Zombaio is (allegedly) a Swedish based company.
From their footer:
Zombaio Payment Services, Ltd. IOMS AB and Cawen Financial Group
On another page, Zombaio is listed as their "DBA" name.
There's several regulatory like agencies within Sweden/Europe that would serve to file complaints against them:
http://www.arn.se/English/English/ - The National Board for Consumer Disputes. However their "value limitations" are under $200 USD so they wouldn't assist with larger webmasters.
They list some information near the bottom regarding non-Swedish citizens in disputing with Swedish companies:
Quote:
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Consumers that have come into conflict with a business operator in a country within the EU other than their own can turn to their European Consumer Centre or Euroguichet for advice and help. A list of current European Consumer Centres is available at the European Commission's website. The Swedish European Consumer Centre is called Konsument Europa.
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http://ec.europa.eu/
http://www.konsumenteuropa.se/
http://www.konsumentverket.se/otherlanguages/English/
I think a better starting place would be alerting Visa to what they're doing.
It's important to note I was unable to find "Zombaio", "IOMS" or "Cawen' in their Global Registry of Service Providers (including their European site) -- which would be required if they process more than 300,000 transactions per year. I'd be surprised if they didn't as that's only 850 or so transactions per day.
[email protected]
[email protected]
- Two Visa emails to contact them regarding them to find out more information and find out what rules/regulations they may be violating.
It's also important to understand that this isn't limited to Zombaio. Who their acquiring bank(s) is, is really important. For all we know, Zombaio has had good intentions and their bank is screwing them over. Their lack of transparency might suggest otherwise but it's still a possibility.
I'm not exactly sure how we would find out who their acquiring bank is. You'd have to sign up to a Zombaio website (not your own, it will reject the transaction) then call your CC company and try to get them to divulge what bank processed the transaction.
Once we found out who their acquiring bank is, we can contact them to see what they have to say, if anything.
I don't think until Zombaio actually starts terminating accounts or goes out of business and tries to run with the money, you'd be able to take legal action against them or attempt to recover lost funds. Keep in mind in their agreement you signed, it states they can basically be as late as possible as they want with payouts and it's within the terms of the agreement. Also within the terms, the right for Zombaio to terminate the agreement at any time for any reason. Also within their terms, they can hold your money for 9 months. However, at the bottom it talks about which of their terms are actually enforceable. So no, Zombaio can't wait 10 years to pay you out and still be within their legal agreement.
I think realistically, if Zombaio starts stealing people's money -- the best option is going to be coming together to take legal action. We process really high volume with them so I can't say it hasn't crossed my mind.
Also to mention, their misc. locations in other countries are phonies.
Their California address is occupied by "Spotlight Pages"
Spotlight Pages
800 W El Camino Real #180
Mountain View, CA 94040
I think Zombaio probably just rented them out for a little while to get the addresses then vacated and didn't update their site (creating the illusion they have more employees than they do, and operate in locations they don't).
Not to mention, their website still says payments are staggered 20 days after processed.
I'm just hoping this has a good ending...
PS
I also think it's a good idea for webmasters to start taking screenshots and hypercam screencasts of them logging into their accounts, viewing their payments page, going through the transaction history/reports, as well. If Zombaio just goes offline, good luck proving to anyone (even if you use your own membership management script) how much money they owe you exactly. I also save the transaction reports via CSV which contains all of the customer data (first/last names, transaction dates, etc). Better safe than sorry.