I've used Zelle as both a buyer and seller for my last couple of purchases with no issue, except as someone pointed out some banks have daily limits you have to work around. From my understanding, it works essentially the same as a certified check without the waiting hassles. For a seller, I was told by my bank that I am secure once I get the funds (which shows up within seconds on my app) and no worries on waiting for a check to clear or that the check was fake. As a buyer, it's just like a certified check (or wire transfer) in that the risk is on you that the seller is trustworthy since you don't have much recourse beyond police/fraud reports if they rip you off. I prefer it to PayPal since there is no fees to do it, no hold on your money when you get it, and someone can't do a charge back months later on a whim.