Send and Receive Money with Zelle®

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started log into TD Bank’s online banking or mobile app and select “Send Money with Zelle®”. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle^®.

To send money with Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.¹

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request. 

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into log into TD Bank’s online banking or mobile app and select “Send Money with Zelle®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

No, TD Bank does not charge a fee to use Zelle® with a small business account.

There are a few ways you can encourage your customers to pay you with Zelle^®.

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®”.
• Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).²

Keeping your money and information secure is a top priority for TD Bank. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your TD Bank account safe.

Neither TD Bank nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at + 1 (888)751-9000 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at + 1 (888)751-9000 to determine what options are available.

Who should I call if I have questions or need help?

Please call TD Bank at 1 (888) 751-9000 so we can help you.

Please contact our customer support team at 1 (888)751-9000. Qualifying imposter scams may be eligible for reimbursement.

In order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Please select A or B question/answer based on if your FI has enabled Zelle^® QR code.

A. How do I use a Zelle^® QR code with a small business account?

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the TD Bank’s online banking or mobile app and select “Send Money with Zelle®.” Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle^® QR code.

To send money, log into the TD Bank’s online banking or mobile app and select “Send Money with Zelle®.”. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money. 

B. A customer asked me to share my Zelle^® QR code. Where can I find this feature?

The Zelle^® QR code feature is currently not available at TD Bank, but we’re working hard to offer the ability to use a Zelle^® QR code. In the meantime, Zelle^® still provides a fast and easy way to receive money by sharing your enrolled email address or U.S. mobile number with your customers.¹

It is a unique ID for your small business account that makes it easy for customers to recognize you and can be used to send, receive, or request money instead of your U.S. mobile number or email address.