money transfer app that allows it to work faster and in a more straightforward way. It is partnered with more than 30 major banks of the U.S., including Wells Fargo, Chase, and Bank of America. You can use Zelle with the app or through the online banking app of your bank.

You can register with Zelle if you have a bank account within the U.S. You can easily enroll with your phone number or email address through your online mobile banking app.

Can You Pay Zelle with Credit Card?

Unfortunately, Zelle can not be used with credit cards yet. You can only use your debit card for enrolling with Zelle.

Can I Pay Someone With A Credit Card On Zelle 

There is no way to use credit cards for payments with Zelle. Only your debit cards, checking, or savings bank account can be used currently but not as a credit card.

Apps which can provide transfers using credit card:

Although Zelle does not allow using credits cards yet, there are several other apps like PayPal, Cashapp, or Venmo through which you can use your credit card.

Cash App

The Cash app, formerly known as Square Cash, allows you to send and receive money with anyone.

It has a unique identifier: $Cashtag, which helps you to make private and secure payments. Cash app accepts both credit and debit cards. However, with Credit cards, a transaction fee of 3% is required.

Make sure the person you’re sending money to also used the Cash App. You can send money using their email address, phone number, or $Cashtag.


You can sign-up in Venmo through your Facebook or your email account. Venmo is an easy-to-use app, and moreover, it is free for use. Like Cash App, you can use Credit as well as debit cards with Venmo. Money transaction using a debit card does not require any fee, but credit card payments require a 3% transaction charge.

Both re recipient and the sender must have a Venmo app for the transaction to be fulfilled. One amusing feature of the app is that it can show what you are paying for to your friends and family if you allow it.


PayPal can also be used to send and request money electronically. You can sign-up in PayPal for free and link your credit card to transfer money. The transaction charges with a credit card are 2.9% plus 30 cents for each transaction.

You and your friend both should have a PayPal account for the transaction to be fulfilled.

How can I receive money from Zelle app?

If you already have a Zelle account, you need not worry, as the money will reach directly into your associated bank account within minutes.

You can receive money on Zelle even if you don’t have an account on Zelle. Here’s how you can start receiving money through Zelle :

  1. If someone sent you money through Zelle, you’ll receive a payment notification about it, either on your email or on your phone number.
  2. Click on the link provided in the email or text.
  3. Download the Zelle app through Google play store or Apple app store, if you haven’t already.
  4. Enter your phone number or email address depending upon the kind of payment done to you. Click ‘continue’.
  5. Read the policy and security and check the box if you agree with their terms and conditions. Then tap ‘continue’.
  6. Search for your bank on the ‘find your bank’ screen to complete the transaction, you’ll automatically be redirected to your bank’s website. There you can complete the process. 
  7. If you can’t see your listed bank, you can tap on the ‘don’t see your bank?’ prompt on the screen.
  8. You need to add your debit card number and details like expiration date for the next step and tap on continue to proceed.
  9. Enter your billing address and tap on continue.

Your account is set up now. You can now accept transfers and view money already in your account.

Enrolling with the Zelle app

Enrolling in Zelle is a process you might find challenging as the process does not depend just on the app but on your bank. Different banks have different ways of handling Zelle’s accounts and transactions. For enrolling with Zelle, you need to visit your online banking app or visit your bank’s web portal.

Are there any fees to send money using Zelle

The best thing about using Zelle to transfer your money is that you don’t require to pay any extra fees. However, it depends on your bank whether they charge any fees or not.

Bottom line

Even though you cannot use a Credit card with Zelle, it is one of the fastest ways to transfer money. You can always enroll with your bank account simply for instant transfers. You can use the above-listed apps if you still want to use credit cards for payment.

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