Zelle® for your small business
When timing is everything - send money with Zelle®.
Easily get paid and pay vendors with Zelle® for your small business—all from the convenience of your SCCU Online and Mobile Banking. It’s free, fast, and secure in Online Banking!
How to Use Zelle® for your small business
As long as you have an SCCU Business Checking account, you can easily start today using just your email address or U.S. mobile number:
Log in to your Online or Mobile Banking.
Select “Transfers” and then “Zelle®”
Accept Terms and Conditions
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? Download it for free:
How to Use Zelle® for your small business to Safely Send Money
Only send money to people you know and trust
Money moves fast with Zelle®. Directly from bank account to bank account within minutes1. So, it's important you know and trust the people and/or small businesses you're sending money to.
You can't cancel a payment once it's been sent if the recipient is already enrolled with Zelle®, so it's important to get it right the first time.
Beware of payment scams
If you send money to a person and/or small business you don't know for a product or service you might not receive (like paying for something in advance), you may not get your money back.
Neither Space Coast Credit Union nor Zelle® offers a protection program for payments made with Zelle®. So, if you aren't sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card.
Treat Zelle® like cash
Money moves fast – directly into the enrolled recipient's bank account.
Make sure you're sending it to the right person and/or small business by confirming the person and/or small business name displayed is that of your recipient.
Frequently Asked Questions
Zelle® for your small business
▸ What is Zelle®?
Zelle® is a fast and easy way for small businesses to send, receive, and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your bank account with just your email address or U.S. mobile number.
▸ How do I use Zelle® with a small business account?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log in to Online and Mobile Banking, navigate to “Transfers” and click on “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®: 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 banking 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 bank account.
To request money using Zelle®: choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”
▸ How do I tell my customers that they can pay me with Zelle®?
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 banking 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
▸ Does Zelle® or SCCU offer purchase protection?
Neither Zelle® nor SCCU 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.
▸ Are there any fees to use Zelle® with a small business account at SCCU?
No, we don’t charge a fee to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.
▸ How do I know if my small business is eligible to use Zelle®?
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to Online and Mobile Banking and select “Transfers” and click on “Zelle®.” If you don’t see Zelle®, please reach out to us at 800-447-7228 and a Team Member will be happy to assist. Please note that you must have an SCCU business checking account to use Zelle® for Business.
▸ Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
▸ Can I reverse or cancel a payment?
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 an SCCU Team Member at 800-447-7228 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 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 contact an SCCU Team Member at 800-447-7228 to determine what options are available.
▸ How do I use a Zelle® QR code with my small business account?
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 Online and Mobile Banking, select “Transfers” and click on “Zelle®.” Click “Send Money,” then click on “Scan the QR code to Send Money with Zelle®.” 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 Online and Mobile Banking, select “Transfers” and click on “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.
▸ I believe I have been a victim of a scam. Whom should I contact?
Please contact an SCCU Team Member at 800-447-7228. Certain imposter scams may be reviewed for reimbursement eligibility based on SCCU and Zelle® guidelines.
▸ What is the difference between Zelle® and Zelle® for your small business?
Zelle® is designed for personal use, allowing consumers to send money to friends, family, and others they know and trust.
Zelle® for your small business is designed for businesses and allows them to send, receive, and request payments with customers and eligible vendors they trust.
▸ Is my information secure?
Keeping your money and information secure is SCCU’s top priority. When you use Zelle® within our Online or Mobile Banking, your information is protected with the same technology we use to keep your account secure.