Apple/Google/Samsung Pay are primarily used to link to credit cards, and the transaction still run through the card. Zelle is owned by a group of banks. PayPa

Apple/Google/Samsung Pay are primarily used to link to credit cards, and the transaction still run through the card. Zelle is owned by a group of banks. PayPal and Venmo are the same company and in some areas, like Australia, they directly handle in-person payments, but in the US those payments are run through a debit card network, for regulatory reasons.