Right now, you’re paying full price for every bill you have. With CrowdPays™, you don’t have to anymore.

If you spend $4,000 or more each month on household and personal expenses, you’re already paying that money. The question is — why keep paying the full amount?

With CrowdPays™, you move your existing bill pay to one of our FDIC-insured banking partners. Your bills are still paid on time and in full — nothing about them changes.

What changes is how much of your own money you use.

When members pay their bills through CrowdPays™, the club applies Cash Back Rewards directly toward those same expenses. That means if your monthly bills are $4,000, you may only need to deposit $3,500 — for the same bills.  No budgeting. No lifestyle changes. Just a lower cost of living using the money you already spend.

Every month you wait is another month you pay more than you have to.

Over time, CrowdPays™ continues applying Cash Back Rewards toward your expenses, reducing your total cost of living without loans or debt.

Eligibility: Membership is available to adults 25 and older who are employed full-time and currently spend between $4,000 and $20,000 per month on verified household and personal expenses. Eligibility is based solely on verified expenses and W-2 income — no credit checks, no debt, and no repayment obligations. Members enter the details of their monthly personal and household expenses into the CrowdPays™ platform so their monthly expenses are paid by the automated bill pay concierge. through FDIC®-insured partner banks. Cash Back Rewards:  As part of the membership rewards structure, CrowdPays™ pays members a profit over time for routing their bills through the platform. These rewards are paid directly to members and represent additional money left over after all bills are paid.

An Introduction…

What’s  CrowdPays™?

CrowdPays™ is a members-only bill pay club that offers Cash Back Rewards for paying the same bills you already pay.

Bank-Level Security & Processing

Members don’t change their lifestyle, their spending habits, or what they buy. They simply allow their household bills to be paid by CrowdPays™ — and the club applies Cash Back Rewards toward those bills each month.  CrowdPays™ operates through a regulated, FDIC-insured banking infrastructure used by major financial institutions.  All payments are processed through established banking relationships, including Truist and JPMorgan Chase — helping ensure your bills are handled securely, reliably, and on time.

You’re not leaving your bank — you’re optimizing how your bills get paid!

This isn’t budgeting software, financial advice, or a relief program.
Many people think they could save 10% on their own by trimming expenses — and technically they can. But CrowdPays™ rewards every dollar you spend, automatically. Even if you cut back on your own, the rewards still apply — giving you extra money in your pocket without lifestyle changes, budgeting, or sacrifice.  If you already pay your bills, you already qualify.

The Power of Group Economics: When households deposit their bill pay money into one account at one of our banking partners, the deposits are high enough for that bank to pay CrowdPays™ a hefty commission for bringing bill pay deposits. CrowdPays™ uses group deposit economics to generate value CrowdPays™ then shares the remaining value after all bills and expenses are paid for the month with you as a profit for participating in CrowdPays™ — real money, paid to you — while every bill is still paid in full.

People don’t join because they’re struggling. They join because the club turns ordinary bill payments into a profit opportunity, leaving them with more money at the end of the month — without changing income or expenses.

Each household opens a CrowdPays™ bill pay account and deposits what it already spends on verified expenses, divided into predictable weekly amounts. Payments are processed through regulated, FDIC®-insured banking partners.

No lifestyle changes.
No spending changes.
No new bills.

What changes is what’s left over.   ;;And how we share it with you, the members!

CrowdPays™ is sometimes described as a modern Bill Pay SuSu™ — a coordinated system where households pay together, bills stay fully covered, and members are rewarded with profit.

Same bills. Fully paid.
Now they pay you back.

Cash Back Reward payments are not loans, advances, or credits against bills — they are earned membership rewards. Cash Back Reward payments are solely the result of participation in the bill pay club and are reportable for tax purposes. Results vary by household.

Would you like to be interviewed for membership in the CrowdPays Network? Call 1-855-369-5050

Why CrowdPays™ Works for Members

CrowdPays™ starts working the moment you join.
You list the household bills you already pay and make the same predictable weekly deposits based on your real expenses. Nothing about your spending or lifestyle changes.

