Quote from: realestone on February 10, 2021, 02:49:30 AM

i think zelle can be reversed thats not good for both parties

I'm pretty sure Zelle is impossible to reverse. The issue would be making sure the Zelle money shows up. Once it shows up, I'm pretty sure it cannot be reversed. But read this:

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Can I cancel a payment?
You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle. You can go to your activity page within the Zelle experience, either within your mobile banking app or the Zelle app, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled.
https://www.zellepay.com/support/can-i-cancel-a-payment

Also this:

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That is not the case. Zelle is owned and supported by over 30 financial institutions, but each one of them treats Zelle transactions as cash—not as a credit or debit card. That means that you can’t just contact a bank and reverse a transaction like you would with a credit or debit card transaction.

Neither Zelle nor the banks behind it offer a protection program for payments made with Zelle. If you make a purchase using Zelle, but you are not happy with the product, or you never receive the item, there is no in-app way to request a refund. Banks also won’t initiate a chargeback in this case.

Can You Cancel a Zelle Payment?
There are only two cases in which you can cancel a payment made with Zele:

If you send money to the wrong person
If the payment expires
Cancel a Zelle Payment if You Sent Money to the Wrong Person
If you made a mistake when sending money and entered an incorrect phone number or email address, you might be able to cancel the payment.

This is only possible if the money isn’t already credited to the recipient’s bank account. You can cancel the payment either with the Zelle app or through your mobile banking app.
https://donotpay.com/learn/zelle-chargeback/

So it seems that in fact you can't charge back or cancel a Zelle payment - UNLESS the money is already credited to the recipient’s bank account. If the money is completed the transfer, it can't be taken back.