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Zelle payment link: what to use instead

Zelle doesn't make payment links. Here's what it does instead, and what to use to sell to strangers.

Start for free
Fee
Typically free; check your bank
Subscriptions
No
Buyers pay with
A Zelle-enrolled bank account

Why Zelle has no payment link

Zelle has no payment link. It moves money between US bank accounts, and you can request money only from someone already enrolled, by their email or US mobile number.

Zelle payments can't be reversed, and Zelle's own advice is to send money only to people you know and trust. To sell to strangers, use a Stripe, PayPal or Square payment link, which take any card.

How to get paid with Zelle instead

  1. Open your bank's app, or the Zelle app, and choose Request.
  2. Enter the payer's email or US mobile number. They must be enrolled in Zelle.
  3. To sell online, make a Stripe, PayPal or Square payment link instead.
  4. Put that link behind the buy button on a sales page.
Replo docs: ask Replo to create the product with the prompt 'Use this Stripe Payment Link as its external checkout', and Replo points its Buy Now button at your Stripe checkout

Paste the Stripe link into Replo's chat, and every Buy Now button on the page opens it.

What getting paid with Zelle costs

Zelle is typically free for consumers; check with your bank. A seller link costs a fee but takes any card:

Way to get paidFeeFee on $80You keep
Zelle requestTypically none$0$80, can't be reversed
Stripe payment link, US card2.9% + 30¢$2.62$77.38
PayPal payment link, card2.99% + 49¢$2.88$77.12
Square payment link, Free plan3.3% + 30¢$2.94$77.06
Bar chart of the fee on an $80 sale: Stripe card $2.62, PayPal card $2.88, Square Free plan $2.94, PayPal paid with PayPal or Venmo $3.28

The seller links are 66¢ apart on an $80 sale, so pick the app your buyers already use.

What Zelle can't do for a sale

  • No payment link at all
  • Requests only to enrolled users
  • US bank accounts only
  • Payments can't be reversed
  • Send only to people you trust

When a link alone isn't enough

Visitors want to know what they get before paying. Replo builds that page and points its buttons at your link.

You needA payment link aloneA Replo page + your link
Explain the offer before the priceNoYes
Reviews, photos and answersNoYes
Your own domainProvider's addressYes
Several products on one pageOne link eachYes, a button each
See which ad brought the saleUTM tags onlyVisits, clicks and heatmaps
Replo docs, How It Works: customer lands on your Replo page, clicks Buy Now, the button redirects to your external checkout link, and the customer pays there

The Replo page makes the case; its Buy Now button sends the buyer to your payment link to pay.

Frequently asked questions

Does Zelle have a payment link?
No. Zelle sends money between US bank accounts and can request money only from people already enrolled, by email or US mobile number. To take payment with a link, use a Stripe payment link, PayPal or Square.
Does Zelle charge fees?
Typically not for consumers. Zelle says most people pay nothing to send or receive money, and to confirm with your bank or credit union. A seller link costs about $2.62 to $2.94 on an $80 sale, but takes any card.
Is Zelle safe for selling to strangers?
It's a poor fit. Zelle payments can't be reversed, and Zelle itself says to send money only to people you know and trust. Buyers you don't know are safer paying through a card checkout like Stripe, PayPal or Square.
Can Replo take Zelle payments?
No. Replo builds the sales page and points every buy button at a checkout link you paste in, such as a Stripe, PayPal or Square payment link. For one-time digital products, Replo checkout can take card payments too.
Where do these steps and fees come from?
From each company's own pages: Zelle: Frequently asked questions, Stripe: Pricing, PayPal: Merchant fees, Square: Our fees. Fees change, so check them before you set a price.
Replo docs, When to Sell on Replo: perfect for digital content or products, simple SKUs and testing demand; not for physical products or large catalogs with variants

Replo checkout suits digital products and simple items. For subscriptions or shipping, keep the payment link.

Build the page around your link

Fill in the brackets and send it. Replo builds the sales page and points every button at your Stripe, PayPal or Square link.

Your first message

Create a product called [product name] at [price]. Use this payment link as its checkout: [your link]. Then build a sales page for it: who it's for, what they get, three reviews, and a buy button in every section.

Start with this prompt

See what works, then improve it

Every site you publish comes with analytics, heatmaps, A/B testing and reports.

  • Live

    Analytics on every page

    See visits, traffic sources and sales for every page you publish.

    See analytics

  • Live

    Heatmaps

    See where visitors click and how far they scroll on each page.

    See heatmaps

  • Live

    Reports on a schedule

    Get your site's traffic and sales emailed to your team daily or weekly.

    See reports

  • Live

    A/B testing

    Split traffic between two versions of a page and keep the one that wins.

    How it works

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