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

How We See It…

Disclosure: We do not solicit investment dollars from our clients.  We provide Bill-Pay and Tax Services.  When we pay your bills, our software has built-in fractional reserve banking incentives that provide our company a float/margin of 25% of the money deposited with PayZero for bill payment purposes.  Below you will find the many ways we use to invest our 25% with returns in time to allow your bills to be paid in full and on time.  100% of your household expenses are paid by PayZero Inc. using our Bill-PayPro™ platform.

In managing our incentive/float accounts, we seek to maximize returns for a given level of risk. As part of this effort, we pay close attention to the US business cycle and use our understanding of economic conditions to adjust the mix of investments in your account over time.

How the business cycle plays a role in our approach



We believe there’s a strong connection between the current place of the economy in the business cycle and various asset class returns. This is why we seek to understand where the US economy is in the business cycle so that we can make adjustments to your investments as the economic environment changes, and emphasize investments that have historically performed well during each phase of the business cycle.

Defensive investment approach

We practice an approach that emphasizes defensive investments, like our Stock Trading Quadrant, designed to place return 85% of deposited dollars back to the original source within 45 days.  This way, we operate risking bank margin instead of invested dollars.  This method places the majority of our invested dollars back where we got it from.  We then can use the returns from the marginalized investments to make sure bills our paid.

Investment Portfolio

  • Stocks and Trading
    • Trading Quadrant
  • Crypto
    • Trading Software
  • Gold
  • Silver
  • Insurance
    • Bank on yourself Strategies
  • Real Estate
    • Mini mall acquisitions
  • Business Acquisitions
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.