Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the SoFi app or SoFi website using just their email address or U.S. mobile number.
Neither SoFi nor Zelle® offers purchase protection for payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.