You and your OP both are right. Companies are totally at fault for muddying waters by using the same methods as scammers (or scammers are smart by using surpris

You and your OP both are right. Companies are totally at fault for muddying waters by using the same methods as scammers (or scammers are smart by using surprisingly similar tactics), and Customer too should be aware of situations. Zelle, Western Union, Venmo, PayPal (family) literally gives you warnings, multiple prompts, to say that it is irreversible, pay it only to known people, dont use it for government payments, make sure to check registered name, and stuff. We as customers should know that no utility company, gas, power, internet, government offices, their representatives accept or want payments by Zelle. Zelle is great for person to person, or one time cash-like transactions. If one handover wad of cash to a person claiming a utility representative, one would not expect to get that cash back if he was fraud. Zelle is irreversible by design (unless receiver sends it back). Otherwise what would stop from people using it like credit card chargebacks?. The only time I have heard zelle txn getting reversed is if reciever asks & insists to his bank that this money is not for me, undo this txn. Although there is a variation of fake check scam reverse zelle too. Just liek check, scammers arrange a zelle incoming from victim 1 to victim 2. Then calls victim 2that it was mistake. Please zelle it back to "me". Victim 2 does zelle. Original txn gets recalled because either victim 1 found it or his bank found it. Victim 2 is out of his good money.