Welcome to pāyZero® Incorporated  |  Home of Bill-Pay Pro™

Bill Pay Services

In America, people spend $5,111/mo. on household expenses.

Here at PāyZero® Inc, we are supported by a household budgeting Subsidy that allows us to pay you 10% interest of the total sum of money you deposit into your Bill-PayPro™ Account for payment of your household bills and expenses. Your same expenses are paid in full and on time each month.

How Much Do You Spend on Monthly Household Expenses?

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.

  1. Make the Switch to Bill-PayPro™
  2. We Manage the Money You Spend; you manage the rest.
  3. You Get a Monthly Interest Check

It’s Simple: PāyZero® Inc. pays all of your household expenses and saves you money. The longer you are with us, the more of your bills we pay.

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way of budgeting and paying bills.  One that when used, would generate instant savings for the household of an additional 10% per month on total out of pocket for everyday household bills and expenses. It was not until 2018 did the technology become available for us to help individual households on a user interface platform. pāyZero® Inc. was formed and Bill-PayPro™ was born.

Now, PayZero Inc. is a FinTech (Financial Technology) company, not a bank providing specific (none checking or savings account) banking services such as digital bill-pay/Spending Management Services. We are able to provide a digital bill pay and money management services that will enable our clients to receive a subsidy in an amount equaling 10% of the total costs of household expenses.

Bill-PayPro™ Money Management Services

Our feature service is Bill-PayPro™ Money Management Services. 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.  www.bill-paypro.com

You can log into Bill-Pay Pro™ and:

  • see what bills have been paid
  • see what is coming next
  • see your balances.
  • see your benefit.

How Does Bill-Pay Pro™ work?

Our Part

  1. We interview you about your income and expenses to determine the amount of your monthly interest subsidy 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.
  3. 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.
  4. We send you a Monthly Dividend Check for 10% of your deposits into your Bill Pay Account
  5. After 90 days, we will introduce you to steps 2 and 3 of the Generational Wealth Triangle™.

Your Part

  1. You accept the Bill Pay Agreement.
  2. We send you a username and password to your Bill-Pay Portal.
  3. Instead of paying your bills and expenses directly, you make a discounted precalculated weekly deposit into your Bill-PayPro™ Account. (Non-Taxable 10% per month Dividend)
      a). You tell us who to pay, their account number, mailing address, and due date.
      b). You tell us how much you spend on discretionary and miscellaneous items.

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.

Thank you for the opportunity.  See you on the other side!

Karriem Ali,
Founder of Bill-Pay Pro™
CEO, PāyZero® Inc.
D.B.A. PāyZero® Financial Assistance

Welcome to pāyZero® Incorporated  |  Home of Bill-Pay Pro™
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 – $1,000/mo. (each month PāyZero® pays you 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. in household expenses. For the best results, you need to add as many bills and expenses as possible to our user interface platform.