[idunno246]

You buy something online and pay with Zelle. Seller never ships it. You have zero recourse, there’s no chargebacks or anything like that, your money is gone. It’s the same as cash, and you should only use it with people you know. Same with Venmo, and cashapp

[bell-cot]

This. Or they ship you something that is defective, worth far less, etc., etc.