Welcome to
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.
Please click the continue button to get started. Make sure when you type in your amounts, add ".00" (for example, if your income is $2800, then please type $2800.00 for each income and expense. Otherwise it will register as $28)
Disclosure: PāyZero® Inc., is a Center for Financial Freedom, Consumer Advocacy, and Credit Reporting Agency. 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 $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.