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How can I get a refund from a seller who only accepts Zelle?
Comparison of cash concessions vs lower home purchase price?Can I get a rebate after using my HSA?How to cancel an online order and get a refund back from a U.S. service provider?How can I buy a MasterCard/Visa gift card in the US using European MasterCard/Visa?How to get money transferred from the United States to India?Get money from USA to IndiaUS Citizen sending money overseasHow can banks pay interest on money they borrow from the FED?How to shop for mortgage rates ?Buying a home - brokerage fee
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I am wanting to purchase an item and the seller only accepts Zelle. If I send a payment and do not get my item, is there a way to get my money back?
united-states payment
edited May 20 at 17:04
Freiheit
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
|
show 6 more comments
I am wanting to purchase an item and the seller only accepts Zelle. If I send a payment and do not get my item, is there a way to get my money back?
united-states payment
edited May 20 at 17:04
Freiheit
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
6
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
1
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
6
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
2
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
4
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00
|
show 6 more comments
I am wanting to purchase an item and the seller only accepts Zelle. If I send a payment and do not get my item, is there a way to get my money back?
united-states payment
edited May 20 at 17:04
Freiheit
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
I am wanting to purchase an item and the seller only accepts Zelle. If I send a payment and do not get my item, is there a way to get my money back?
united-states payment
united-states payment
edited May 20 at 17:04
Freiheit
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
edited May 20 at 17:04
Freiheit
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
edited May 20 at 17:04
Freiheit
4,53711935
edited May 20 at 17:04
Freiheit
4,53711935
edited May 20 at 17:04
Freiheit
4,53711935
4,53711935
asked May 18 at 15:38
JoyJoy
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
asked May 18 at 15:38
JoyJoy
11413
asked May 18 at 15:38
JoyJoy
11413
11413
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
New contributor
Joy is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.
6
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
1
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
6
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
2
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
4
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00
|
show 6 more comments
6
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
1
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
6
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
2
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
4
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00
6
6
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
1
1
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
6
6
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
2
2
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
4
4
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00
|
show 6 more comments
5 Answers
5
active
oldest
votes
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a refund, and you won't get one. So I would stay well away from this.
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
add a comment |
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions, which are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle - for example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.
If you get scammed, they won't help you in any way to get a refund. Reclaiming the money would be your own responsibility.
answered May 20 at 13:36
PhilippPhilipp
8,48021930
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
add a comment |
Zelle/Venmo do not protect you in this situation, so you'd likely have to resort to the courts to compel re-payment from the seller. Small-claims court can be fairly reasonable, but is not always an option if the seller is in a different state. Costs can quickly add up to more than it's worth, though if successful you might also recoup legal costs from the seller.
If you don't trust the seller stick with payment methods that offer protection, if they are hesitant due to the extra fees associated with other methods then perhaps you would offer to pay a little extra.
answered May 18 at 15:53
Hart COHart CO
37.7k691106
add a comment |
Small claims court. Which will probably cost you more than the cost of the item, and definitely will take long enough for the fraudster to disappear with your money.
You would have no basis to request a reversal of a Zelle transfer, because when you make a Zelle transfer you have to agree to treat the payment as a gift not as a payment for goods. Failure to deliver the goods is not any concern of Zelle or the banks participating in using Zelle for transfers.
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
add a comment |
"Gifts" as a payment method is typically used in case of dubious transactions. Either the seller tries to avoid paying duties and taxes, or they are trying to avoid providing you with something they are obliged to provide (like mandatory warranty), or perhaps they are selling you an item which cannot be sold legally. That is, assuming that they don't plan to simply disappear as soon as they get your money.
A wise piece of advice would be to stay away.
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
add a comment |
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5 Answers
5
active
oldest
votes
5 Answers
5
active
oldest
votes
active
oldest
votes
active
oldest
votes
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a refund, and you won't get one. So I would stay well away from this.
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
add a comment |
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a refund, and you won't get one. So I would stay well away from this.
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
add a comment |
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a refund, and you won't get one. So I would stay well away from this.
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
If the seller only accepts a payment method that doesn't allow you to get your money back, then there is a reason for that. There is a much higher likelihood that something happens where you'd want a refund, and you won't get one. So I would stay well away from this.
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
answered May 18 at 16:01
gnasher729gnasher729
11.1k31732
11.1k31732
add a comment |
add a comment |
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions, which are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle - for example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.
