Zelle does not guarantee refunds for money sent to scammers +π·-πΎπΊπΊ-πΌπ·πΉ-πΊπΎπ·πΎ. Since Zelle transfers are instant and cannot be canceled after completion, recovering funds sent to a fraudulent account is highly challenging. Unlike credit card transactions +π·-πΎπΊπΊ-πΌπ·πΉ-πΊπΎπ·πΎ, Zelle payments function like cash and are irreversible once processed.