Why are Zelle payments automatically classified as Transfers when they are payments?

I’m running into an ongoing issue with Zelle transactions in Quicken Simplifi. When Zelle payments come in or go out, Simplifi automatically classifies them as Transfers. The problem is that Zelle payments are never internal transfers between my own accounts. They are always payments to or from external parties, whether it’s reimbursing a friend, paying the handyman, contributing to a group expense, or sending money to a charity. Because Simplifi treats these transactions as Transfers, they are excluded from rule-based automation.

This forces users to manually convert every Zelle transaction from Transfer to a category before any rules apply. That makes using Quicken Simplifi far less simple and undermines the automation that Simplifi is supposed to provide. It also creates the illusion that these payments are “off-book,” which has a very real impact when reviewing spending, analyzing habits, or planning monthly budgets.

I contacted Simplifi support and was told:

• This is a known limitation
• There is no global setting to disable automatic transfer detection
• There is no method to force Zelle transactions to be treated as expenses by default
• The only current options are manual edits or payee rules, but those rules only work if the transaction has already been manually reclassified

In other words, the system forces a false assumption, then asks the user to fix it one transaction at a time.

This isn’t an edge-case workflow. Zelle is a standard peer-to-peer payment method used for everyday expenses. Categorizing it as a Transfer blocks the most basic financial visibility.

I discovered an older post discussing this exact issue:

https://community.simplifimoney.com/discussion/8655/zelle-payments-should-not-be-automatically-assigned-as-a-transfer

It has been over a year since that thread, and the behavior appears unchanged. Can the product team clarify whether this is being actively addressed, and whether there is an internal roadmap or experimental setting to resolve it? Even classifying Zelle transactions as Uncategorized by default would be a meaningful improvement compared to treating them as Transfers.