Originally Posted by Brian mike

Deep research here @PamWinterReturns
All you need is that person's email address or phone number. Zelle will automatically send that person a text or email with a link saying that they have a payment waiting for them. All they need to do is accept. You can also request funds from another person.

After reading this i can confirmed we have Interact e-transfer in Canada working kind of the same way and only available for participant Canadian Bank. Take usually less then 30 minutes can be a little more. The fee are from $0 to $1.00 Exemple: when i pay my rent by e transfer they wave the $1 fee.
If i send an interact etransfer to the babysitter they will charge me $1 fee.

For once We as Canadian are not last this time to implement this features lol