If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you shouldn’t use Zelle for this type of transaction.
These transactions are potentially high risk (just like sending cash to a person you don’t know). Neither Members Cooperative Credit Union nor Zelle offer a protection program for any authorized payments made with Zelle– for example, if you don’t receive the item you paid for or the item isn’t as described or expected.
