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Comment by TeMPOraL | Hacker News Reader

How does this work? I thought GV and other VOIP numbers are becoming universally blacklisted by everyone because "sekhurity".

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It’s funny, I ported my number to Google Voice, two years later I got kicked off Zelle because VOIP numbers are banned. So how do I send and receive money? Sign up Zelle with email instead. Yes, a VOIP number is a security threat (never mind Wells Fargo has known everything about me financially since forever), but a random email address is A-OK.

I can get SMS "security" codes from most services to my google voice number, but one of my banks just flat out refuses, and let me tell you it can be a huge pain in the ass if a few circumstances line up so that you cannot receive a "security" clear-text msg on your approved phone.

Sending SMS costs $$$, and the gateways are closely-guarded. There are bad actors hammering on logins to elicit SMS codes, and Zelle is charged for the service according to that volume.

There’s no separate Zelle login, and Wells Fargo proper hasn’t banned my phone number, so this explanation makes no sense whatsoever.

Zelle is a separate company that likely operates its SMS sending system separately from Wells Fargo.

There are a few stupid sites that ban VOIP numbers, but thankfully it's still very rare. The vast majority (like 90-95%) accepts just fine.

Source: GV user since Grand Central days.

I have a ton of accounts. The only ones I know of actively blocking it are Elan Financial(credit card servicer) and maybe Chase. Not sure on Chase, it doesn't block it, just doesn't seem to gets msgs for 2fa.

Everything else (including paypal, fidelity, schwab, sofi, discover, capital one, to name a handful) work fine.

I had a big carrier number that I later transferred to google voice and I've never had any issues with it since.

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