Zelle is a method of paying in the US that is electronic and fee-free. I used it for the first time today as an alternative to PayPal. I spent $193 with a US dealer and PayPal fee would have been about $7. But with Zelle it cost me $193 and he got $193! About a month ago my on-line banking site had a new link to pay with Zelle. I didn't know what it was and looked into it a bit. (You can find it on wikipedia or their own site: https://www.zellepay.com/ ) It turns out banks created it to allow free bank-to-bank payments with identification based on e-mail addresses or mobile numbers linked to accounts. I asked the dealer for permission to use it and he had not heard of it, but agreed to give it a try based on the Zelle link. I used it this afternoon and he got money into his bank account immediately after he followed the instructions from Zelle linking his e-mail (I used his e-mail address) to his account. He wrote me that it was confusing at first but now that it has been done he expects the next time will be easy. If a dealer charges me $193 I would like him to get $193. With PayPal they don't. With Zelle they do.