Do You Want to Save an Incredible Amount of Money While Paying the Same Monthly Household Expenses You Already Pay?

All You Need To Do Is...

– Collaborate with PāyZero®, leveraging Artificial Intelligence to consolidate your monthly household expenses into a manageable weekly payment. Then, our partner banks begin paying all of your monthly household bills and expenses on your behalf seamlessly.

Why Is It Smart to Use Our Services?

The Insane Savings! While paying your monthly household bills and expenses on your behalf, PāyZero® has secured funding from charitable foundations that contribute toward your monthly expenses. When those contributions start, we can then reduce the amount we ask you to contribute towards your own monthly expenses with each passing month. As your contributions towards your monthly expenses shrink, the charitable donations allow us to make sure 100% of your monthly expenses are always paid without compromise.

Charitable Contributions...

– LaRiba is a private outreach 508(c)(1)(A) that raises money to offset the rising cost of living for working class individuals utilizing automated bill pay. As you make your contributions towards your monthly household expenses through PāyZero®, the LaRiba Outreach also makes contributions on your behalf starting at 10% all the way to 50% of your monthly expenses.

After 90 Days...

– After your first 90-Days, PāyZero® then collects 90% of your monthly household expenses from you and 10% from Non-profit contributions to cover your bills, However, by the end of the 1st-Yr, PāyZero® collects 80% from you. By the end of your 2nd-Yr. with us, we only collect 64% from you, and 50% by the end of your 3rd-Yr. and beyond. See Monthly Expense Contribution Chart:

Changing the Way Your Bills Are Paid…

We are all about you keeping more and more of your paycheck!

See Your Numbers

We Know…

Paying your own bills is easy, like riding a bike… and you don’t need any help.

We are not here to help you pay bills.   We are here to cut your cash outlay towards your monthly bills and expenses in Half.

Charitable contributions from LaRiba Outreach provides PāyZero® with grant money into the Bill Pay Trust Fund that must be paid out to people paying their bills with Bill-PayPro™.

So, we are not here to just “help” you pay bills you are already paying.

We are here to increase your net worth by using our Trust Fund to gradually lower the amount you pay towards your monthly household expenses by 50% within 3 years.

From our perspective, not everyone will join. However, for those who do, each year you are on our Bill-PayPro™, your cost of living will decrease all the way to 50%.

Our Ideal Client

A Minimum of $3,500/mo. in total household expenses is required.

Busy People:

  • Doctors
  • Attorneys
  • Corporate Managers
  • Entertainers
  • Nurses
  • Athletes

Any W2 Employee

 Quality of life Improvement:

  • People who want to live worry-free.
  • The Elderly
  • Caregivers of the Elderly
  • Retirees

Anyone

The Financially Concerned:

  • Newlyweds with new babies
  • People who want to pay off debt.
  • Investors
  • People who want financial freedom

Anyone

The Different Categories of Expenses We Pay

You have more expenses than you think you do..

Debt:

  • Mortgage/Rent
  • 2nd Mortgage
  • Vehicle Loans
  • Credit Cards
  • Student Loans
  • Furniture Loans
  • Personal Loans
  • Lines of Credit
  • Investments
  • IRS Bills
  • Child Support
  • Any Debt

Utilities:

  • Electricity Bills
  • Natural Gas Bills
  • Cell Phone Bills
  • Legal Bills
  • Vehicle Insurance
  • Life Insurance
  • Health Insurance
  • Water Bills
  • Sewer Bills
  • Property Taxes
  • Homeowners Insurance
  • Streaming Bills
  • Cable Bills
  • Internet Services
  • Gym Bills
  • Any Utility Bill

Discretionary:

  • Vehicle Gasoline
  • Groceries
  • Religious
  • Trips/Vacations
  • Cosmetic/Barber/Salon
  • Dry Cleaners
  • Entertainment
  • Shopping
  • Other Miscellaneous Items

How to Use Bill-PayPro™ Effectively

You have more expenses than you think you do..

Bill-PayPro™ is a Bill Pay Service running on Artificial Intelligence:

PāyZero® provides Bill-PayPro™ automated bill pay services as a simple concierge for those who don’t want to spend their time worrying if bills are paid or not.

  • We are able to pay your bills is similar to the way Consumer Credit Counseling (CCC) has their members consolidate their debt into one monthly payment.

