What is the downside of using Zelle?

The biggest downside of Zelle is that payments usually cannot be reversed once sent. That makes it fast and convenient, but also risky if you send money to the wrong person or get scammed. Zelle is best for paying people you know and trust, not for buying goods from strangers. Another limitation is that not every bank supports the same features or transfer limits. Zelle also has less buyer protection than credit cards or platforms like PayPal. If a problem occurs, your bank may not be able to recover the funds. For that reason, Zelle is efficient, but it requires careful use and verification of the recipient.