I've heard of the various payment apps, but I've never used any of them.
But I, too, was under the impression that once you hit the send button that money was gone unless the recipient sent it back to you.
Come to think of it, though, I MAY have used Zelle once to send someone money. Not 100% sure. A few weeks ago we were registering for our high school class reunion. The organizer was accepting Venmo. I just sent her a check via Navy Federal's bill pay service.