Your bills are still paid on time and in full — but now through a system designed to reward you for paying them, leaving more money with you after everything is covered.

More Money Left Over — Automatically

After your first 90 days, CrowdPays™ begins rewarding members as part of the club’s membership structure.

As participation continues, members begin receiving value back from the system — meaning it takes less of their own paycheck to support the same fully paid bills, and more money stays with them at the end of each month.

Same bills. Same coverage. More money left over.

You Decide How the Benefit Shows Up

You stay in control.

As the membership rewards grow, you decide how the benefit is experienced — whether that means keeping more money in your paycheck each month or directing it toward savings or investments you already control.

CrowdPays™ doesn’t manage, move, or advise on your money. It simply turns ordinary bill payments into a financial advantage.

What to Know Up Front

Simple Membership Structure:
For a one-time $149 enrollment and $99/month, members unlock a bill-pay–based Cashback Rewards system designed to turn everyday expenses into long-term financial advantage. Or, for $249, you can skip the wait and get an immediate 10% reduction in your cost of living—starting next month. Your monthly membership integrates directly into your bill pay, shrinking over time as rewards increase—and can ultimately be offset entirely by those rewards.

Based on the Bills You Already Pay.

Membership rewards are tied to your verified household and personal expenses — the same bills CrowdPays™ pays on your behalf.

No Debt. No Repayment.
This is not a loan, advance, or credit product. There is nothing to pay back and no new obligations created.

Consistency Is What Creates the Reward
Members complete an initial 90-day period before rewards begin. That consistency enables the club to return value to participating households over time reliably.

The Simple Truth

People don’t join CrowdPays™ because they can’t manage their money, or struggle to pay their bills.  They join because they want more money left over after they’re paid. “a little extra financial breathing room”

CrowdPays™ makes that happen — without changing how you live.

Your Expense Account Comes With:

• Secure login access to view deposits, bills, and rewards
• A dedicated Bill Pay Account for household and personal expenses
• Weekly deposits that decrease over time as membership rewards grow
• Real-time bill payment tracking and spending visibility
• An affiliate dashboard to share your link and increase rewards through participation
• Optional cash-flow tools for debt payoff, saving, or investing
• (Optional) investor tools to help put your extra cash to work

Imagine This:
Paying your bills doesn’t just cover expenses anymore.
It creates profit — money left over each month you can keep, save, or invest, simply by paying the same bills you already pay.

Estimate by Graph

Articles

Ready to Stop Paying Full Price for Your Bills?

How to Start on CrowdPays™

Getting Started

You open a CrowdPays™ Expense Account and deposit enough to cover your normal monthly household and personal expenses. CrowdPays™ pays every bill on time and in full through regulated banking partners.

After an initial onboarding period, the system begins Chippin In™ internally — applying membership rewards toward your verified bills. Over time, this reduces how much of your own money is required to keep all expenses fully paid.

With continued participation, CrowdPays™ can cover up to 50% of verified household expenses, applying between $160,350 and $800,000 toward members’ bills over the life of participation.

This benefit is applied through bill payment — not as cash.

How Members Experience the Benefit

You stay in control.

As CrowdPays™ covers more of your bills, your required weekly deposits decrease. The result is simple: the same bills are paid, but more money stays in your paycheck each month.

What you do with that extra money is entirely up to you. CrowdPays™ does not manage, direct, or advise on savings or investments.

What This Isn’t

• No loans
• No credit checks
• No repayment obligations
• No investment risk
• No budgeting harder or lifestyle changes

What You Are Doing

You’re paying the same bills through a smarter bill pay system — one that rewards participation by steadily lowering how much of your income goes toward monthly expenses.

CrowdPaying™ (v.)
Paying household bills through a coordinated group system that returns value by reducing what you have to contribute — leaving more money left over at the end of each month and increasing your Household Economic Index (HEI).

