Welcome to
Checking and Bill payments built for the working class
- Open a CrowdPay™ account in a few minutes
- Earn billpay discounts based on your deposits1
- Protect your funds with up to $3 million in FDIC insurance
Please click the continue button to get started. Please fill in the next few sections of the setup wizard. This will determing the amount per week you will be placing into your CrowdPay™ Account At PayZero. 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)
Your calculation of discounts are detailed on the BillPay
Agreement. 1. Binding terms governing interest, including eligibility
requirements and information about the calculation of interest, are detailed on
the Terms
of Interest Accrual which is incorporated as a part of the Bluevine
Business Checking Account Agreement.
PayZero Inc. is a financial technology company, not a bank.
Bill Pay Services provided by Bluevine Fintech, thru Coastal Community Bank,
Member FDIC. Bluevine accounts are FDIC insured up to $3,000,000 per depositor
through Coastal Community Bank, Member FDIC and our program banks.
To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires that PayZero, through Bluevine, on behalf of Coastal Community Bank, Member FDIC, to obtain, verify, and record information that identifies each individual or institution that opens an account or establishes a customer relationship. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Disclosure: PāyZero® Inc., is a Financial Technology company. The base of our services is rooted in the data compiled by our Automated Bill Pay platform CrowdPay™.
Automated Bill Pay
We start with PāyZero® paying you $250/mo. just because you chose CrowdPay™ and allowed PāyZero® to cover 100% of your monthly household bills and expenses without any compromises. ¹This covers the first 90 days of service.
LaRiba Outreach Contributions
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 $1,000 per month contribution in years 4 and 5.
Affiliate Plan
If you chose the "Tell A Friend" Affiliate Plan, PayZero® disburses an additional $250/mo. for each person you refer that enrolls into the CrowdPay™ Automated Bill-Pay Plan. For example, if your total household expenses are $3,500 per month, referring 14 people will enable PayZero® to cover 100% of your monthly expenses.
The Credit Reporting Agency
Data collected is used to establish The CrowdPay™ (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 theCrowdPay™ Automated Bill-Pay Platform for 90 consecutive days. The strategy behind CrowdPay™ translates into a doable financial plan for your household. Paying your household living expenses through CrowdPay™ 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 CrowdPay™. 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, but operates as a Neobank providing bill pay services as a software. 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 CrowdPay™ 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. CrowdPay™/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.