If you get scammed, they won't help you in any way to get a refund. Reclaiming the money would be your own responsibility.
answered May 20 at 13:36
PhilippPhilipp
8,48021930
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
add a comment |
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions, which are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle - for example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.
If you get scammed, they won't help you in any way to get a refund. Reclaiming the money would be your own responsibility.
answered May 20 at 13:36
PhilippPhilipp
8,48021930
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
add a comment |
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions, which are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle - for example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.
If you get scammed, they won't help you in any way to get a refund. Reclaiming the money would be your own responsibility.
answered May 20 at 13:36
PhilippPhilipp
8,48021930
The Zelle FAQ article "I’m unsure about using Zelle® to pay someone I don’t know. What should I do?" can be sumarized in three words: "Use something else".
Zelle is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions, which are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle - for example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.
If you get scammed, they won't help you in any way to get a refund. Reclaiming the money would be your own responsibility.
answered May 20 at 13:36
PhilippPhilipp
8,48021930
edited May 20 at 14:26
answered May 20 at 13:36
PhilippPhilipp
8,48021930
answered May 20 at 13:36
PhilippPhilipp
8,48021930
answered May 20 at 13:36
PhilippPhilipp
8,48021930
8,48021930
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
add a comment |
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
1
1
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
I think the key take away is that you should treat Zelle as cash. If you are not comfortable handling a transaction using cash, then you should not consider Zelle either.
– Rich
2 days ago
add a comment |
Zelle/Venmo do not protect you in this situation, so you'd likely have to resort to the courts to compel re-payment from the seller. Small-claims court can be fairly reasonable, but is not always an option if the seller is in a different state. Costs can quickly add up to more than it's worth, though if successful you might also recoup legal costs from the seller.
If you don't trust the seller stick with payment methods that offer protection, if they are hesitant due to the extra fees associated with other methods then perhaps you would offer to pay a little extra.
answered May 18 at 15:53
Hart COHart CO
37.7k691106
add a comment |
Zelle/Venmo do not protect you in this situation, so you'd likely have to resort to the courts to compel re-payment from the seller. Small-claims court can be fairly reasonable, but is not always an option if the seller is in a different state. Costs can quickly add up to more than it's worth, though if successful you might also recoup legal costs from the seller.
If you don't trust the seller stick with payment methods that offer protection, if they are hesitant due to the extra fees associated with other methods then perhaps you would offer to pay a little extra.
answered May 18 at 15:53
Hart COHart CO
37.7k691106
add a comment |
Zelle/Venmo do not protect you in this situation, so you'd likely have to resort to the courts to compel re-payment from the seller. Small-claims court can be fairly reasonable, but is not always an option if the seller is in a different state. Costs can quickly add up to more than it's worth, though if successful you might also recoup legal costs from the seller.
If you don't trust the seller stick with payment methods that offer protection, if they are hesitant due to the extra fees associated with other methods then perhaps you would offer to pay a little extra.
answered May 18 at 15:53
Hart COHart CO
37.7k691106
Zelle/Venmo do not protect you in this situation, so you'd likely have to resort to the courts to compel re-payment from the seller. Small-claims court can be fairly reasonable, but is not always an option if the seller is in a different state. Costs can quickly add up to more than it's worth, though if successful you might also recoup legal costs from the seller.
If you don't trust the seller stick with payment methods that offer protection, if they are hesitant due to the extra fees associated with other methods then perhaps you would offer to pay a little extra.
answered May 18 at 15:53
Hart COHart CO
37.7k691106
answered May 18 at 15:53
Hart COHart CO
37.7k691106
answered May 18 at 15:53
Hart COHart CO
37.7k691106
answered May 18 at 15:53
Hart COHart CO
37.7k691106
37.7k691106
add a comment |
add a comment |
Small claims court. Which will probably cost you more than the cost of the item, and definitely will take long enough for the fraudster to disappear with your money.
You would have no basis to request a reversal of a Zelle transfer, because when you make a Zelle transfer you have to agree to treat the payment as a gift not as a payment for goods. Failure to deliver the goods is not any concern of Zelle or the banks participating in using Zelle for transfers.
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
add a comment |
Small claims court. Which will probably cost you more than the cost of the item, and definitely will take long enough for the fraudster to disappear with your money.