We Pay all Household & Personal Expenses You Can List

Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support, Electricity Bills, Natural Gas Bills, Cell Phone Bills, Legal Bills, Vehicle Insurance, Streaming, NetFlix, Hulu, Life Insurance, Health Insurance, Water Bills, Sewer Bills, Property Taxes, Homeowners Insurance, Streaming Bills, Cable Bills, Internet Services, Gym Bills, Vehicle Gasoline, Groceries, Religious, Trips, Vacations, Amazon, Cosmetics, Barber, Salon, Dry Cleaners, Entertainment, Clothes Shopping, Other Miscellaneous Items, college tuition, storage unit, renters insurance, HeLoc

You are the Ideal Client

Busy People:

  • Doctors
  • Attorneys
  • Corporate Managers
  • Entertainers
  • Nurses
  • Athletes

Any W2 Employee

 Quality of life Improvement:

  • People who want to live worry-free.
  • The Elderly
  • Caregivers of the Elderly
  • Retirees

Anyone

The Financially Concerned:

  • Newlyweds with new babies
  • People who want to pay off debt.
  • Investors
  • People who want financial freedom

Anyone

Frequently Asked Questions

What is CrowdPays™?

CrowdPay™ Inc., doing business as CrowdPays™, is a financial technology company (NAICS 522320) providing concierge-style automated bill payment through its proprietary SaaS platform. As a NeoBank-lite financial services provider, CrowdPays™ routes, schedules, and pays verified household and personal expenses through regulated, FDIC®-insured partner banks using licensed money-transmitter infrastructure.

Think of CrowdPays™ like PayPal — but for paying household bills together through one coordinated system. Just as PayPal streamlines how money moves between people and businesses, CrowdPays™ streamlines how recurring household expenses are managed by centralizing deposits, automating payments, and applying internal membership rewards directly to verified bills.

CrowdPays™ does not lend money, advance funds, or permit borrowing. All bills are paid using member-directed deposits and internal bill-pay credits applied through the membership reward structure. No credit is extended, no debt is created, and no repayment obligation ever exists.

How Did CrowdPay™ come about?

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So CrowdPay™ was born.

What is Crowd Paying?

CrowdPaying™ is a bill-pay membership system where members make predictable weekly deposits to cover their household and lifestyle bills. These deposits are processed through a coordinated, verified system that pays bills on time and in full — every month.

How CrowdPaying™ Works

  1. Weekly Deposits for Monthly Bills
    Members make one weekly deposit based on their verified monthly expenses. Those deposits are used to pay bills through FDIC-insured banking partners, ensuring payments are made accurately and on time.

  2. Group Efficiency
    Because many households pay through the same system consistently, CrowdPays™ can operate more efficiently than individual bill pay. This efficiency is the source of the member rewards.

  3. Rewards Applied Directly to Bills
    After the initial onboarding period, CrowdPays™ begins applying membership rewards — internal bill-pay credits — directly to verified bills. This reduces the amount members need to deposit, while keeping 100% bill coverage intact.

  4. Long-Term Benefit
    The longer a member stays active, the more rewards they may receive — gradually lowering their weekly deposit requirements over time.

What is the benefit of CrowdPays™ Paying Your Bills?

Convenience! | Stress Relief! | Peace of Mind!

Even if you’re excellent at paying your bills on time, a CrowdPays™ Bill Pay Account gives you access to exclusive membership rewards that go beyond ordinary bill pay.

How CrowdPays™ Works

When you deposit money into your CrowdPays™ Bill Pay Account, your household bills are paid through a single, coordinated system. That coordination allows the platform to operate more efficiently using group economics.

That efficiency generates membership rewards, which are paid back to participating members as profit earned from paying the same bills they already pay.

The larger the membership, the greater the system’s efficiency.
And the greater the efficiency, the more profit members can receive.

Benefits of CrowdPaying™

1. Earn Profit From Normal Bill Paying
By routing verified household expenses through CrowdPays™, members participate in a system that returns value in the form of earned rewards — not discounts, not debt, and not bill reductions.

