Zelle® for Your Small Business

Zelle^® is a fast secure and easy way for small businesses to send, receive, and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Capitol Federal® bank account with just your email address or U.S. mobile number.

Simply log into Capitol Federal®’s online banking or mobile app and select “Zelle®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Capitol Federal’s online banking or mobile app and select “Send Money with Zelle®”.

Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, 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), add 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

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 consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^®, choose “Request,” enter the enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”²

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, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

To determine whether your small business is eligible to use Zelle®, log in to your mobile banking app and look for Zelle®. If you're able to enroll with Zelle® using your small business checking account, then you are eligible to use Zelle®.

No, Capitol Federal® does not charge a fee to use Zelle® with a small business account.

Your mobile carrier's messaging and data rates may apply.

Neither Capitol Federal® nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, Zelle^® payments cannot be reversed.

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 at 1-888-8CAPFED for assistance with canceling the pending payment.

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. This is why it’s important to only send money to people you know and 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 or receiving money to users enrolled in the Zelle^® app.   

If you sent money to the wrong person, please immediately call our customer support team at 1-888-8CAPFED so we can help you.

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

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

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. 

Please call Capitol Federal® at 1-888-822-7333 so we can help you.

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 money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).⁽²⁾
• Download Zelle® marketing assets for free from zelle.com and add them to your website, social media and more!

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Capitol Federal® send limits, call our customer service at 1-888-8CAPFED.

At Capitol Federal®, there are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Please contact our customer support team at 1-888-8CAPFED. Qualifying imposter scams may be eligible for reimbursement.

A Zelle® tag is a unique identifier that you create, much like a username, that allows you to get paid with Zelle® without having to provide your contact information. 

Your Zelle® tag should be:

• Six to 40 characters.
• May include letters, numbers, and hyphens, but no other special characters or spaces. 
• Is not case sensitive. 

To start, think of a Zelle® tag that fits with your small business. For example, if your small businesses name is ABC Company, you might select abc-company as your Zelle® tag. Then, click [Choose “Settings” or “Zelle® Preferences”], click “Create a Zelle® tag” and follow the steps to secure your Zelle® tag. You can now share your custom Zelle® tag and start getting paid without providing your enrolled email address or U.S. mobile number.

You can also send money to an eligible small business, supplier or vendor if they are enrolled with Zelle® through their financial institution’s app.  Find Zelle® in True Blue Online®, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, enter the amount, hit “Send,” and the money is on the way. When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.

Zelle® tags make it easy for your customers to send payments without sharing your contact information.

Sending to a Zelle® tag is just like sending to a recipient’s email address or U.S. mobile number. Find Zelle® in your mobile banking app, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, enter the amount, hit “Send,” and the money is on the way. Make sure to double check that the Zelle® tag is typed correctly, and when sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.

At this time, the ability to create a Zelle® tag is only available to eligible small business account holders. Please confirm with your bank or credit union if you are eligible to create a Zelle® tag for your small business.

No. Zelle® tags are optional. Your business can continue using Zelle® with an email address or phone number if you prefer.  

Yes. Existing email addresses and phone numbers will continue to work even if you create a Zelle® tag.  

Zelle® tags are available only for eligible small business customers. Personal accounts and co‑mingled accounts are not eligible.  

Small business customers can create and manage a Zelle® tag within True Blue Online®. During setup, you will choose a tag name, verify your contact information, and select the account where Zelle® payments will be directed.

Yes. Zelle® tags must be between 6 and 40 characters and can include letters, numbers, and hyphens. They must include at least two letters and cannot start with a hyphen or contain repeated characters.