Zelle for business fees · fees checked 2026-10-29
Zelle itself charges nothing to receive money into a small-business account; your bank sets the limits and any fee, and most charge none. The catch is that your client's bank has to offer Zelle too. Type your amount to see what Zelle saves against what you use now.
Fee and effective rate.
| Payment | Zelle for business (through your bank) |
|---|---|
| $100.00 | $0.00 (0%) |
| $500.00 | $0.00 (0%) |
| $1,000.00 | $0.00 (0%) |
| $5,000.00 | $0.00 (0%) |
On a $1,000 payment this is already the cheapest route we track.
Ranked by fee only. Each route is set up in your own account; PaidRouter never holds your money.
Zelle itself charges nothing to send or receive. Your bank may charge for a small-business profile and sets the limits; most of the large banks charge $0. Check your own bank's Zelle page.
Both sides need a US bank that offers Zelle, limits are often a few thousand dollars a day, payments can't be reversed, and there is no invoicing or card option. It fits repeat clients who pay from a US bank account.
On $1,000: $35.39 against PayPal Checkout, $29.30 against a Stripe card payment, $0 against Melio's bank-transfer request, which also sends an invoice.
| Platform | Method | Fee | Checked |
|---|---|---|---|
| paypal | paypal checkout | 3.49% + $0.49 | source, 2026-10-29 |
| paypal | card online | 2.99% + $0.49 | source, 2026-10-29 |
| paypal | goods and services | 2.99% | source, 2026-10-29 |
| paypal | ach pay by bank | 1%, cap $10 | source, 2026-10-29 |
| melio | ach received | 0% | source, 2026-10-29 |
| melio | card received | 2.9% | source, 2026-10-29 |
| zelle | receive business | 0% | source, 2026-10-29 |
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