> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sturdytechnologies.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Allow customers to fund their accounts via Zelle with identity validation and traceable payment references.

## 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

### 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
  <Note>[payments@cashwiseinc.com](mailto:payments@cashwiseinc.com)</Note>
* 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.