[jzebedee]

Zelle does not actually guarantee that your payments will go on the fast path. If you send a payment after-hours or to a new recipient that scores too high on some opaque fraud metric, it will be sent like a normal ACH with a few business days of processing time.

[14zadz]

Sure there are some situations where it takes a bit longer. But I was responding to the statement saying there are NO immediate ways to send money in the US and that’s straight up not true because often enough Zelle does work, especially using it with existing contacts as I had said.

Also, Apple Pay is often immediate but has taken like 10 minutes as well so that could vary.