This depends on whether the retailer or merchant can accept Zelle payments. When using Zelle, at least one side of the transaction (sender or receiver) must have access to Zelle through their bank or credit union. Some banks may allow businesses to set up a Zelle business account, which can be used for merchant transactions. However, the bank may charge a small fee for businesses using Zelle, and consumers must be enrolled in the service to make payments.