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Comparisons· 4 min read

PayPal, Cash App, Zelle, Chime: a payout rail primer

A short comparison of the four payout rails we support, including what each is best suited for.

MP
Written by
Maya Patel
Consumer Finance Editor
Reviewed by
Sarah Lin
Head of Operations
Published May 17, 2026Updated May 17, 2026

Picking a payout rail


When selling a gift card, the rail you choose matters as much as the rate. Here's how the four common options compare.


PayPal

  • Where: anywhere PayPal is supported
  • Notes: requires a PayPal email

    • Cash App

  • Where: US-based
  • Notes: requires a $cashtag

    • Zelle

  • Where: US banks
  • Notes: requires an email or phone tied to a participating bank

    • Chime

  • Where: US-based
  • Notes: requires a Chime $ChimeSign or email tied to your Chime account
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