> The initial release of the FedNow Service provides baseline functionality supporting market needs for a range of use cases, including those growing in demand such as account-to-account (A2A) transfers and bill pay.
https://www.frbservices.org/financial-services/fednow/about....
I've never seen Zelle suggested for bill pay. I've tried to use Zelle for account-to-account transfers, but it was obvious this wasn't the intention; I think I had one bank account tied to my email and another to a bank account tried to my phone number so I could send money to myself (the intention seems to be a person only sends/receives from one bank account) and the limits are very, very low. When I was trying this, the cap seemed to be secret and vary institution to institution.
[1] https://www.zellepay.com/faq/there-limit-how-much-money-i-ca...