2. Bills Stay Fully Paid
All household and personal bills continue to be paid on time and in full through regulated, FDIC®-insured banking partners, regardless of reward level.

3. Increasing Rewards Over Time
As participation continues, membership rewards can grow — increasing the amount of profit members receive while their bill payments remain unchanged.

Bottom Line

CrowdPays™ allows households to pay bills normally — while earning profit through collective participation instead of simply watching money leave their account each month.

Minimum Rewards Structure

CrowdPays™ begins delivering value after an initial onboarding period:

• A minimum reward equivalent to $250/month
• Increases to at least $400/month over time
• Can continue growing until rewards reach up to 50% of verified household expenses

Same bills.
Same payments.
Profit for participating.

How CrowdPays™ Make It Happen?

CrowdPays™ is a FinTech bill pay platform built on a simple business model:
volume + consistency = savings.

Here’s how it works:

1. We operate like a modern banking service

As a FinTech provider, we rely on consistent weekly deposits from members to maintain a sustainable system.
Because members pay their bills through one coordinated platform, CrowdPays™ can use scale and efficiency to reduce costs.

2. Group economics creates savings

When many households pay their bills through CrowdPays™, the system gains leverage from:

  • volume bill pay deposits

  • predictable payment schedules

  • operational efficiency

  • banking infrastructure and partnerships

Those efficiencies create internal bill-pay credits that can be applied to members’ bills.

3. We pass the savings back to members

The more households that join and stay consistent with deposits, the more savings the system generates.

That’s how CrowdPays™ can reduce your weekly deposit over time while still paying 100% of your bills in full and on time.

4. The crowd is the reason we can do it

From individual members to our “Tell a Friend” Affiliate Plan, every household added to the system increases the overall scale and strengthens the club.

That’s why CrowdPays™ can create a structure where your required weekly deposit gradually decreases — even though your bills stay fully paid.

In short:

CrowdPays™ works because bill paying is pooled, predictable, and scalable — and the savings from that scale are shared with members.

What are the requirements? Where do I start?

Our requirements are simple:

  • Monthly Bills Minimum – Minimum Net Household Expenses: $4,000/mo.
  • Financial Stability – Must be able to afford weekly deposits for bill pay (Example $1,000/week)
  • Age – Minimum age is 25, Maximum age is 65 years.

Testimonials

“My household expenses total $4,082 per month. I joined in January 2021 and deposited $1,021 weekly into my Expense Account to cover bills. By January 2025, I’m still depositing the same amount, but CrowdPays™ has generated a profit of $2,041 per month toward my household expenses — while every bill is still paid in full. My financial advisor is very pleased with my progress.”
— A. Cozart

“My household expenses total $7,660 per month. Since joining in October 2024, I’ve been depositing $1,915 weekly into my Expense Account to cover bills. By June 2025, CrowdPays™ has generated a profit of $1,148 per month — and my bills are still paid in full. This profit continues to grow thanks to the Bill-Pay Payout.”
— K. Campbell

“Our household expenses total $4,800 per month. When we joined in March 2024, we deposited $1,200 weekly into our Expense Account to cover bills. CrowdPays™ has generated a profit of $1,148 per month while our bills remain paid in full.”
— L. Byrd

“Our household expenses total $5,565 per month. When we joined in January 2021, we deposited $1,391 weekly into our Expense Account to cover bills.  CrowdPays™ generates a profit of $2,990 per month while our bills stay paid in full. We keep more cash in hand without any extra loan payments.”
— C. Blue

“My household expenses total $6,200 per month. When I joined in March 2023, I deposited $1,551 weekly into my Expense Account for bill pay. After referring 4 people, I still deposit $1,551 weekly, and CrowdPays™ generates a profit of $2,967 per month while my bills stay paid in full. I can invest or spend that money however I choose.”
— B. Webster

My household expenses total $3,800 per month. I joined in May 2020, depositing $950 weekly into my Expense Account. Since June 2023, CrowdPays™ generates a profit of $2,042 per month while my bills remain paid in full. This has consistently freed up extra cash for the past year and a half.
— T. Holt

Ask About Our “Tell A Friend” Referral Program

If your personal and household expenses are $3,500 per month, referring just 2 households means CrowdPays™ will only collect $3,000 from you—the crowd covers the remaining $500!

