Zelle® for your small business
Frequently Asked Questions

What is Zelle®?
Zelle® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your Synovus bank account with just your email address or U.S. mobile number.

How do I use Zelle® with a small business account?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Synovus Gateway Digital banking from your desktop or mobile app, select “payments” and then “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.

How do I know if my small business is eligible to use Zelle®?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Synovus Gateway digital banking. If you don’t see Zelle®, please call our customer support team at 1-888-SYNOVUS(796-6887).

Are there any fees to use Zelle® with a small business account at Synovus?
No, Synovus does not charge any fees to use Zelle® with a small business account.

Your mobile carrier's messaging and data rates may apply.

Does Synovus or Zelle® offer purchase protection?
Neither Synovus 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.

Can I reverse or cancel a payment?
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 888-SYNOVUS (796-6887) 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 888-SYNOVUS (796-6887) to determine what options are available.

I believe I’ve been a victim of a scam. Who should I contact?
Please contact our customer support team at 888-SYNOVUS (796-6887). Qualifying imposter scams may be eligible for reimbursement.

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

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

How do I tell my customers that they can pay me with Zelle®?
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

If I use Zelle® for my small business, will Zelle® integrate with software?
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software (Quicken or QuickBooks) through Gateway, you will see the Zelle® transactions.

Are there any limits for sending and receiving money with Zelle®?
The With Zelle®, money paid from your account(s) cannot be more than $3,000 per day, or more than $15,000 in the last 30 calendar days. There is not a limit to the number of transactions you can send, if you work within these dollar limits. These limits apply to both small business and personal accounts.

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 Gateway, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code via email, text message or print it on an invoice, business card or flyer.

To send money, log into Gateway, click “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.