Post #2462788

2026-05-06 16:33 UTC

> Detest things like zelle which just feels like a scam to me. I absolutely wish the bank bill pay system was more advanced. Like I could have a qr code and say bill me here and they could have one to say set us up as a place to pay for with this qr code. Does your current bank not do this with Zelle QR codes? At least in my bank's mobile app, it'll happily generate a QR code for my account as a Zelle destination, which other people can scan and then pay me. Or they can scan and send me a request, which I can then accept and pay them. I use Zelle precisely when everyone else would use Venmo, because I don't want yet-another institution to have my bank details, and since Zelle is integrated with my bank, I already have to trust them anyway. It's not a bill.com-esque invoicing system, but maybe somebody will build atop Zelle to do exactly that. I will say that tying Zelle to a phone number or email is a bit limiting, though, and maybe one day there will be "usernames" for Zelle, encoded purely in QR codes.

Replies (1)

@HubertManne@piefed.social 2026-05-06 16:57

yeah I don't want the QR to actually pay but more like just a billing destination or payment destination. The way I look at it is they scan it and then it will give my name and address (something they would need to send an invoice so the information is not exactly confidential for a purchase) which they could ask for my id to verify im not like trying to use someone elses. Basically I want a system much closer to the old fashion send you a bill in the mail and you then pay it but with my banks bill pay as the central portal. Many places now don't want to send phsical statements in the mail but also don't want to send pdfs of statements by email so being able to get all your bills pdf in one place would at least be not so bad. The idea of logging in every month to every vendors portal is just annoying. I always compare it to companies back in the day rather than sending the statemnent each month would send postcard saying. hey come to the office and pick up a statement.

Open ##2462789