The larger your crowd, the less you pay each month.

Your Guaranteed benefit is Capped at 100% of Amount of Your Monthly Bills & Expenses. Use the calculator below to find out how many referrals it takes for CrowdPays to cover 100% of your household bills.

Tell a Friend Calculator

Tell A Friend Calculator

About Us

About Us

Not Financial Advice... Financial Freedom.

It’s been our experience that people don’t listen to financial advice because they believe they are not in a financial position to follow the given instructions.  So we don’t offer Financial Advice. Instead, we provide real-life Financial Freedom.

It All Starts with Managing the Money You Spend!

At CrowdPays™, we want to give working families spending under $20,000/month in household expenses…

A Financial Leg Up!

Using our signature software, CrowdPays™ we are able to Split the cost of monthly household expenses for just about any working household in the United States.

All of your bills in one place: CrowdPays™ manages your money so you don't have to. It is an FDIC® Insured automated Concierge
Maximum flexability: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.
Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.
Safe and Secure: All information sent to and from the CrowdPays™ is encrypted and sent through a secure Internet connection.

Legal Disclosure

CrowdPay Inc., doing business as CrowdPays™, is a financial technology company (NAICS 522320) providing concierge-style automated bill payment through its proprietary SaaS platform, operating exclusively through regulated, FDIC®-insured banking and money-transmitter infrastructure.  CrowdPays™ is not a bank.

CrowdPays™ operates exclusively as a bill pay concierge offering a Cash Back Rewards program. Members open user-named internal Expense Accounts used solely for paying verified, recurring household and personal bills such as rent, utilities, insurance, subscriptions, and other approved expenses. CrowdPays™ does not issue loans, advances, credit, or cash payments, and does not provide investment or financial advisory services.

Bill Pay Credits & Member Benefits

Cash Back Reward payments are not loans, advances, or credits against bills — they are earned membership rewards. Cash Back Reward payments are solely the result of participation in the bill pay club and may be reportable for tax purposes. Results vary by household.

If a client wants to point their Cash Back Rewards towards their expenses, CrowdPays™ may apply internal bill-pay credits toward a member’s verified expenses based on participation, deposit consistency, and platform eligibility criteria. These credits:

  • are not cash

  • are not withdrawable

  • are applied only within the CrowdPays™ bill pay system

  • reduce future required deposits while bills remain paid in full

Over time, eligible members may receive substantial internal bill coverage applied directly to their household expenses. Results vary by household and participation level.

Not a Loan. Not Cash. No Repayment.

All CrowdPays™ credits and benefits:

  • are not loans, advances, or credit products

  • do not require repayment

  • do not accrue interest

  • are not reported to credit bureaus

  • do not result in personal debt

Members are responsible only for making scheduled deposits into the FDIC banking partner chosen by CrowdPays in weekly amounts sufficient to cover their bills after applicable internal credits are applied.

SuSu Reference (Modernized)

CrowdPays™ is sometimes described as a modernized “Bill Pay SuSu” because members coordinate bill payments through a shared system that uses scale and predictability to reduce how much each household must contribute.

Members do not receive cash from other members, do not participate in rotations, and do not depend on recruitment.

Compliance & Controls

CrowdPays™ complies with applicable KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements. All deposits are member-initiated. CrowdPays™ does not initiate withdrawals from external member bank accounts and does not distribute funds directly to members.

Investment Disclaimer

CrowdPays™ does not offer investment advice, manage investment accounts, or act as a fiduciary. Any financial decisions made outside the CrowdPays™ platform are the sole responsibility of the member.

© 1994–2026 CrowdPay™ Inc. All rights reserved. CrowdPays™, Chippin In™, Bill Pay SuSu™, and related marks are trademarks of CrowdPay™ Inc.

Log In