Zelle is not reversible, so seems to be often used for scams. But if you meet in person and get the goods, it should be fine. It’s a collaboration by the banks.
"Zelle® is a fast, safe and easy way to send money to friends and family. It’s similar to cash. So you want to make sure you use it to pay only people you know and trust, like your roommate, your dad or your babysitter. Not people you don't know, like that stranger on the internet selling suspiciously inexpensive puppies from a place you've never heard of. Look for Zelle® in your banking app, and pay it safe out there."
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