Use Zelle^® with Amex^®
Business Checking

Zelle^® is a fast and easy way for small businesses to send, receive, and request money with customers and eligible vendors you trust from your American Express Business Checking Account. Transactions between enrolled customers typically occur in minutes. Select transactions could take up to 3 business days.

Eligible small business accounts can send, receive, or request money with Zelle^®. Enrollment in Zelle is required to use this service.

To enroll in Zelle^® log into American Express’s online banking or mobile app and go to “Pay”. Select “Send Money with Zelle^®” and then “Get Started”. Enter your email address or U.S. mobile number or create/transfer a Zelle^® tag, 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 using Zelle^® with your small business account, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number or Zelle^® tag), 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

To request money using Zelle^® with your small business account, choose “Request,” enter the individual’s enrolled email address or U.S. mobile number or Zelle^® tag, confirm the recipient is correct, add the amount you’d like to receive and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

To receive money using Zelle^® with your small business account, share your enrolled email address or U.S. mobile number or Zelle^® tag 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 typically within minutes and receive a payment notification.¹

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.

2. Select “American Express National Bank”.

3. Follow the instructions provided on the page to enroll and receive your payment. Make sure to note the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into American Express’s online banking or mobile app and go to “Pay” then select “Send Money with Zelle^®.” If you don’t see Zelle^®, please call our customer support team at 1-855-497-1040.

American Express does not charge any fees to use Zelle^® with a small business account in the Amex^® App or online.

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

Neither American Express 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.

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 1-855-497-1040 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^®, 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 sent money to the wrong person, please immediately call our customer support team at 1-855-497-1040 to determine what options are available.

If you believe you are a victim of a scam, please contact our customer support team at 1-855-497-1040. Qualifying imposter scams may be eligible for reimbursement.

American Express takes online security very seriously. Learn more about some of the steps we take to protect your account.

No, in order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

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.

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.

There are no limits to receiving money with Zelle^®. There are limits to sending money with Zelle^®. Please click here to view limits for sending money with Zelle^®.

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the Amex^® App and go to “Pay.” Click “Send Money with Zelle^®,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle^® QR code.

To receive money, share your Zelle^® QR code.

To send money, log into the Amex^® App and go to “Pay.” Click “Send Money with Zelle^®,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, 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 displayed name before sending money.

Admin users on your American Express Business Checking Account(s) can send and receive money with Zelle^®. Please click here to learn more about access levels.

It’s a unique ID for your small business account so customers can identify you more easily e.g. janesflowers10. Customize to make it memorable and easier for others to recognize you. Your Zelle^® tag must be at least 6 characters and no greater than 40 characters.

Use it to send, request, and receive money without sharing your contact information such as your U.S. mobile phone number. When you use your Zelle^® tag, we’ll also share the name registered with your bank account to allow people to know it’s you.

To transfer your Zelle^® tag from another bank or credit union to your American Express Business Checking Account, follow these steps:

1. Click “Add Zelle Profile”

2. Select “Create a Zelle^® Tag”

3. Click “Continue”

4. Click “Transfer Zelle^® Tag”

5. Follow the instructions provided on the page to complete the transfer.

If you are enrolled in Zelle^® and change your current email address or U.S. mobile phone number for your American Express Business Checking Account, you will be prompted to re-enroll in Zelle^® using your new email address or new U.S. mobile phone number.