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Written by Ben Scribner on April 8, 2023
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Does Apple Pay Work With Zelle In 2023?

Apple Pay and Zelle are two popular mobile payment services that allow users to easily and securely send and receive money.

However, they are not the same service and are not directly linked to each other.

In this article, we will explore the differences between Apple Pay and Zelle and whether or not Apple Pay uses Zelle.

What Is Apple Pay?

First, let's take a closer look at Apple Pay.

Apple Pay is a mobile payment and digital wallet service that allows users to make payments using their Apple devices, including the iPhone, iPad, and Apple Watch.

With Apple Pay, users can securely store their credit and debit cards, as well as other payment information, and use their device to make purchases in-store, online, and in-app.

Apple Pay also allows users to send and receive money through its peer-to-peer (P2P) payment feature, which is called Apple Pay Cash.

With Apple Pay Cash, users can easily send money to friends and family members using iMessage or Siri, and receive money from others directly into their Apple Pay Cash account.

Users can then use the funds to make purchases or transfer them to their bank account.

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What Is Zelle?

Now, let's take a closer look at Zelle.

Zelle is a P2P payment service that allows users to send and receive money quickly and easily using their mobile device.

Zelle is available through a number of different banks and credit unions, and users can link their bank account to the service to make and receive payments.

Zelle allows users to send money directly to another person's bank account, typically within minutes, without the need for cash or checks.

The service is free to use, but users must have a bank account and their bank must be a participating member of the Zelle network.

Does Apple Pay Work With Zelle?

So, does Apple Pay use Zelle? The answer is no.

Apple Pay and Zelle are two separate services that operate independently of each other.

While Apple Pay offers a P2P payment feature, it uses its own payment network and does not integrate with Zelle.

Similarly, Zelle operates independently of Apple Pay and does not require the use of an Apple device to make or receive payments.


In conclusion, both Apple Pay and Zelle offer convenient and secure ways for users to send and receive money using their mobile devices.

While they are not the same service and do not use the same payment network, both services are popular and widely used by millions of people around the world.

Whether you prefer to use Apple Pay, Zelle, or another mobile payment service, it's important to choose a secure and reliable option that meets your specific needs and preferences.

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Article written by Ben Scribner

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