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Zelle is basically for paying friends or family. They say it up front on their website. Dig a little and it has no fraud protection, no refunds, no take-backs. Send money via Zelle to someone you don't know and it's pretty much gone forever, cross your fingers you get whatever it is you paid for. There are far better options to buy things from strangers on the internet. Anytime we'd see "Western Union" it'd raise flags, Zelle is no different. The service is fine, using it to pay strangers is not.
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