Zelle® for Small Business
Small business owner? Zelle® is a fast way to get paid.
Zelle® is a great payment option for you & your customers 1
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Did you know you can now use Zelle® to accept customers’ payments for your small business? With Zelle®, money is sent directly to your bank or credit union account and typically arrives within minutes.1 Simply provide your U.S. mobile number or email address to your customer so they can pay you.
Using Zelle® is:
Fast
Enhance cash flow. No need to wait for a check to clear – payments are sent directly to your bank or credit union account, typically within minutes.1
Easy
Your customers can pay you with Zelle® right from their mobile app, allowing you to receive payments while on the go with no extra hardware or trip to the bank.
Easily start today using just your email address or U.S. mobile number:
1 Log in to online or mobile banking
2 Select “Send Money with Zelle®“
3 Accept Terms and Conditions
4 Select your U.S. mobile number or email address and deposit account
That’s it! You’re ready to start sending and receiving money with Zelle®.
Don’t have our mobile app?
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Small Business FAQs
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to the “Send Money with Zelle®“. To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you’re ready to start sending and receiving with Zelle®.To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their mobile app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled UFCU account.
To request money using Zelle® with a small business account, click “Send Money With Zelle®”, select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.2
There are a few ways you can encourage your customers to pay you with Zelle®:
- Tell customers verbally that you accept payments with Zelle® and that they can easily send you money right from their mobile app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”
- Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).2
Neither UFCU nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
No, UFCU does not charge a fee to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to UFCU’s online banking or mobile app click “Send Money with Zelle®“. If you don’t see Zelle®, please call our member support team at (877) 968-7828.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed. You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option available, please contact our Member Services support team at (877) 968-7828 for assistance with canceling the pending payment.
If you send money to a small business or consumer who has already enrolled with Zelle®, the money is sent directly to their bank or credit union account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call our Member Services support team at (877) 968-7828 to determine what options are available.
Zelle® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle® QR code, log in to the UFCU mobile app. click “Send Money with Zelle®“. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code. To send money, log in to the UFCU mobile app. click “Send Money with Zelle®“. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Please contact our member support team at (877) 968-7828. Qualifying imposter scams may be eligible for reimbursement.
Keeping your money and information secure is a top priority for UFCU. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your UFCU account safe.
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1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
2 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Copyright © 2025 Ukrainian Federal Credit Union. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Ukrainian Federal Credit Union
824 East Ridge Rd
Rochester, NY 14621
(877) 968-7828
