Although users often are sending each other $5 or $10 for pizza or beer, those transactions add up. Zelle processed $32 billion in payments between July and September, up 67 percent from the same period last year, according to Early Warning, which is based in Arizona but has an office with about 40 employees in Chicago. More than 75 million email address and phone numbers are enrolled in Zelle, which has its own app and can be offered through banks’ apps or systems. Zelle also processes corporate disbursements, such as insurance payouts, which are included in its numbers.