Since PhonePe is a UPI-based mobile payment app, you can expect transactions to be secure. The app is basically licensed by the government but doesn’t rely on it for everything and is more of an independent e-commerce platform. As it is based on the Unified Payments Interface (UPI), which is an instant real-time payment system developed and approved by the banks of India, you can do banking transactions without much hassle. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle ®.This online payment service was founded in 2015 as a private financial service business. Your mobile carrier's message and data rates may apply.

For more information, view the Zelle ® Transfer Service Addendum to the Wells Fargo Online Access Agreement. To send or receive money with a small business, both parties must be enrolled with Zelle ® directly through their financial institution’s online or mobile banking experience. Payment requests to persons not already enrolled with Zelle ® must be sent to an email address. The Request feature within Zelle ® is only available through Wells Fargo using a smartphone. Neither Wells Fargo nor Zelle ® offers a protection program for authorized payments made with Zelle ®.

For your protection, Zelle ® should only be used for sending money to friends, family, or others you trust. Transactions between enrolled users typically occur in minutes.

checking or savings account required to use Zelle ®. Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required.

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