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Im with Zombaio I make shittie amounts like 500 dll a month I cannot afford CCbil Epoch,
Zombaio is very good at fraud protection they basically deny a lot of transaction based on country origin,
When I was with Verotel they told me I was #1 in chargebacks , they suspended my account blaming me for the chargebacks but now I see VEROTEL SUCKS they are very easy to make chargeback payments, because with zombaio I only see long time suscribers, but with VEROTEL they didnt decline anything, and when I had a surge in chargebacks they suspended my account.
Im with Zombaio because no other processor accepted my site
I haven't seen my first payment but hope they at least send me something, I'm sure Mastercard and Visa would have cancelled their processing if they where truly thieves.
Since Zombaio declines a lot of sales, I get a sense they are very care full with chargebacks. Maybe they can tell the OP they are holding the money 6 months to guard against chargebacks since its a lot of money. But even after that chargebacks can arrive even after 18 months
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