Sometimes you’ll find customers wondering, “Why won’t my Zelle payment go through?” In case, you’re one of them, prepare to get the answer once and for all.

Zelle payment has a promise of going through in minutes, so when you see these error codes, you might panic. We have the fixes, though, and they are too easy. 

Why Am I Having Issues With Zelle Payment?

The most probable reason for Zelle’s payment not going through is an incorrect mobile number or email address. The recipient might not have completed their Zelle enrollment. Faulty servers on Zelle or your bank’s end could also be the root of the issues. You may have also gone over the daily, weekly, or monthly transaction limit. 

Reasons Why Won’t My Zelle Payment Go Through?

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Why Won’t My Zelle Payment Go Through?

For those who’re struggling to find out “Why won’t my Zelle payment go through?” Here is the most probable answer. Before anything else, you must consider several possibilities which have a role to play in the issue one way or the other. Let’s take a look at them one by one. 

1. The Recipient Haven’t Already Enrolled

You might be thinking that your Zelle payment did go through because something glitched is residing at your end. However, the case can be different. The pending sign beside the payment can represent the fact that the payment hasn’t hit the recipient’s bank.

Your recipient has to enroll with Zelle if they haven’t already. When you pay un-enrolled recipients, they simply receive a notification on their email or mobile phone asking them to complete their enrollment for receiving the money. 

They have to do this within 14 days. Otherwise, your Zelle payment won’t go through and will return to your account at the end. 

2. Incorrect Recipient Details

The recipient details you received may be incorrect. Yes, that’s another possibility. Admit it! We’re not free from doing mistakes. You could also have committed one while entering the phone number or email address. Recheck it. 

If the information you received is correct, confirm with your recipient the email or number they used to enroll. 

Quick Tip: If your recipient is in the process of enrolling, request them to register with the number or email address they sent you for payment. 

3. Bank or Zelle Servers Down

Two different systems work together for a Zelle payment to occur successfully. If you make the payment through your banking app, you are using the QuickPay with Zelle option. 

Your bank must process the payment, and Zelle delivers it at an extremely high rate. If any of the two servers are experiencing issues, payment won’t go through. 

The ever-annoying server issues could be due to a customer traffic overlord or the result of a maintenance check. 

You can check if the server is down for your bank or Zelle on sites such as DownDetector

Note: Your mobile banking app should also be updated to its latest version for smooth payment. The same applies to the Zelle mobile app if that is what you use. 

4. You’re Reacting Too Quick

You may have been too hasty in this situation by searching, “Why won’t my Zelle payment go through?” 

In case, you don’t already know, Zelle waits for 1 to 3 days before the first transaction is processed to minimize the possibility of fraudulence and set up your account correctly. 

It’s not that your payment didn’t go through. It’s been delayed to 3 business days instead of a minute. 

4. Suspicious Activities

Your payment will be temporarily paused if Zelle or your bank notices suspicious activities on your account or the recipient’s account. 

Once the issue has been solved, you can try to send them a payment again. 

5. Exceeded the Transaction Limit

For customers’ protection, Zelle has a strict upper payment limit. However, this limit varies with the banking service you use with Zelle. 

To give a good example, let’s look at the transaction limits of Bank of America with Zelle. 

If you’re an individual:

  • You can not send more than $3,500 to a single person within 24 hours. 
  • You can not send more than 10 accounts money within 24 hours. 
  • Within 7 days, you can only make payments to 30 accounts. 
  • You can not send more than $10,000 within 7 days.
  • You shall not make payments to more than 60 accounts within 30 days. 
  • The total amount sent by your account to other people should not go over $20,000 within 30 days. 

If you’re a small business:

  • You can not send more than $15,000 in a day. 
  • No more than 20 accounts should receive money from you within 24 hours. 
  • Your recipients can not exceed 60 within 7 days.
  • In total, all your recipients can not receive more than $45,000 within a week. 
  • You can not go over $60,000 in transactions in a month. 
  • You can not send money to over 120 accounts in 30 days. 

In case, you have exceeded any of these limits, your Zelle payment won’t go through. 

Also, if and when Zelle isn’t available with your bank, you can only send $500 weekly in the Zelle mobile app. 

How to Fix Issues With Zelle Payments?

Now that you know “Why won’t my Zelle payment go through” let’s uncover the ways to tackle the same. But before that, there is something you must understand first. The ways to fix issues with Zelle payments are somewhat a dependent variable. In simple words, fixing “Why won’t my Zelle payment go through” depends on the reasons why it occurred.

Here is how you can deal with it:

  • If the recipient’s details are incorrect, ask them to send the right contact information. Once you’ve received that, use the same to rectify the incorrect inputs.
  • When you send money to someone who hasn’t enrolled, ask them to complete the enrollment process. 
  • If you have exceeded the payment limit, you have to wait to pass the limit period. Zelle doesn’t allow customers to send requests for increasing or decreasing the limit. 
  • Are your apps updated? If not, do it right away. Also, you can head over and clear the cache before hitting update. This will ensure there won’t be a hiccup with the payment due to the false memory of the system. 
  • For server issues or Zelle wrongfully flagging your account for suspicious activities, you can contact your bank or Zelle’s customer service team to clear the confusion. 

For your bank, you will be able to find some sort of helpline on the mobile app or on your passbook. 

To contact Zelle’s customer service team:

  • Go to Zelle’s website
  • Scroll down until you find Contact Us at the bottom. You can also use the address we linked. 
contact zelle
  • Head over to the Payments & Requests tab. 
  • Select Failed Payment.
contact Zelle
  • Leave your contact information and details of the payment failure. 
  • The support team will respond in 2 business days with an email. 

You can also call 001 501-748-8506 directly to talk to a representative. 

To know the status of the payment, you will generally be able to find a balance section under the profile tab of your banking app. 

However, if you can not find any such section, you can contact Zelle at 844-428-8542 to check the payment status. 


1. Is there a limit to how much money you can receive with Zelle?

No, there is no limit to how much money someone can send you on Zelle. 

2. What is the minimum payment amount on Zelle?

You have to spend at least $1 on Zelle to another person for the payment to process. 

3. Can you check your Zelle spending limits?

Yes, when making a Zelle payment, if you tap on the From section, the dropdown menu will show all your payment limits. 

[Answerd] Why Won’t My Zelle Payment Go Through?

Now that you have your answer to the “Why won’t my Zelle payment go through?” scenario, it’s a matter of waiting for the issue to fix itself. If it turns out the Zelle payment problem persists even after contacting the support team, try paying the person through Venmo or some other Cash App for the time being. 

Also, it is always a good idea to verify all your inputs before processing the payment. What it will do is make sure that the issue doesn’t arise from your end.

That’s all you need to know about, “Why won’t my Zelle payment go through” and how to fix it.

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