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Payment methods

Every way a customer can push money to you.

Rekoup works with push rails, where the customer sends the money. That's why there are no card chargebacks and no processor in the middle. Here's what each rail is good for and where it's limited.

RailStatusConfirmationCostBest for
ZelleAvailableConfirms in secondsFreeRetail orders up to your bank's daily limitSending limits vary by bank, often a few hundred to a few thousand dollars a day; Zelle's terms restrict some business categories, so keep a second rail on
ACH transferAvailableConfirms when it posts, usually same or next business dayFree or under a dollarLarger orders and repeat customersThe customer initiates it from their own bank
WireAvailableConfirms when it posts, same business dayBank fees, typically $15 to $30Wholesale and high-ticket orders
USDCComing soonConfirms in seconds after chain confirmationNetwork fees onlyCustomers who already hold stablecoinsTo your own wallet address; stablecoins only
VenmoComing soonMinutes via notification emailPlatform fees on business profilesMerchants whose customers ask for itGoods-and-services payments can be disputed; personal accounts may not be used for business under Venmo's terms
Cash AppComing soonMinutes via notification emailPlatform fees on business accountsSame as Venmo
RTP and FedNowRoadmapInstant, with a reference that survivesDepends on bank supportRequest for payment; the rail that makes Zelle optional
Interac e-TransferRoadmapMinutesBank feesCanadian merchants

The honest part

Rekoup doesn't change your bank's rules or any rail's terms. Zelle, Venmo, and Cash App each restrict certain business categories and personal-account use, and banks can close accounts for activity they don't like. Rekoup helps you by making it easy to run more than one rail and more than one receiving account, and by confirming payments the same way on all of them. Read your bank's and each rail's terms, keep a second account ready, and don't put all your volume through one handle. We'll say this again in the dashboard.

Zelle for online stores

Free, instant, and the most annoying method on earth to reconcile. Rekoup fixes the second part.

Sending limits are set by the customer's bank and are often between a few hundred and a few thousand dollars a day, which caps ticket size. Use Zelle for what it's good at, retail-sized orders from customers who already have it, and run ACH or wire beside it for larger orders. Rekoup supports multiple receiving accounts so you can rotate if you need to.

  1. Step 1: Connect your bank account (read-only) and add your Zelle handle.

  2. Step 2: Install the WooCommerce plugin or use the hosted checkout link.

  3. Step 3: Customers choose Pay by bank, pick Zelle, and send the exact amount shown.

  4. Step 4: The order confirms itself.

Turn on the rails you have. Add the rest later.

Get startedSee the demo