How it works
We pay the creditor. Never the person.
The whole thing, start to finish, in the order it happens: how a bill gets verified, how your gift works, and where every dollar ends up.
Every card is a real bill, checked against a verified ID. We confirm with the creditor before we pay.
For donors
Three steps, then one tap each time
Load once, give from your balance, and see the bill hit zero. No checkout on every gift.
Load a giving balance
Card, Apple Pay, Google Pay or bank. The load is a completed, tax-deductible gift to Zeroed Corporation the moment you make it, and the receipt comes right then.
It isn't a deposit or stored value: once loaded, it can only go to a creditor or to our operations. A balance you haven't directed in 12 months goes to the pool.
Scroll, tap to give
Each card shows a first name, a city, the kind of bill, what's left and how many people gave. Tap $5, $10, $25 or Clear it.
Gifts over $250 ask you to confirm, and a daily limit keeps anyone from emptying a balance by accident.
Watch it hit zero
When a bill is fully funded we pay the creditor directly and everyone who gave sees the paid-in-full confirmation.
You earn points and levels for showing up. We never rank or score the people asking for help.
More ways to give
Give the way that fits you
Every month
$5 to $1,000, charged once a month, each charge its own receipt. Keep it in your balance or let it go to the bills closest to zero.
Give monthly →As a gift
A gift balance ($10 to $500) for someone else. They pick the bills; you keep the receipt. Unused after a year, it goes to the pool.
Give a gift balance →As a team
Your office, church or friends with a goal in debts cleared. Each bill counts once for the team. Sponsors can match a team.
Start a team →Thank-you notes
When a bill is funded, the person can send one note to everyone who gave. We read it first. You can send a heart back; that's the whole channel.
For people with a bill
Ask once, add bills whenever you need
Any adult in the US with a bill of $100–$5,000 in their own name, owed to a company, hospital, court, utility or lender.
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01
Verify once
A government ID and a selfie, checked by Stripe Identity. We keep the result, never the images.
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02
Snap the bill
We read the creditor and balance from the photo. A short hardship statement, no income test, no essay, no fee.
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03
We confirm it
By API for loans, cards, many utilities and collections; by a person on our team calling or checking the portal for medical and court bills. Usually a day or two.
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04
It goes live, then gets paid
Donors pay it down. When it hits zero we pay the creditor and send you the confirmation.
What donors see, and what they never see
Shown
- Your first name, or no name
- Your city and state
- The kind of bill and the amount
- One line in your words, if you want
Never shown
- Your last name or address
- Your account number
- The bill itself
- Your phone or email
You can take a bill down any time before it's funded. We decline duplicates and bills we can't confirm with the creditor.
See if it fitsWhere the money goes
Three stops, and a person's bank account is never one of them
- 1 You
A load is your tax-deductible gift to the charity, receipted right away.
- 2 Zeroed Corporation
A 501(c)(3) holds it until you pick a bill. Every dollar is on the public ledger.
- $0 The creditor
Paid directly by ACH, check, card or the creditor’s own portal. The bill hits zero.
No recipient ever receives cash, a transfer or a gift card. There's no way in the system to send one. See the books →
The fine print, in plain words
Bills nobody funds, and how we pay to run
45 days live
A bill stays in the feed for 45 days. Most are paid in full well before that.
The pool tops it up
If a bill is close at the end, the pool covers the rest and it gets paid. If not, what was given goes to the pool and pays other verified bills, and the person can resubmit.
Operations, in public
An optional tip at load time and a share of each load cover card fees and running the charity. The exact split is on the financials page every month.
Somebody's bill is a few taps from zero.
Load once, give with a tap, and watch it hit zero.