Scammers try to pose as people or businesses you know and may even appear to be your bank, a utility, a phone provider, or family and friends. Stay vigilant with these tips for playing it safe with Zelle®.

Only send money to those you trust: Use Zelle® only with friends, family and others you trust. Why? Because you can’t cancel a payment after sending if the recipient is enrolled with Zelle®. And if you send money to someone you don’t know or do not get what you expected, you may not get your money back.

Treat Zelle® like cash: While Zelle® and cash are different, both provide fast access to the money you send. Zelle® directly sends money into the enrolled recipient’s bank account within minutes. And again, once you authorize a payment, you can’t cancel it if the recipient is enrolled with Zelle®.

Beware of payment scams: If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Neither Peoples Bank nor Zelle® offers a protection program for authorized payments, so play it safe. Only send money to people you personally know and trust.

Confirm your recipient’s contact information: Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double-check. If you authorize a payment to the wrong person, you may not get your money back.