Guide

How to accept Zelle payments as a business.

Zelle is one of the only ways to get paid with no percentage fee — the money moves bank-to-bank, straight into your account. Here’s how to accept it professionally, keep it organized, and stop reconciling by hand.

✓ $0 in percentage fees ✓ Funds in your bank in minutes ✓ No card reader, no app ✓ Zelle & card accepted

Getting set up

Three things to know before you take your first Zelle payment.

1

Use an email-based Zelle

AxeFee works with Zelle accounts enrolled by email address, so enroll your business bank account with an email (not just a phone number). It’s a one-time setup detail we walk you through.

2

Know the daily limits

Banks cap Zelle sends (often around $2,500–$3,500/day for consumers; business limits vary). For large invoices, split the payment across days or offer a card option. See our Zelle limits guide.

3

Give every payment a reference

Ask customers to include a reference so you can tell payments apart. AxeFee generates one automatically on every order and matches the payment for you.

Doing it the professional way

Raw Zelle has no invoices, no receipts, and no tracking. AxeFee adds all three — free.

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Real invoices & checkout

Send invoices or build a checkout page instead of texting “Zelle me.”

Automatic reconciliation

Payments match themselves to the right order — no spreadsheet.

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Receipts & status pages

Every customer gets a live status page and a printable receipt.

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One organized dashboard

See who paid, who’s pending, and export it all to CSV/Excel.

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Add cards when needed

Offer card payment through your own Stripe for large or remote buyers.

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Share a link or QR

Customers pay from the Zelle already in their banking app.

Zelle is free. Keeping it organized shouldn’t cost 3%.

AxeFee turns Zelle into a professional checkout — invoices, receipts, and automatic reconciliation — with $0 in percentage fees. Keep 100% of every payment.

Get started free

Simple, honest pricing

No percentage fees on any plan. You keep 100% of what you collect.

Free to start
Starter
$0 / forever
  • 25 payments a month, free
  • Unlimited checkout forms
  • Zelle checkout + digital card
  • Live dashboard & exports
  • No card on file, no percentage fees
Business
$29 / month
  • 500 transactions included
  • Card payments via your own Stripe
  • Custom branding & team access
  • Billed after the month, cancel anytime
  • Still $0 in percentage fees

Common questions

Do my customers need anything special?

No — they pay with the Zelle already built into their banking app. You share a link or QR; they send the payment. Nothing to download.

Does my Zelle need to be set up a certain way?

AxeFee works with business Zelle accounts enrolled by email address, so use an email (not a phone-only) enrollment. It’s a one-time setup detail, and we walk you through it.

How does AxeFee match payments for me?

Every order gets its own reference, and AxeFee automatically matches each incoming Zelle payment to the right order and marks it paid. There’s a quick one-time connection during setup, then it runs on its own.

Is it really free?

Zelle itself is free, and AxeFee charges no percentage. The free Starter plan covers 25 payments a month; Business is a flat $29/mo.

Accept Zelle like a real business.

Create a free account and send your first invoice or checkout link in minutes.