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How we pick (grades out of 100; higher is better)

Every alternative is scored on the same Woke Broke List rubric as the companies on the list, using public sources only. Only brands graded A, B or C are shown (A 95–100, B 90–94, C 84–89 out of 100; higher is better), listed A and B first, then C. Our review as of Oct. 20, 2026 checked HRC’s 2026 Corporate Equality Index, FEC records for a company PAC, seven published coalition letters and court briefs listed on our Methodology page, and news coverage of Pride, DEI and political activity. This is not a full audit. Links go to each brand’s own website.

We are not paid by any brand listed.

Payments

Instead of PayPal Grade F 70/100

We have rated one alternative in this category so far. More are being researched.

  • Zelle

    Grade A 98/100

    Simple graphic of two phones with arrows passing money between them
    Graphic: Woke Broke List (no logo)

    One finding: its operator, Early Warning Services, signed HRC's 2022 statement against state bills. Owned by seven U.S. banks, which we rate separately: Bank of America, Capital One, JPMorgan Chase, PNC, Truist, U.S. Bank and Wells Fargo. Bank of America and JPMorgan Chase are graded D (as of Oct. 20, 2026); grades for the other five owners will appear after our review. Source: HRC, Mar 31, 2022 statement

    zellepay.com

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