[tjohns]

FWIW, the few times someone tried to send me money via Zelle, it’s been a mess.

Wherever email they sent was caught in GMail’s filters, so I never saw it. And you have to click a link to accept the payment, even from an established contact who’s sent funds previously. And after a bit the funds get returned. Too easy to lose money.

Instead, I just ask friends to use Square Cash. Auto-deposits into my bank account so there’s nothing to worry about.

Also, higher value payments are still easiest via check - since the online payment services will threaten to suspend your account if they think you’re running a business. Splitting rent amongst roommates was enough to get one of my accounts flagged as a business.

[lotsofpulp]

I've been using Zelle for 5+ years and I've never had to click any email. Other than initially logging into your bank account and setting up which email/phone number you want to use, I haven't had to do anything.

All I do is tell people to send money to my phone/email, and it shows up pretty quickly.