About Zelle

Zelle is a payments network and service that allows users to rapidly move money from one US bank account to another.  Zelle is built and operated by Early Warning Services—an organization owned by eight mega-banks in the US who had an interest in creating a solution for individuals to seamlessly move money between different institutions & account holders.

Roughly 1,700 financial institutions in the US are part of the Zelle network, the full list of participating FIs is documented here.

While Zelle can be enabled across a variety of core banking systems, Narmi currently supports only Zelle via JHA PayCenter.

For details and examples of the end-user's Zelle experience on the Narmi platform, visit the Zelle section of this knowledge base.

JHA PayCenter

Jack Henry PayCenter is a payment hub run by Jack Henry that operates as a conduit to Zelle (as well as RTP and, eventually, FedNow).  PayCenter manages most of the user experience and back-office movement of money associated with Zelle for the Financial Institution.  FIs partner with JHA directly for PayCenter and Narmi acts as a third party to support the integration. 

JHA PayCenter works with only the major Jack Henry core banking systems: SilverLake, Symitar Episys, CIF 20/20, or Core Director.  While Narmi may eventually support Zelle for other cores, we do not as of Q4 2022.

Furthermore, while Zelle does have a solution for small business payments, today JHA PayCenter (and therefore, Narmi) only supports Zelle as a consumer-to-consumer solution. 

Below is an overview of JHA PayCenter: