Short answers

Yes, as allowed by law. Each load to your giving balance is a completed gift to Zeroed Corporation (a 501(c)(3) nonprofit, EIN 43-2919794), and you get a receipt at that moment. Directing your balance to a bill later is not a second gift and doesn't change the receipt. An annual summary is in the app every January.

So that giving is one tap. Loading once means no checkout, no card form and no fee on each give. It also means the gift is to the charity, not to a person, which is what makes it deductible and keeps everyone out of the money-transfer business.

No. A load is a completed gift; the charity owns it from then on. You choose which bills it goes to, and anything you haven't directed after 12 months goes to the pool. We refund only our own errors (a duplicate charge, say).

Your display name and level, if you have a public profile. If you give anonymously they see "someone". They never see your email, payment details or how much you gave.

A bill is live for 45 days. If it's close at the end, the pool tops it up and it gets paid. If not, what was given goes to the pool and pays other bills; you're told either way.

Two things fund operations: an optional tip you can add at load time, and a share of each load that covers card fees and running the charity. The exact numbers are on the financials page every month.

Pick an amount from $5 to $1,000 and your card is charged once a month. Each charge is its own tax-deductible gift with its own receipt. You choose: the money lands in your giving balance for you to give, or "give it for me" sends it to the live bills closest to zero (never your own). Pause, change or cancel any time in Wallet.

A code you buy for someone else, from $10 to $500. They redeem it and choose the verified bills it clears; it can never be cashed out. You made the gift, so the tax receipt is yours. Codes are good for a year; one nobody redeems goes to the pool, which pays the oldest verified bills.

An office, a church or a group of friends can start a team, set a goal in debts cleared, and invite people (or let anyone join). Everyone gives from their own balance; the team page adds up the bills you clear together. Team boards count bills and points, never dollars. You can be on one team at a time.

Yes. A sponsor sets a budget and a ratio (one to one, two to one), optionally for one team's gifts, and every eligible gift is matched until the budget runs out. We book the sponsor's money before a single gift is matched. Write to [email protected].

No. You sign a short statement that paying this bill is a hardship. We verify your identity and the bill, not your bank account.

No, and that's on purpose. We pay the creditor directly and send you the confirmation. It means nobody can use Zeroed to get cash, which is why donors trust it.

As many as you have, one account each. We decline duplicates, bills we can't confirm with the creditor, and bills outside the $100–$5,000 range.

Donors see your first name (or none), your city and state, the type of bill and the amount. Our verification team sees the bill. Your ID is checked by Stripe Identity and the image is never stored by us.

Yes. The app follows your phone’s language, or switch to Español in Settings, and notifications come in Spanish too. Our help page is at zeroed.cash/es/ayuda, and you can write to us in Spanish.

Utilities, medical, court fines and fees, personal loans, credit cards and collections, owed to a company, hospital, court or lender. Not rent yet, not payday or title loans, and never a debt to another person.

Before a bill goes live we check the person's government ID and match it to the name on the statement, and each bill says what was checked. Before anything is paid we confirm the balance with the creditor: through the creditor's API where one exists, otherwise by a person on our team calling or checking the creditor's portal. If a bill can't be confirmed, the gifts go to the pool for other verified bills. Duplicate and mismatched bills are declined and the numbers are published.

Even a perfect fake gets them nothing: we only pay creditors we can verify, to accounts we confirmed, and never to a person. Attempted fraud is reported on the financials page.

No. A recipient can send one thank-you per bill, which we read before it goes out; you can heart it back. There is no direct messaging in either direction.