While we are not the CCC, we do consolidate your total month of lifestyle and household expenses allowing you to make one small weekly deposit per week into your bill pay account, and draft that set amount from your bank account. The we use that money to pay ALL of your household expenses for the month.

Getting Started is Easy!

Simply, 1. Complete the Bill-PayPro™ Automated Bill Pay System agreement 2. Allow PāyZero® to Consolidate all of your monthly household expenses into one low weekly deposit.  3. Add the Decreasing Cost of Living Rider form we you can be added as a beneficiary to the Bill Pay Trust Fund.

Why would you sign up for Bill-PayPro™?

    1. Immediate Savings: Each week you deposit a preset weekly amount that covers your monthly expenses, but at a 10% discount. PāyZero® will use your deposits to pay all of your monthly household bills and expenses in full, and on time just like normal.
    2. Financial Freedom Countdown – The Decreasing Cost of Living Rider lets PāyZero® get money from Bill Pay Trust Fund on your  behalf  that is contributed to the costs related to your monthly household expenses.

*If you chose the Decreasing Cost of Living Rider, the  Bill Pay Trust Fund disburses funds to PāyZero® Incfor the purpose of splitting the cost of your monthly household expenses with you.  Each month, the Trust Fund allocates a larger and larger amount of money to PāyZero® Inc., and PāyZero® splits your household expenses until the fund is contributing 50% by at the end of year 3.  At that point, PāyZero® Inc., will keep you listed as beneficiary, and contribute to your monthly household expenses from your Bill Pay Trust Fund for as long as you continue to use Bill-PayPro™.

Your Part

    1. You accept the Bill Pay Agreement.
    2. You fill out the Decreasing Cost of Living Rider.
    3. We send you a username and password to your Bill-Pay Portal.
        a). You log into your portal, and tell us who to pay, their account number, mailing address, and due date.
      4. b). You also tell us how much you spend on discretionary and miscellaneous items.
    5. Open a checking account at your bank and name it Bill-PayPro™.
    6. Instead of paying your bills and expenses directly, based off your interview, you make a precalculated discounted weekly deposit into your Bill-PayPro™ Account.

Remember: We only manage the money you spend. If you make more than your expenses, we do not ask you to place your extra money, or savings into the Bill-PayPro™ Account.

Our Part

    1. We interview you about your income and expenses and us our AI to determine the amount of your weekly deposits for bill pay.
    2. Each week, we ACH your expense money from the Bill-PayPro™ Account you set up at your bank. Our AI will begin paying all of your household bills and expenses in full, and on time just like normal.
        a). if included, we can also deposit money for discretionary spending (based on the amounts you told us you spend) to the debit card(s) of your choice with amounts covering all discretionary and miscellaneous spending for your household.
Lower My Bills

Frequently Asked Questions

What is Bill-PayPro?

Bill-PayPro™ is an Artificial Banking and Bill Pay Technology Tool used to manage the money a household spends each month.  Bill-PayPro™ is also a CBDC (Central Bank Digital Currency) ready online “Payments as a Service” (PaaS) portal where you enter your total household expenses, account numbers, addresses, and due dates so we can begin paying your expenses in full and on time.

The data from the Bill-PayPro™ Automated Bill Pay Platform is used to generate a consumer performance score based on net income, cost of household expenses, the number of expenses paid by automated bill pay, and other factors used to compile a BPP Score™

How Did Bill-Pay Pro come about?

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So Bill-PayPro™ was born.

What is the benefit of you managing my money?

Convenience! | Stress Relief! | Peace of Mind! | You Get A Check 

While you do a great job paying your bills, having a Bill-PayPro™ Account has its privileges. When you begin depositing money into your Bill-PayPro™ Account to cover your monthly expenses, not only are we paying your bills based on your budget, but our business model affords our company a subsidy that we can share with you in interest for you giving us the opportunity to pay your household bills and expenses. That means we can provide you a discount of 10% of the amount of your monthly living expenses. For the beta test, that works out to between $350 – $2,000 on top of what you are already saving. No matter how much you try to lower shrink, or adjust your budget, our system is still going to pay 100% of the expenses you ask us to pay at a 10% discount each month you use our services. So actually, the higher your budget, the bigger your discount.

