Originally Posted by PAR

There is no GOOD reason for a processor to fall behind in payments.. EVER..

For a late payment to happen,
One of the following is holding the funds:
1- Visa withholding funds from the bank ...
*not going to happen unless the bank pissed of Visa and is at risk of losing the relationship*
2- Bank withholding funds from Zombaio
*not going to happen unless the bank pissed of Visa and is at risk of losing the relationship*
3- Zombaio withholding funds from their clients...
*only see this happening if Zombaio is in breach of trust and used the cash it does not own for other things...

What reason would Zombaio have to not pay its' clients?
Visa has settled to the bank,
The bank has settled with Zombaio
Zombaio has done what with the funds?

Simple question of why are funds late has yet to be answered?
Zombaio can't pay its' clients of it doesn't have the cash but if they were settled from the bank then what did Zombaio do with the funds??

There is also a question of legality of using funds from client A to pay client B and so on..