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    There is a Zelle that allows people to dispute transactions - it's called PayPal. Everyone hates it. For good reason. Commented Jan 16, 2023 at 15:34
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    @user4556274 I personally didn't read it as a dangling "and", I read it as rolling into the next part of the answer, but that could just be me Commented Jan 16, 2023 at 19:15
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    @user253751: I came to the conclusion on studying the matter that the entire product class can't exist due to being a scam magnet. I had said to the banking industry long ago, fix it by producing your own implementation. Unfortunately that didn't work either; so it's really time to fall back to checks. Commented Jan 16, 2023 at 19:28
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    @user4556274 Whoops. Fixed. Commented Jan 16, 2023 at 20:20
  • Zelle is subject to consumer banking laws just like everyone else, and they're subject to the CFPB. They absolutely do have to do the same kinds of fraud protection that everyone else does, including reversing charges. elliott.org/problem-solved/… Commented Jan 17, 2023 at 0:27