Does Zelle Have QR Code? See How To Use It


One of the most popular ways to pay at stores in 2023 is by scanning a QR code with your smartphone. As long as you have a payment app that supports payment via QR codes, you should be able to pay by scanning the code using the payment app.

With most banks in the United States natively integrating the Zelle payment service, you may want to consolidate all your payment to the app. Since the future of payments is QR codes, it makes sense to ask if Zelle allows you to pay by scanning QR codes.

In this article, you’ll learn everything you need to know about the Zelle payment service and QR codes. Not only will you learn if you can scan QR codes to pay using the app, but you’ll also learn how you can offer QR code payments for your store using Zelle.


Does Zelle Have a QR Code?


Before answering this question, it’s crucial to learn a bit about what Zelle is exactly and how it works. If you’re reading this, I assume you already know that Zelle is a payment service, similar to the likes of Cash App and owned by top banks in the United States.

However, it’s also crucial to note that Zelle is not the same for everyone. Most banks only implement a section of the app that works best for them, and the differences might be pretty huge. In some cases, it even becomes difficult to believe you’re using the same payment service.

For instance, the sending limit for Zelle is not uniform for all users. Bank of America Zelle users have different sending limits compared to Capital One Bank Zelle users. While that’s not the point of the article, it’s still pretty important for the point I’m trying to make.

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To answer the question: “does Zelle have QR code?” the answer is that it depends on your bank. If your bank offers the QR code option with Zelle, you’ll be able to scan to pay easily, otherwise, you’ll receive an error message each time you intend to pay with the mobile payment app.

In other words, the correct question to ask is if your bank offers QR codes with Zelle, which is often not the case. If you’re desperately in need of the QR payment feature, don’t fret; the rest of this article will show you how to go about it.

However, you should note that everything I’ve said earlier only applies to UPI QR codes, which are typically generated by point-of-sale systems at stores. If you’re talking about QR codes that lead to your Zelle profile, of course, Zelle offers them, and you don’t even need a mobile payment app to scan those codes.


How to Generate Your Zelle QR Code


As mentioned, you do need to generate your Zelle QR code before you can even think of sending it to someone for payment. Thankfully, all banks that let you generate a QR code with Zelle also make the entire process easy.

  • Firstly, you have to sign in to your Zelle account on the mobile app.
  • Then, tap (or click) on the “My Code” tab, and you should see your QR code on this page.
  • You’ll also see icons to share with your friends or print the QR code to put on a website or paper.
  • To share the code with any of your friends, you can tap on the appropriate social media or instant messaging app from the share sheet.
  • From within those apps, share the code with whoever you want, and they can scan it using their Zelle app to pay.
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How to Send Money Using Zelle QR Code


If your bank can send money using the QR code option, you may want to use it instead of having to type in an email address or phone number. To send money to someone using the QR code option, you can follow the steps below.

  1. Choose to send money with Zelle from your banking app. You can do that by trying to send money and selecting the “Send With Zelle” option. You can also open the Zelle app to try sending money directly.
  2. When you get to the stage where you have to enter the email address or phone number of the recipient, look atop the screen and you’ll see a QR code icon. Tapping on the icon should open a camera within the Zelle app instantly.
  3. Using the camera that just loaded up, point to the QR code of the recipient and the app should automatically pull their details. Enter the amount you intend to send in the transaction, authenticate the transaction, and voila!

You can confirm you’re sending money to the correct person by checking the name that comes up when you scan the QR code. If it differs from what it should be by a letter, you should consider entering their email address manually.


How to Receive Payments Using the Zelle QR Code


Just as you can send payments using the QR code option with Zelle, you can also receive payments from other Zelle users by having them scan your code. You can generate your code from within the Zelle app before providing it to whoever is paying.

To receive payments from another Zelle user, you can send them the link to this article. That will teach them all they need to know about paying with Zelle QR codes without you saying anything. However, you want to precede the article link with your QR code to ensure they’ll send the money to you.

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Again, sending your QR code requires you to know how to generate the code in the first place. In the following section, you’ll learn how to generate your profile code easily from within the Zelle app to ensure you can receive payments from others effortlessly.



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At this point, it’s pretty clear that Zelle does have a QR code that you can scan to pay and use to receive payments from others. This article details how to generate the QR code to receive payments from others, as well as how you scan it to pay others.

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