According to the Zelle website " Zelle® does not report transactions made on the Zelle Network® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®." They also state that they do not issue a 1099-K. https://www.zellepay.com/faq/does-zelle-report-how-much-money-i-receive-irs
Since this is just personal money being reimbursed to you there is no need to report this to the IRS.
The law is clear that money received as a gift or reimbursement of a share of a meal should not be reported on a 1099-K. But mistakes may happen.
Next year, if you erroneously receive a 1099-K, you will have to contact the payment app company to request they send a correction to the IRS. This could be time consuming and affect how fast your return will finish being processed.
If you fall into this situation, see the IRS FAQs for how to have it corrected.
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