Zelle payments usually happen within minutes, but they can take longer due to several reasons:
- If the recipient is not enrolled with Zelle, the payment stays pending until they register.
- Bank processing delays, especially if either the sender's or receiver's bank flags the transaction for review due to suspicious activity or large amounts.
- Incorrect recipient details like email or phone number.
- Transactions sent during weekends or bank holidays may be delayed because banks process payments only on business days.
- Security or fraud checks that require additional time for review.
- Technical issues or network problems with Zelle or the banks involved.
Zelle may delay a payment up to three days in some cases, particularly if the transaction triggers security reviews or involves a first-time recipient with a large amount. Sending payments during business hours and verifying recipient details can help avoid delays. For delayed payments, checking with your bank or Zelle customer support can provide specific details and assistance.
