Real-Time Payments with Zelle®

Deliver the seamless, real-time payments experience customers already expect — directly within your bank’s trusted digital environment.

With over one trillion dollars in transaction volume and 160+ million¹ consumer and small business accounts, Zelle® is transforming the payments landscape.

If you’re not offering Zelle®, your customers will look elsewhere for the convenience of P2P and small business payments. With Primax, you can implement this in-demand payments experience quickly and easily to help keep everyday transactions where they belong: with your financial institution.

¹ Zelle Press Release

A Faster, More Seamless Payment Experience

Customers increasingly expect convenient digital payment options and instant money movement. Zelle® helps community banks meet those expectations while reinforcing the trust and relationships that set community banking apart.

Backed by Primax’s payments expertise and dedicated support, banks can launch Zelle® with confidence and deliver a seamless experience across digital banking channels.

Streamlined transaction authorization through Primax account-based rails
Proven network reliability and consistency

Built for Everyday Engagement

P2P and small business payments have become part of everyday banking behavior. Customers want to send money quickly, split expenses and move funds with ease — and they expect to do it through their bank.

Primax helps community banks deliver a convenient Zelle® experience that supports stronger engagement and long-term retention.

Customer enrollment is reaching 40–50% of total DDAs
More than 25% of DDAs use Zelle® every month
Seamlessly branded digital experience

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Fraud Mitigation for Real-time Payments

Speed matters — but so does security. Across the Zelle® network, 99.98% of transactions are sent without a report of fraud or scams, and Primax helps community banks support safer real-time payments through built-in monitoring and risk management tools.

AI-driven fraud mitigation capabilities
Real-time denials
Suspicious decline reporting

Proven Payment Performance at Scale

161 million enrolled Zelle® users (Zelle Press Release)

Over $1.2 trillion in annual payment volume in 2025 (Zelle Data Center)

An average of $3.4 billion moved every day in 2025 (Zelle Data Center)

26% growth in SMB payments in 2025 (Zelle Data Center)

Real-Time Payments are the New Expectation

Explore Primax research on how P2P payments, digital wallets and instant payment expectations are reshaping the customer experience for community banks.

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