Zelle is an easy way to send and receive money with people and small businesses you know and trust. If you do not know and trust the person, we recommend that you use another form of payment. Do not use Zelle to send money to small businesses or people you do not know and trust. PNC and Zelle do not offer a protection program for any authorized payments made with Zelle. For example, if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected, you will not be reimbursed for the transaction.