Difference Between Zelle and PayPal

Zelle and PayPal are digital services in which users send and share the money of anyone with a bank account with a participating bank. PayPal was founded in 1998. On the other hand, Zelle was founded in 2017.

Main Difference

PayPal is more famous than Zelle and operates in more than 210 countries, while Zelle is available in Uthe United States. In addition, Zelle offers users to send and receive money between banks, while PayPal provides users to send and receive money between bank accounts, debit cards, and credit cards. Let us discuss the main differences between Zelle and PayPal in detail.

What is Zelle?

Zelle is a digital payment network in the United States. It allows the users to send and receive money from the bank account to other people. Users can be sent and receive money using email addresses and phone numbers.

In addition, it is an easy way to send money to your friends and relatives with any check sign. But it is essential to note that the receiver and the sender have a bank account in participating banks. Moreover, Zelle, founded in 2017, is gaining popularity daily and is a fast and easy way to send and receive money. In Zelle, funds are directly transferred to the bank account and are available in minutes.


  • Fast and easy way to transfer the money
  • Available at any time, day or night
  • It does not demand any fee
  • Easy to use
  • Safe and secure

What is PayPal?

PayPal is an instant money transaction application for one place to another place internationally. It is effortless to transfer money with the help of PayPal. Moreover, it keeps the information of users encrypted. It is highly secure to transfer money from PayPal.

Furthermore, it does not require users’ personal information and keeps their data safe. In addition, PayPal is the more convenient platform for transactions. You can transfer and receive money, pay online, and buy accessories from marketplaces. In PayPal, users can transfer a maximum of $9000-$10000 monthly. In addition, it is an electronic system that transfers money from one account to another account or from one country to another country.


  • Transfer money internationally
  • More convenient as compared to other
  • To much faster service
  • Easy to use and transfer
  • Secure and encrypted
  • It does not require any personal information
  • Easy to create an account

Major differences between Zelle and PayPal

  1. In Zelle, funds are available within minutes of the transaction. Conversely, in PayPal, funds are available in a few days during the transaction.
  2. Zelle allows their user to send and receive money between bank accounts, while PayPal enables users to send and money between bank accounts, debit cards, credit cards.
  3. Zelle does not demand any fee for sending and receiving. On the other side, PayPal demand fee for sending and receiving.
  4. Zelle is available in the United States, while PayPal is available in more than 210 countries.
  5. PayPal offers the buyer and seller protection of some transactions to save the user from fraud, while Zelle does not offer this.

Comparison Table

Features Zelle PayPal
Fees It does not demand any fees for sending and receiving Demand the fees
Availability United States More than 210 countreis
Payment processing time Near instant Take  a few days
Currencies supported USD only Multiple Currencies


After this discussion, we can say that Zelle and Paypal are pretty different. However, both platforms can help you to make your transactions easily. S

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