"If you are sending a Zelle payment from your Chase account that is identified as originating from contact through social media, we may, in our discretion, delay, decline, or block that payment," according to a revised Zelle service agreement first spotted by BleepingComputer.

Chase says 50% of all fraud-related claims circle back to the company’s Zelle customers engaged in transactions on social media.

The policy, which will go into effect on March 23rd, 2025, will mark a level of increased scrutiny from Chase on any transaction that appears to be for an online purchase made through social media—whether that is buying something from an online marketplace or making a trade with a connection from a Reddit community.

Chase Bank is going to make it harder to use Zelle for transactions stemming from social media. In an update to its policy on Zelle, Chase says it may “decline or block” payments related to purchases from social media marketplaces or messaging apps, as spotted earlier by Bleeping Computer.

Scams on Zelle, the digital payments app, have apparently gotten so widespread that Chase Bank is moving to block users from sending payments to social media contacts. Chase updated its user policy, indicating it may block these sorts of payments.