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Zelle® is a fast, safe and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S.2, 4. If your customers use Zelle® within their mobile banking app, they can send payments directly to your East West Bank bank account with just your email address or U.S. mobile number1. With Zelle®, payments typically arrive within minutes2.

There are a few ways you can encourage your customers to pay you with Zelle®.

  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
  • Use Zelle® to request money3 from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).
  • Add pre-approved Zelle® content to your business website: zellepay.com/smallbusiness-toolkit.

Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into BusinessExpress Online Banking or Mobile App and select “Send Money with Zelle®

Select the company name, review and accept the terms and conditions, select the email or U.S. mobile number to enroll, select the primary account you want to use to send and receive money, enter the verification code and you're ready to start sending and receiving money with Zelle®.

To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1,2

If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the customer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

To request money using Zelle® with a small business account, click “Send Money with Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”

If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app (not through a banking app), they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

Neither Zelle® nor East West Bank offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

In most cases, if your small business account is eligible for our BusinessExpress Transfer & Pay services, it will also be eligible to enroll in Zelle® for Small Business. Once a business entity has been enrolled in Zelle®, you can use the Settings feature to view and, if applicable, update the business account that will be used to send and receive money for the enrolled business.

Keeping your money and information safe is a top priority for East West Bank. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your East West Bank account safe.

When you use Zelle® with a small business account, you can send money to other small businesses with an eligible account at a financial institution that offers Zelle® to small businesses. You can also send money to consumers that have access to Zelle® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle® app.

If the small business or consumer you send money to has already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people or businesses you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, East West Bank does not charge a fee to use Zelle® with a small business account.

You can receive payments from consumers using Zelle® through their bank’s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle® to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle® app.

Whether you use Zelle® with a small business account or a personal account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app2.

Once you’re enrolled with Zelle®, money you receive is typically available within minutes2.

To get started, log in to the East West Bank BusinessExpress Mobile App or Online Banking service1. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, if your email name@email.com is enrolled with Zelle® for use with your personal account, you would need to use a different email or U.S. mobile number for your small business account enrollment.

First, you should enroll your eligible small business with Zelle® through the East West Bank BusinessExpress Mobile App or Online Banking service1. Second, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. You don't need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”  If you do not see this option available, please contact our customer support team for assistance with canceling the pending payment, if available.


If you send money to a small business or consumer that has already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. If you sent money to the wrong person, please immediately call our customer support team so we can help you. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you try to send money to a consumer who is enrolled in the Zelle® app, the payment won’t go through and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending money to users enrolled in the Zelle® app.

Once you've enrolled your eligible small business with Zelle®, you can request payments directly through the BusinessExpress Mobile App1 or Online Banking service by clicking “Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the recipient is correct (make sure you’ve entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and choosing “Request”.

If your customer is using Zelle® through their bank’s mobile app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

In order to use Zelle®, the sender’s and recipient’s bank or credit union accounts must be based in the U.S.

Please call our customer support team so we can help you.