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I am going to add that I have my own merchant account and I have had issues. They are software issues and nothing else.
One example, a programmer made changes on my server and inadvertently sent an xml que to the biller. This some how set all my sales to single sales instead of rebills. It was not intentional but I tried to rectify by putting those sales recurring again manually. So what happened is they did rebill but also rebilled on the initial day of purchase. So these people got billed 2 times per month till I discovered the problem.
You see what I'm saying? They, zombaio and ccbill are the merchant account. You are just a small, small, piece of that account. Shit happens and if you are a baller, get your own REAL $erchant account. Till then you are just a peon.
So I worked out my issues and not even one chargeback. Food for thought.
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