You would have no basis to request a reversal of a Zelle transfer, because when you make a Zelle transfer you have to agree to treat the payment as a gift not as a payment for goods. Failure to deliver the goods is not any concern of Zelle or the banks participating in using Zelle for transfers.
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
add a comment |
Small claims court. Which will probably cost you more than the cost of the item, and definitely will take long enough for the fraudster to disappear with your money.
You would have no basis to request a reversal of a Zelle transfer, because when you make a Zelle transfer you have to agree to treat the payment as a gift not as a payment for goods. Failure to deliver the goods is not any concern of Zelle or the banks participating in using Zelle for transfers.
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
Small claims court. Which will probably cost you more than the cost of the item, and definitely will take long enough for the fraudster to disappear with your money.
You would have no basis to request a reversal of a Zelle transfer, because when you make a Zelle transfer you have to agree to treat the payment as a gift not as a payment for goods. Failure to deliver the goods is not any concern of Zelle or the banks participating in using Zelle for transfers.
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
answered May 18 at 15:50
Ben VoigtBen Voigt
4,25521723
4,25521723
add a comment |
add a comment |
"Gifts" as a payment method is typically used in case of dubious transactions. Either the seller tries to avoid paying duties and taxes, or they are trying to avoid providing you with something they are obliged to provide (like mandatory warranty), or perhaps they are selling you an item which cannot be sold legally. That is, assuming that they don't plan to simply disappear as soon as they get your money.
A wise piece of advice would be to stay away.
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
add a comment |
"Gifts" as a payment method is typically used in case of dubious transactions. Either the seller tries to avoid paying duties and taxes, or they are trying to avoid providing you with something they are obliged to provide (like mandatory warranty), or perhaps they are selling you an item which cannot be sold legally. That is, assuming that they don't plan to simply disappear as soon as they get your money.
A wise piece of advice would be to stay away.
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
add a comment |
"Gifts" as a payment method is typically used in case of dubious transactions. Either the seller tries to avoid paying duties and taxes, or they are trying to avoid providing you with something they are obliged to provide (like mandatory warranty), or perhaps they are selling you an item which cannot be sold legally. That is, assuming that they don't plan to simply disappear as soon as they get your money.
A wise piece of advice would be to stay away.
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
"Gifts" as a payment method is typically used in case of dubious transactions. Either the seller tries to avoid paying duties and taxes, or they are trying to avoid providing you with something they are obliged to provide (like mandatory warranty), or perhaps they are selling you an item which cannot be sold legally. That is, assuming that they don't plan to simply disappear as soon as they get your money.
A wise piece of advice would be to stay away.
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
edited 2 days ago
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
answered May 20 at 13:22
Dmitry GrigoryevDmitry Grigoryev
990314
990314
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
add a comment |
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
1
1
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
Zelle does not imply a gift. One term used for these services is quasi-cash transaction.
– user71659
May 20 at 22:19
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
@user71659 Technically true, but it may actually be that the OP are thinking they are buying something, when in fact they are making a gift and expect a gift in return. In many cases claiming that the transaction was an actual gift is the main defence the other party will use if you try to sue them. And yet another reason the OP should stay away is because disguising a purchase as a gift is a kind of fraud. AFAIK, Zelle doesn't allow any kind of business transactions for customers with debit cards other than gifts.
– Dmitry Grigoryev
2 days ago
add a comment |
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6
How did you find the seller? The marketplace will often carry its own guarantee of a complete order.
– JoeTaxpayer♦
May 18 at 17:11
1
Have the seller send the item upfront...
– Stian Yttervik
May 18 at 22:00
6
@JoeTaxpayer: In my experience, the marketplaces that provide buyer protection are the same ones that perform payment processing. A payment made via Zelle is certainly outside any marketplace, and there won't be any guarantees for orders placed circumventing the marketplace, even if the seller has a listing in the marketplace and even if that's the method of initial contact.
– Ben Voigt
May 18 at 22:57
2
@StianYttervik Unlikely that any seller would accept that. Transactions aren't symmetric: the seller can develop a reputation for reliability but there's much less scope for a buyer to do that. Sellers have to deal with total strangers, but it's expected that buyers will have to do some research.
– David Richerby
May 19 at 15:11
4
Zelle is not a payment method, it's a money-sending method, good for sending money to your relatives and friends.
– barbecue
May 20 at 20:00