# Zelle payments take 3-4 business (not calendar) days to process...therefore

**URL:** <https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391>\
**Category:** Trading\
**Created:** [May 4, 2018, 8:54pm UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391 "2018-05-04T20:54:32Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![Noah](https://bisq.community/letter_avatar/noah/32/6_22734026db12803ebb3e059622ac3534.png) [@Noah](https://bisq.community/u/Noah)\
**Post date:** [May 4, 2018, 8:54pm UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391/1 "2018-05-04T20:54:32Z")

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Not a complaint, just an observation I think both buyer and seller need to be aware of before initiating dispute.

I made BtC purchase using Zelle, within 30 minutes after confirming trade and making BtC deposit.  
Then I noticed that Bisq deadline for trade is 4 days (calendar days). However, Zelle takes 3-4 business days to process. Since I made purchase on Friday, funds will be available to seller on the following week on Wednesday; however deadline for Bisq will expire on Tuesday (one day before the seller receives money via Zelle).

I am hopeful that the seller will realize this and not initiate dispute unnecessarily.  
🙂

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**Author:** ![alexej996](https://bisq.community/user_avatar/bisq.community/alexej996/32/491_2.png) [@alexej996](https://bisq.community/u/alexej996)\
**Post date:** [May 4, 2018, 9:40pm UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391/2 "2018-05-04T21:40:48Z")

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I am not that familiar with payment methods in general.

Maybe @Alfsbs can look into this to see if we need to extend the max trade period.

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**Author:** ![Alfsbs](https://bisq.community/letter_avatar/alfsbs/32/6_22734026db12803ebb3e059622ac3534.png) [@Alfsbs](https://bisq.community/u/Alfsbs)\
**Post date:** [May 9, 2018, 10:58am UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391/3 "2018-05-09T10:58:22Z")

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> [@alexej996](#):
>
> see if we need to extend the max trade period.

Hello, Noah, did you finally have any problem with the order?

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**Author:** ![Noah](https://bisq.community/letter_avatar/noah/32/6_22734026db12803ebb3e059622ac3534.png) [@Noah](https://bisq.community/u/Noah)\
**Post date:** [May 9, 2018, 6:24pm UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391/4 "2018-05-09T18:24:30Z")

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The issues are US banks, not the app, so I retract previous suggestion. When I chose one US bank to pay with Zelle, the transaction cleared after 5 calendar days and only after the seller called his bank to “pull” the transaction.

After I switched to another bank, next time I used Zelle, the transaction cleared in about 20 minutes.

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**Author:** ![Good2go](https://bisq.community/letter_avatar/good2go/32/6_22734026db12803ebb3e059622ac3534.png) [@Good2go](https://bisq.community/u/Good2go)\
**Post date:** [May 10, 2018, 1:48am UTC](https://bisq.community/t/zelle-payments-take-3-4-business-not-calendar-days-to-process-therefore/5391/5 "2018-05-10T01:48:34Z")

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This recently happened to me. The time seems to vary based on bank and trading partner. I think there are several variables so it depends on the buyer’s account, their zelle set up (app/native, etc) and if the bank is a zelle member bank or just participating in the program. I inquired with the buyer and they got the expected timing from their bank and passed it on to me so I knew that it would take longer.