Do you spend at least $3,500/mo. on Household & Lifestyle Expenses?

PāyZero® Financial needs to reach a beta test goal of 10,000 users of a new automated bill pay platform we named Bill-PayPro™ so we can begin issuing a high credit limit, zero payments, 0% Interest PāyZero® Visa®/Mastercard® Credit Card based on your budget, and not your credit score in 2024.

We have a favor to ask of you…

Will you help us with our beta test by allowing PāyZero® to use Bill-PayPro™ to make sure all of your household monthly expenses are paid in-full and on-time using less money than you are currently spending.

Participants in the Bill-PayPro™ Beta Test Will Be Paid Up to $2,000/month!

There is no fee for participating in the Bill-PayPro™ beta test. Participants will be added to the waiting list for a PāyZero® Financial Visa®/Mastercard® Credit Card with a minimum credit limit of $3,500 with 0% interest and No Payments.

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How Does the Bill-PayPro™ Beta Test Work?

With your help, the Bill-PayPro™ automated bill pay system is revolutionizing the paying of household bills and expenses by using proprietary software and personal support. Instead of being inundated by bills, having to remember deadlines and write checks, our clients are enjoying life without these stressors. This includes an increased savings, a Monthly Dividend Check equaling 10% of the total sum of your monthly bills and expenses, and a bonified Financial Freedom Opportunity.

As a bill pay service: We are able to pay your bills is similar to the way Consumer Credit Counseling has their members place a specific amount of money into an account that covers their debt, then they withdraw the money and pay the debt off. While we are not the CCC, we do ask you to place a specific amount of money per week into your Bill-PayPro™ Account so PāyZero® can securely access and pay ALL of your household expenses for the month.

How we are able to pay you during your Beta Test: The money we ACH from your account is pooled with the deposits for our entire bill pay client base, and a substantial amount of interest is paid to us. Alone, the interest your bank pays you on your deposits are rather low. But when all deposits are pooled together, we make a considerably higher amount of interest than you can on your money. You allow all of your monthly household and lifestyle expenses to be paid on time and in full using Bill-PayPro™. In Return for you participating in the Bill-Pay Pro™ Beta Test and “allowing” PāyZero® to pay your household expenses, once per month We Will Pay You 10% of the total amount you deposit for bill pay. (That’s between $350 – $2,000/month based on your total monthly expenses.)

Your Part

    1. You accept the Bill Pay Agreement.
    2. 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.
    3. Open a checking account at your bank and name it Bill-PayPro™.
    4. Instead of paying your bills and expenses directly, based off your interview, you make a precalculated 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 to determine the amount of your monthly participation check.
  2. Each week, we ACH your expense money from your Bill-PayPro™ Account and pay all of your household bills and expenses in full, and on time just like normal.
      a). Each week we also deposit your discretionary spending allowance (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.
  3. We send you a Monthly Participation Check for 10% of the sum of your deposits into your Bill-PayPro™ Account.

Not Financial Advice... Financial Assistance.

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 Assistance.

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™, we are able to do this in the form of a Monthly Dividend Check sufficient enough to Offset the Rising Cost of Living for just about any working household in the United States.

See Your Subsidy Amount

You enter your total expenses for the month into our Bill-PayPro™ Calculator.

Live Messaging

Live notifications of what bills are coming due, and when they are paid.

Email Notifications

Emails each week letting you know how much money is due this week for next weeks bills.

Financial Freedom Opportunity

Affiliate Plan gives you the opportunity to lower your cost of living with referrals.

Good News: In 2024, PāyZero® will introduce a Banking App that will feature Bill-PayPro™

And We Need Your Help!

We need to surpass 10,000 enrolled Bill-PayPro™ clients so Bill-PayPro™ can be featured on the PāyZero® digital Banking App when it launches in 2024.  PāyZero® will be issuing a high credit limit, zero payments Visa®/Mastercard® based on your budget, and not your credit score.

Benefits of Using Bill-PayPro™

Your Finances Organized

⇒ You set up a Bill-PayPro™ Account and deposit enough money to cover all of your monthly household and lifestyle expenses and allow them to be paid on time and in full by PāyZero®

10% Monthly Dividend Payments

⇒ In Return each month PāyZero® pays you non-taxable 10% dividend on the total amount of money you deposit into your Bill-PayPro™ Account to cover your monthly household and lifestyle 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™.

Cost You Nothing

⇒ There is no Fee for starting Bill-PayPro™.

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.

Our Ideal Client

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

Busy People:

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

 Quality of life Improvement:

  • People who want to live worry-free
  • The Elderly
  • Caregivers of the Elderly
  • Newlyweds with new babies
  • Anyone

The Financially Concerned:

  • Retirees
  • People who want to pay off debt
  • Investors
  • People who want financial freedom
  • Anyone


A few of the monthly bills and expenses our system pays.

You have more expenses than you think you do....


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


  • 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


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

Increase Your Monthly Dividend!

Your monthly dividend can be increased over time to cover 100% of your household expenses. PāyZero® will add $100/mo. to your dividend for each household you refer to Bill-Pay Pro®. (up to $10,000 per month)

For instance: If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 55 referrals to raise your dividend check beyond the cost of your monthly expenses. At that point, your dividend check would be enough to pay 100% of your total monthly expenses for as long as your referrals remained enrolled in our program.  You need a minimum of 2 referrals to see benefits.

Frequently Asked Questions

Below are some relatable questions you may find helpful in your journey to get started with us.

Bill-PayPro™ is a financial technology tool used to manage the money a household spends each month.  Bill-PayPro™ is 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.

Financial Freedom Opportunity

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

Your monthly dividend can be increased over time to cover 100% of your household expenses. PāyZero® will add $100/mo. to your dividend for each household you refer to Bill-Pay Pro®. (up to $10,000 per month)

For instance:  If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 55 referrals to raise your dividend check beyond the cost of your monthly expenses. At that point, your dividend 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!

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. That means you will get a check every month for 10% of the amount deposited into your Bill-PayPro™ Account to cover your monthly expenses (between $350 – $1,000) 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 and pay you between $350 – $1,000 each month you use our services. So actually, the higher your budget, the bigger your interest check.

So the answer is simple.  No matter how you are at budgeting, good or bad, using Bill-PayPro™ will place an extra $350 – $1,000/month in your pocket.

Our requirements are simple:

  • Monthly Bills Minimum – Minimum Net Household Expenses: $3,500/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

Disclosure: PāyZero® Inc. DBA PāyZero® Financial Assistance provides their advisory on setting up the Bill-PayPro™ Spending Management System. The strategy behind the Bill-PayPro translates into a doable financial plan for your household. Using Bill-PayPro™ makes you eligible for the Bill-PayPro™ Monthly Dividend Program.  Bill-PayPro™ delivers a Monthly Dividend Check in an amount between $350 – $2,000/mo. (each month PāyZero® pays you non-taxable 10% Dividend on the money you deposited into your Bill-PayPro™ Account to cover your monthly household and lifestyle expenses) When the bills are paid, because of the efficiency of the Bill-PayPro™ algorithm, returning a portion of client deposits is similar to how insurance companies establish a non-taxable dividend as a return of an overcharge. Upon approval, dividend proceeds are disbursed evenly over a 12-month period.  All management questions and adjustments are handled via Zoom® Meetings.  *PayZero™ Financial Assistance has Zero access to your bank account(s).  PāyZero® Inc. is a FinTech (Financial Technology) company, while PāyZero® is not a bank.  In 2024, PāyZero® will provide BaaS (Banking as a Service) such as digital bill-pay and Spending Management Services.

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 $3,500/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.