Families on a tight budget can qualify for Contributions of $250 to $1,000 per month towards your savings account by switching to the Bill-PayPro™ Household Budgeting Platform.

All You Need To Do Is...

…Start Using the Bill-PayPro™ Household Budgeting Platform today! Give us details about your household budget like, who, when, and how much to pay, and we will streamline your budget into one convenient weekly deposit*. Our banking services will pay your monthly expenses on your behalf. You can trust our bank to handle all your monthly household bills and expenses. (*Deposits are FDIC® Insured – provided by Bluevine® Banking Services)

Boost Your Savings While Paying the Same Bills You Already Pay!

¹Benefits starts off immediately with PāyZero® placing $250/mo. (From LaRiba Outreach, the non-profit organization we are affiliated with) into a savings account you establish at your bank just because you chose Bill-PayPro™ and allowed PāyZero® to cover 100% of your monthly household bills and expenses through our banking services.

After 90 Days, LaRiba Outreach increases their contributions to your savings account by as much as $1,000/mo. (Many can apply and qualify for up to 50% of your monthly budget) Together, our initiative aims to establish a healthy savings nest egg for working Americans and maybe even kickstart your investment journey.

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®, LaRiba Outreach makes contributions to your savings by as much as $1,000/mo. (Many can apply and qualify for up to 50% of your monthly budget).

If You Want to Invest Your Money...

Benefits can be deposited into an investment account with a qualified brokerage within our network (TD Ameritrade®/Charles Schwab® or TradeStation® should you opt for stocks, or Coinbase® or Kraken® for cryptocurrency.)

Artificial Intelligence trading tools are available for your use, as well as trading literacy information.

See Monthly Expense Contribution Chart: The difference can be shown growing at 4%/mo. 

Changing the Way Your Bills Are Paid…

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

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 help you establish Financial Freedom by providing Cash Back to your chosen investment Account.

Charitable contributions to LaRiba Outreach’s Trust Fund 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 LaRiba Outreach to contribute an amount up to 50% of your budget to your savings goals for 3 years.

From our perspective, not everyone will join. However, for those who do, each year you are on our Bill-PayPro™, your personal economy will rise.

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 budget related expenses into one small weekly deposit per week into our bill pay platform. Then we use that money to pay ALL of your household budget related and lifestyle expenses for the month.

Getting Started is Easy!

Simply, 1. Enter your financial information into our calculator.  Our underwriting team will contact you within 24 hrs. with your weekly deposit results. 2. Complete the Bill-PayPro™ Automated Bill Pay System agreement 3. 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 to the LaRiba Outreach contributions list.

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 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 gets you Cash Back contributions from LaRiba Outreach towards your financial future.  This initiative aims to inspire more working Americans to kickstart their investment journey.

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.
      1. b). You also tell us how much you spend on discretionary and miscellaneous items.
    4. Open a checking account at your bank and name it Bill-PayPro™.
    5. 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.

Frequently Asked Questions

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™

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.

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.

Your Cash Back starts off immediately with PāyZero® placing $250/mo. into your account with a qualified brokerage within our network just because you chose Bill-PayPro, and allowed PāyZero® to cover 100% of your monthly household bills and expenses without any compromises.

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 a minimum of an extra $250/month in your pocket.  With the help of LaRiba Outreach, it goes all the way to 50% of your budget.

The PāyZero® Bill Pay/Savings Plan

The Bill Pay/Savings Plan is connected to a Trust Fund set up and funded by LaRiba Outreach® Inc., a private 508(c)(1)(A). The money is used to offset the rising cost of living for w2 employees on automated bill pay who wish to establish a savings even on a tight budget. LaRiba Outreach® Inc. has established a 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, (after 90 days from the first deposit) the Trust Fund will begin contributing to your savings account for saving or brokerage account for trading. As time goes by, LaRiba Outreach will increase their contributions to your savings by as much as $1,000/mo. (Many can apply and qualify for up to 50% of your monthly budget).

There is no fee for our bill pay services, however, the LaRiba Outreach® Inc. 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 the Trust Fund.

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!

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

cropped-Bill-Pay-Final-main-copy.png

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.

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

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.

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 Financial Freedom Network, Consumer advocacy Service, and Credit Agency.  The base of our services is rooted in our Automated Bill Pay platform Bill-PayPro™.

Bill Pay/Cash Back

Your Cash Back starts off immediately with PāyZero® placing $250/mo. – $5,000/mo. into your account with a qualified brokerage within our network just because you chose Bill-PayPro, and allowed PāyZero® to cover 100% of your monthly household bills and expenses without any compromises. ¹This covers the first 90 days of service. From there LaRiba Outreach provides all brokerage account deposit benefits.

²In cases where the consumer utilizes the Decreasing Cost of Living Rider, PāyZero® Inc., will accept funding from LaRiba Outreach, Inc., a non-profit organization that will offset the cost of your monthly household expenses beginning with a 10% per month contribution at the beginning of the 4th month, all the way to 50% per month contribution in years 4 and 5.

If you chose the Decreasing Cost of Living Rider, the LaRiba Outreach disburses cash back that PayZero® deposits into an account you establish at a qualified financial brokerage TD Ameritrade®/Charles Schwab® or TradeStation® should you opt for stocks, or you can go through platforms like Coinbase® or Kraken® for cryptocurrency.

The Credit Agency

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. Credit decisioning and loan term recommendations stem from an artificially generated BPP Score™.

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.

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.

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™.

*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 – 2024. All Rights Reserved.

Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $3,500/mo. and a maximum of $10,000/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.