One Platform. Every Rail. Now With Zelle®.
Offer fast, secure P2P and small business payments through Orbipay Payments Hub for Zelle®—delivered inside your digital banking experience.
Problem
P2P Payments Are No Longer Optional
Customers expect Zelle® directly within their digital banking experience. When it isn’t available, money movement migrates to third-party wallets—taking engagement, deposits, and data with it.
P2P activity happens outside the FI ecosystem
Increased customer frustration and service inquiries
Deposit loss to fintech wallets
Operational silos and fragmented reporting
The Gap Is Growing
of users say Zelle® positively impacts how they view their FI
of consumers would switch banks for access to Zelle®
Zelle® users make ~3.2 more debit transactions/month
increase in payments to small businesses in the first half of 2025
Solution
Fast, Secure Money Movement — Right Inside Your Digital Banking Solution
Your accountholders expect to send money in minutes—not days. Zelle® lets them send and receive payments fast using just a U.S. mobile number, email, or Zelle® tag—while keeping account details private. With Orbipay Payments Hub, you can launch Zelle® directly in your digital channels—no core changes, no delays, and no reason to let members turn to another provider.
Value
Simplify Ops, Amplify Growth: Modern Payments Hub for Banks & Credit Unions
Orbipay Payments Hub provides a unified, cloud-native platform that integrates seamlessly with existing systems and supports all major payment rails, enabling faster deployment, secure operations, and scalability.
Value
Why Orbipay Payments Hub?
Built to power innovation, scale, and agility in payments
Orbipay Payments Hub goes beyond simply enabling Zelle®. It allows financial institutions to deliver Zelle® as part of a broader, unified payment strategy without adding vendors or operational burden. We empower your institution to:
- Accelerate deployment through our turnkey reseller model
- Mitigate risk with built-in, multi-layered fraud controls
- Drive customer engagement and increase deposits/transactions
Key Capabilities
A Faster, Lower-Lift Path to Offering Zelle®
Getting Zelle® through Alacriti simplifies how financial institutions offer Zelle®, with Alacriti handling operational and compliance requirements.
Person-to-Person (P2P) Payments
Send and receive money between enrolled users in minutes using email addresses or U.S. mobile numbers.
Eligible Small Business Payments
Give small businesses a simple, familiar way to get paid by consumers.
In-App Zelle® Experience
Offer Zelle® directly within your online and mobile banking experience.
Real-Time Payment Confirmation
Provide fast confirmation and visibility for both senders and recipients.
Network-Based Reach
Connect customers to the broad Zelle® network of 2,300+ participating banks and credit unions.
Key Benefits
The Business Case for Zelle® Through Alacriti
Increase Engagement & Retention
Reduce Wallet Displacement
Simplify Operational & Compliance Requirements
Reduce Implementation Efforts
Offer an Accountholder Secured P2P WithTheir Trusted FI
Case Studies
We Help Customers Achieve Superior Business Outcomes
Launched Instant Payments and processed $15.5 MM in 3 months
Customer
Royal Credit Union
Industry
Credit Union
Veridian Credit Union Among the First To Connect to the FedNow® Service
Customer
Veridian Credit Union
Industry
Credit Union
Real-Time Results: 2,300+ Transactions and $5M Moved in Two Months at ABNB
Customer
ABNB Credit Union
Industry
Credit Union
Frequently Asked Questions
How do customers enroll in Zelle® through their bank or credit union?
Customers enroll in Zelle® directly through their bank or credit union’s online or mobile banking experience using an email address or U.S. mobile number.
What happens if a recipient isn’t enrolled in Zelle®?
If a recipient isn’t enrolled, they receive a notification with instructions to enroll through their bank or credit union before completing the payment.
Can banks and credit unions offer Zelle® alongside other payment rails?
- Yes. Zelle® is commonly offered alongside other payment options, allowing financial institutions to support a wider range of real-time payment use cases and reach more recipients.
Is Zelle® intended for consumer use only?
Zelle® supports both consumer payments and eligible small business use cases, enabling businesses to receive payments directly from consumers.
Let’s Talk About Your Payments Strategy
See how Orbipay Payments Hub can simplify operations, accelerate innovation, and future-proof your payments ecosystem.
