imo Zelle has a horrible user experience. I tried paying my rent with Zelle at one place and it showed up as "pending" for 6 days. On the 7th, the payment faile

imo Zelle has a horrible user experience. I tried paying my rent with Zelle at one place and it showed up as "pending" for 6 days. On the 7th, the payment failed and I had to call a phone number to find out why: The recipient was not signed up for Zelle. Or more likely he had signed up, but became unenrolled somehow. ... Really? You couldn't figure that out any sooner? ACH or a paper check would have been faster. Maybe they've ironed out the kinks these days, but I'm sure Zelle would have been bigger news if it worked well from the start.