No matter the amount of money you spend each month on your household bills, expenses, and lifestyle, when your monthly household bills and lifestyle expenses are being paid using the Bill-PayPro™ automated bill pay platform, we will ensure all of your household bills and expenses are paid in full, and on time just like normal in preparation for generating your highest BPP Score possible.

So, the answer is simple.  No matter how you are at budgeting, good or bad, using Bill-PayPro™ will place an extra $350 – $2,000/month in your pocket.

What is the Bill Pay Trust Fund?

The PāyZero® Bill Pay Trust Fund

The Bill Pay Trust Fund is a multi-million-dollar fund operated by PāyZero® Inc., that receives funding from a private 508(c)(1)(A). The money is used to offset the rising cost of living for w2 employees on automated bill pay. The Bill Pay Trust Fund is a real corporate Trust Fund with Trustees and Attorneys controlled independently of  PāyZero® Inc.  However, by grants, access to the Trust Fund is made available to households that have agreed to allow PāyZero® consolidate their monthly household expenses into one weekly deposit by checking account and have completed the Decreasing Cost of Living Rider.  Completing the rider form will include you as a beneficiary of Bill Pay Trust Fund.

PāyZero® collects the deposits and begins making your payments to your household expenses. (see list of bills above).  As soon as you are added as a beneficiary, the Trust Fund will begin contributing to your monthly expenses. As time goes by, PāyZero® will collect less, and less money from you each week, and the Bill Pay Trust Fund will contribute the balance.

  • In your 1st-Yr. with us, the Trust Fund contributes 10% of your monthly expenses, and you pay the other 90%.
  • In your 2nd-Yr. with us, the Trust Fund Contributes 36%
  • 50% at the end of your 3rd-Yr.

There is no fee for our bill pay services, however, the Bill Pay Trust Fund does accept donations.  All you have to do is Make the Switch to PāyZero® and our Bill-Pay Pro™ budgeting and bill pay platform for your household expenses, and we’ll include you as a beneficiary in our Bill Pay Trust Fund.

What is the Financial Freedom Opportunity?

The PāyZero® Affiliate Program gives you the opportunity for True Financial Freedom.

We have the perfect system in place that will allow you to cover 100% of your household expenses by referring people to the Bill-PayPro™ Automated Bill Pay Platform Long-Term Study. PāyZero® will pay you $100/mo. for each household you refer to Bill-Pay Pro™ Long Term Study. (up to $20,000 per month).

For instance:  If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 55 referrals to cover the cost of your monthly expenses. At that point, your check would be enough to pay 100% of your total monthly expenses for as long as your referrals remained enrolled in our program.

All you have to do is Pay Your Bills using Bill-PayPro™, refer enough households, and You Will Be Financially Free!

What are the requirements? Where do I start?

Our requirements are simple:

  • Monthly Bills Minimum – Minimum Net Household Expenses: $2,500/mo.
  • Financial Stability – Must be able to afford weekly deductions for bill pay (Example $5,100/4)
  • Age – Minimum age is 25, Maximum age is 80 years.

 

Getting started is as easy as applying for the Bill-Pay Subsidy

Testimonials

Features

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Automated Bill Pay System

You allow all of your monthly household and lifestyle expenses to be paid on time and in full using the Bill-PayPro™ automated bill pay system.

Lower My Bills

Affordable weekly Expense Payments

Each week, we Draft a discounted amount of expense money from your bank and use it to pay all of your monthly household bills and expenses in full, and on time just like normal.

Decreasing Cost of Living Rider

The Decreasing Cost of Living Rider lets PāyZero® name you as a beneficiary and split the costs of your monthly household expenses with you until the Bill Pay Trust fund is contributing 50% of your monthly household expenses.

Can Start at Your Bank

A Bill-PayPro™ Account can be established your current bank so you do not have to change banks to participate in Bill-PayPro™.

About Us

About Us

Not Financial Advice... Financial Freedom.

It’s been our experience that people don’t listen to financial advice because they believe they are not in a financial position to follow the given instructions.  So we don’t offer Financial Advice. Instead, we provide real-life Financial Freedom.

It All Starts with Managing the Money You Spend!

At PayZero®, we want to give working families spending under $20,000/month in household expenses…

A Financial Leg Up!

