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

If you are a W-2 or Salaried Employee, you can have access to 12% – 25% of your total monthly expenses. Wealth planning no longer has to cost you a dime.

Imagine being able to get keep 25% of your monthly expenses by changing the way you bank, and without changing anything about your budget. 

It’s time to take your finances and save money to the next level. It’s time you had access to your FLOAT MONEY.

Message for every wage-earning household with a w-2 and direct deposit: The Bill-Tycoon™ System is a “how-to” for using Online Banking to squeeze even more money into your pocket, even though you are the greatest budget master of all time, and don’t think you need any help managing money.


PāyZero® uses an algorithm that purposely distributes smaller and smaller amounts of your future arriving paychecks into accounts used to pay your household bills and expenses.  The Bill-Tycoon™ Cash-Flow Allocation and Shorting Strategy allow all of your bills and expenses to be paid on time and in full as usual, but this time, because of shorting, you get to keep and sweep as much as 25% of the money you pay for your household bills into an account outside of your bank for safekeeping and easy access. When you model your cash flow distribution at your bank after the Bill-Tycoon™ Cash-Flow Allocation and Shorting Strategy, your money remains under the safety of The FDIC with zero chance of an NSF.   You will then be able to use your electronic bill pay return to contribute towards wealth planning without the burden of being an out-of-pocket expense.

Sounds crazy? 

Well, it’s not.  Shorting your money is not about budgeting. It’s about banking… using a Cash-Flow Shorting strategy (CFS) to shrink the cost of your expenses against your arriving paychecks in order to generate Return/Margin/Float – The gap between your “old costs per week against your paychecks” and your “new, lower costs per week against your paychecks”.

Bill-Tycoon™ will lower your weekly costs per paycheck for all of your monthly expenses, and not miss a beat when it comes to bills and expenses being paid in full, and on time as usual. You can log in and tell us what to do with your Float Money.

What the old saying “Time Is Money” means to Us.

The Bill-Tycoon™ System™ is an instructional guide for banking based on Timing and follows the guidelines of safe FDIC® insured banking. Although there are 4 months with 5 weeks in a year, the Advance Rebate Calculation Algorithm treats all 12 months like they have 5 weeks for the benefit of w2 employees throughout all income pay periods, regardless of how many incomes your household may have.

The general rule of thumb most people use while budgeting is based on 1 month being 4 weeks. As your bill comes, you take any new money you just made and have to pay for an entire bill.  That is counterproductive. 

Actual Client:

  • Their monthly bills come to $2,856.67/month
  • That costs them $714.17/week

But what happens when we applied The Bill-Tycoon™ Cash Flow Allocation Shorting Strategy?

  • We pay the Same monthly expenses of $2,856.67 as you
  • The Bill-Tycoon™ System covers your expenses for $611.21/wk. from your paycheck (No NSF Charges)
  • $714.17 – $611.21 = $102.96 in Return/Margin/Float.
  • This client’s Weekly Costs were lowered by $102.96 (This is your Return/Margin/Float)
  • Over the course of the month, $446.00 becomes “Investible”

This example came from an actual client. The Bill-Tycoon™ System does the shorting calculations for all of your bills and expenses at the same time to come up with your Float amount.

Every W2 household has a Return of Income Available with Bill-Tycoon™.

3 things will happen within 30 – 45 Days of getting started...


Bills Paid On Time Like Normal

You will continue to have enough money to continue to pay bills on time as usual without missing a beat.


You Will Not Be Asked To Adjust Your Budget

You will not be asked to make any alterations to your budget, but your monthly savings will most likely increase.


You Will Have An Additional $500 – $2,000*+/Month To ReSpend.

On average, the PayZero® strategy will unlock $1,143+/month without cutting expenses.  This is the National Monthly Average per Working Household.

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.