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Overview

The Fund with Zelle feature enables merchants to accept customer deposits through Zelle while ensuring accurate identification and reconciliation of payments. Before a customer initiates a transfer, their Zelle ID is validated and linked to their registered name. This prevents callbacks/chargebacks, incorrect transfers and ensures the funds can be reliably attributed once received.

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How It Works

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1. Customer Zelle ID Validation

The customer provides their Zelle ID (email address or phone number). The system:
  • Validates the Zelle ID to confirm it is active (takes between 12-24 hours)
  • Retrieves the associated account name
  • Confirms the name match the customer provided name before proceeding
This step ensures the Zelle ID belongs to the intended customer.

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2. Funding Instruction

Once validation is successful:
  • The merchant shares Sturdy Technologies Zelle ID with their customer
    payments@cashwiseinc.com
  • The customer initiates a Zelle transfer to the merchant using the Zelle Id
  • The customer must include their user_id with the merchant unique five (5) character prefix as the memo/reference
The memo is required to correctly associate the incoming funds with the customer’s account.

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Required Memo Format

When completing the Zelle transfer, the customer must use the following memo: merchant's prefix + user_id Example: STECHusr8f3a21c9 Transfers without the correct memo may result in delayed or failed reconciliation.

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Important Notes

  • Only validated Zelle IDs can proceed to funding
  • The customer name returned during validation should be confirmed before payment
  • Each transfer must include a unique merchant's prefix + user_id memo
  • Zelle transfers are subject to bank processing times and limits

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Error Handling

Common validation errors include:
  • Invalid or unregistered Zelle ID
  • Unsupported Zelle identifier format
  • Missing or incorrect transfer memo
Ensure proper error messaging is displayed to the customer before retrying.