Using our signature software, Bill-PayPro™, combined with our Decreasing Cost of Living Rider, we are able to Split the cost of monthly household expenses for just about any working household in the United States.

Lower My Bills
All of your bills in one place: Bill-PayPro™ manages your money so you don't have to. It is an FDIC® Insured automated Concierge
Maximum flexability: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.
Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.
Safe and Secure: All information sent to and from the Bill-PayPro™ is encrypted and sent through a secure Internet connection.

Legal Disclosure

Disclosure: PāyZero® Inc., is a Credit Agency, Financial Freedom Network, and Consumer advocacy Services.  The base of our services is rooted in our Automated Bill Pay platform Bill-PayPro™.   Credit decisioning and loan term recommendations stemming from an artificially generated BPP Score™.

The Bill-PayPro™ (the BPP Score™) as a credit approval and decisioning system based on your net household income, budget, and online bill pay usage to determine your “new credit affordability” will revolutionize your opportunity to establish credit that does not place you in financial hardship.

The BPP Score™ will be especially helpful for those with a low credit score with the major bureaus.  The BPP Score™ is generated after a consumer has successfully paid household expenses through the Bill-PayPro™ Automated Bill Pay System for 90 consecutive days.  The strategy behind the Bill-PayPro™ translates into a doable financial plan for your household. Paying your household living expenses through Bill-PayPro™ makes you eligible to include you as a beneficiary in the Bill Pay Trust Fund.

Bill-PayPro™ can deliver a Monthly Dividend in an amount equal to 10% or more of your total household living expenses amount. (between $250 – $2,000/mo.).

In cases where the consumer utilizes Bad Credit Forgiveness, the dividend pool represents the funds used to ensure participants never have to make out-of-pocket payments towards their PāyZero® Visa®/Mastercard® Credit Card as long as they continue to pay their household living expenses through Bill-PayPro™. Upon card usage, dividend proceeds can be disbursed to cover the balance of the PāyZero® Visa®/Mastercard® Credit Card evenly over a 12-month period. Participants can choose to use your own resources if you need accelerate lowering your card balance in order to increase your FICO® score with the other major credit agencies.

In cases where the consumer utilizes the Decreasing Cost of Living Rider, PāyZero® Inc., will make an individual client the beneficiary of a Bill Pay Trust Fund in connection with financial brokerage and establish an account that will grow and offset the cost of your monthly household expenses by 50% in year 3 and beyond.  The decrease starts in your 3rd month of using Bill-PayPro™ and increases to 50% over 36 months.  At that point, PāyZero® Inc., pay your monthly household expenses using the proceeds in your Bill Pay Trust Fund in full, and on time for as long as you continue to use Bill-PayPro™.

*We are currently running a Long-Term Study on consumer net income v/s expenses, and their usage of online bill pay to determine their affordability of “new credit payments”.  As a Long-Term Study participant, until your card is issued, PāyZero® will pay you your non-taxable 10% Dividend by monthly check.

PāyZero® Visa®/Mastercard® Credit Cards with “Zero Payments” are reserved for households participating in the Long-Term Study of the Bill-PayPro™ Automated Bill Pay Platform. Standard credit card FICO® score qualifications, due dates and payment rules apply for households choosing not to participate in the beta test of the Bill-PayPro™ automated bill pay platform.

All management questions and adjustments are handled via Zoom® Meetings.  *PāyZero® has Zero access to your bank account(s).  The PāyZero® Credit Agency is a FinTech (Financial Technology) company, and not a bank.  In 2024, PāyZero® will provide Credit Advocacy services, credit decisioning, loan term recommendations based on consumer affordability, a Visa/MasterCard credit card, BaaS (Banking as a Service) all stemming from the results of consumers having their monthly household expensed paid through the Bill-PayPro™ Automated Bill Pay Platform, and the accompanied BPP Score™.

As of now, Bill Pay Services are provided through our corporate accounts at BlueVine® online and Coastal Community Bank, Member FDIC®. Bluevine accounts are FDIC® insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC®.  See the Coastal Community Bank Privacy Policy.  Bill-PayPro™ is a SaaS underwritten by PāyZero® Incorporated © 1994 – 2023. All Rights Reserved.

Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $2,500/mo. and a maximum of $20,000/mo. in household and lifestyle expenses. For the best results, you need to add as many bills and expenses as possible to our user interface platform.