Zelle. This is how money moves®

Person-to-person (P2P) payments have revolutionized the way consumers exchange money, with the number of users growing exponentially. Once a nice-to-have, digital P2P payments have become a must-have solution for financial institutions.



Taking the industry by storm: The adoption of P2P applications is growing at rates U.S. retail banking has not seen since the rush to launch debit cards in the late '80s and early '90s.



of U.S. consumers
made an electronic
P2P payment in 2017


P2P transaction
volume expected to reach
$261 billion by 2019


By 2020, 2 out of 3
adults will use a P2P
service annually

Sources: Digital Person-to-Person Payments in the U.S., Aite Group, 2017 | P2P Market Sizing, Javelin, 2017




Mobile made all the difference.

Though P2P payment technology has been around for more than a decade, its recent popularity was spurred by the adoption of mobile phones and tablets.

Mobile P2P payment volume (in dollars) has grown by over 39 percent over the past three years.

Source: P2P Market Sizing, Javelin, 2017




Along with universal appeal, P2P payment products are bridging the generation gap

Percentage of consumers who have used online or mobile P2P payment solutions by generation:






Source: Digital Tracker Study, Early Warning Services, LLC, July 2018

Zelle Network® by the numbers


more than


users enrolling daily



million transactions

processed in 2018

Source: Zelle Network



billion in payments

in 2018

Users of P2P payment services are more likely to have a greater number of revenue-producing services at their primary financial institution.



P2P payment usage






     Number of revenue-producing services at primary financial organization



Source: Expectations & Experiences: Consumer Payments, Fiserv, 2017

Zelle not only benefits consumers, but financial institutions as well.



Ubiquity for consumers

Customer retention and attraction

Website and mobile app monetization


Fast payments

Cash-expense reduction


What you get with Fiserv as your partner

Turnkey Service for Zelle

Reduces implementation complexity and delivers fast time to market


Built and enabled P2P payments for more than 2,600 financial institutions

Digital money movement specialists

30 billion digital payments annually and more the $75 trillion moved annually

Risk management expertise

Best-in-class tools and practices

Implementation timing may vary by financial institution


Your consumers are calling for a fast, safe and easy way to send money to friends and family.
Give them a best-in-class experience with Zelle.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Have a question for us?

For more information on Turnkey Service for Zelle, call us at 800-872-7782 or contact us at Zelle@fiserv.com.

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