^^^you forgot 100 overdue payments
I get that you're a new site owner and you've probably invested a ton of $$$$ already in starting your site, but my advice would be to not get all hung up on the annual VISA/MC fees. The most important criterion (beyond reliability and stability which are vital) is processing percentage, and at 15% IPSP processing fees you're losing a ton of $$$$ every time a member joins your site or rebills. Think about it this way: for smaller merchants not doing 20k per month the difference between merchant account processing fees and IPSP processing fees is in the range of at least 10%, meaning that for every $1000 you net using an IPSP you'd net $1100 with a merchant account. If your site earns you even 1k per week you'd have your VISA/MC fees paid for with that difference in a month and a half. For the next 10 1/2 months you'd pocket that extra 10% you'd otherwise lose to IPSP processing fees.
If your site is earning you any money there is no risk in getting a merchant account and laying down 1k for cc fees, you'll more than cover that cost over the course of the year even if your processing volume as a new site is low.
While there are lots of companies that offer adult merchant accounts and gateways I suggested Payze because as a new webmaster the process can be a bit overwhelming. It was for me anyways. I've been really impressed by the time and effort that Payze expends in working with merchants and they offer rates that are better than a lot of the current options out there. I don't work for the company or have anything to gain in recommending them, rather it's that based on your posts here it sounds like Payze would be a good fit for you
Just my
worth less than that, good luck with whatever you choose going forward
more generally, I wanted to mention something about unsettled payment discrepancies in the reserve report section. In my case the seemingly missing payout wasn't actually missing. It turns out that in the reserve report the reserves to be released are now calculated separately from the unsettled payments (whereas before the amount to be sent out included both the current payment and reserves to be released). I'm not actually missing a payment, it was just a coincidence that the reserves to be released ended up being the same amount as one of my two unsettled payments. I redid the math in light of that information and it does all add up correctly.
I'm definitely not a fan of the new system, the way it's designed makes it very difficult to parse the overdue totals available there. For webmasters who
are missing $$$$ due to admin recording errors/bugs the new design makes it really difficult to ascertain what exactly is missing. I guess the options are screenshots taken before the admin redesign or lacking those going through past transactions one by one adding them up to figure out exactly what's owed. Not fun. Y'all who are dealing with that have my sympathies
I get that you're the one who started this thread but seriously, with all due respect what do you expect to accomplish with over-sized font rants and insults? That's not going to make Zombaio pay you or anyone else more quickly. The rants won't cause Zombaio to fail, nor will they do anything to help fix the mess that the company is in. Beyond that I don't get why you focus your anger on Zombaio merchant support workers. They're not the cause of payment delays so why single them out instead of the peeps who actually run the company?
why not channel that rage into something productive and go for a long hard run- you'll feel better and you won't end up getting banned from the board for personal attacks. Win-win.
The sage continues I guess. While I hope Zombaio survives this mess I'm really grateful to the gfy community for giving me a kick in the azz to pursue other processing options a few months back. At that time I was still being paid in full and on time by Z but seeing how many webmasters
weren't being paid made me really concerned about the future of the company. By the time my payments turned to a trickle I had other options because of the forewarning I received here.
If it wasn't for gfy I'd be flipping the fuck out right now so for real, thanks y'all. wishing everyone the best of luck in getting paid.