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I think PayPal will do fine. FedNow requires a frontend for UI and to find contacts. PayPal and Venmo have that and people are used to using them. Instead of AC

• wiml 3y ago
  I thought Zelle was just a friendly frontend to ACH?
  • toomuchtodo 3y ago
    Zelle runs on multiple networks (ACH, RTP, etc). https://www.narmi.com/insights/getting-real-about-real-time-payments https://www.narmi.com/insights/getting-real-about-real-time-... > Zelle is an example of a P2P option, but with one major difference from those outlined below; its transactions can be cleared via The Clearing House’s RTP rail. If both the payee and the recipient use banks that leverage the RTP rail, the transaction will settle instantly. If not, it will typically settle in a matter of minutes. Since users can send money to recipients outside of their bank and the funds settle in real-time (or nearly), it is considered to be an open (rather than closed) loop payment. > Notably, Zelle has seen massive growth since its launch in 2017 and is now available to nearly 80% of the U.S. population, with adoption by over 1,600 financial institutions. Similar to The Clearing House, Early Warning Services (owner of Zelle) is privately held by 7 major banks. https://danakivis.medium.com/the-state-of-faster-payments-in-the-u-s-ddb39158373f https://danakivis.medium.com/the-state-of-faster-payments-in...