Zombaio account closed/restricted

[seXXXhub]

Pretty weird story, im not accusing Zombaio for false statement or soemthing , i just think its pretty weird ... yesterday i checked my Zombaio account, everything ok ... Chargebacks 0% .. Refunds 0% Blacklist 1.09% ... after 1 hour ... i get this email .. "Your account has been closed because your chargeback ratio is over 10% " ... so .. on sunday night ... my chargeback ratio simply jumped over 10% ? Is that possible ?

[Choker]

This isn't going to end well. Sigh

[seeandsee]

Originally Posted by seXXXhub

Pretty weird story, im not accusing Zombaio for false statement or soemthing , i just think its pretty weird ... yesterday i checked my Zombaio account, everything ok ... Chargebacks 0% .. Refunds 0% Blacklist 1.09% ... after 1 hour ... i get this email .. "Your account has been closed because your chargeback ratio is over 10% " ... so .. on sunday night ... my chargeback ratio simply jumped over 10% ? Is that possible ?

strange, did you got in touch with them?

[TheLegacy]

Doesn't take long for a scam artist to do damage - but ya - I would contact your rep there and make a complaint

[nikki99]

another one.... mmmm

[Klen]

Well one thing is sure-zombaio today is far from they used to be,so i rather stick with ccbill instead.

[seXXXhub]

i replied to their ticket since yesterday .. no answer till now ...

[SwirlsGirl]

Is anyone still waiting for a payout from Zombaio from the last few days...specifically july 8th was the date for the settlement...has not arrived yet

[adultzone]

Is zombaio is part of ePass LOL

[Chosen]

Any comments from Zombaio?

[iamtam]

[Zombaio_Tomas]

It's very simple.

Yesterday you had 11.4% today you are at 44.57% in chargebacks. You were also today placed in the counterfeit program. Your account is closed and under investigation, and it is currently looking very strange with about 200 transactions from the same BIN.

It's a bit ironic when everyone thinks we are the bad guys just trying to protect our portfolio. But we don't care what you think, we will protect the good clients in our portfolio with all means.

Now, seXXXhub, I do not call you a fraudster or anything, Im just saying your account looks very very strange and you brought this up!

Normally I would not discuss this over a board, but you started, let's do this now.

[bean-aid]

rogue employee?

[Captain Kawaii]

Rogue my ass...

If you are a sleazy webmaster or target iffy traffic good luck to you...

I keep seeing these threads and wonder who is paying you? Maybe its your shady biz models you need to look at.

Seriously, wtf?

Swurve, I find the payments have sometimes hit my account before settlement date. Hope that helps...

No one is paying me for this post...
if they do not respond to you right away like they do with us, clean up your act...maybe they are looking at your account and going, "wtf?"

Some of what I have read on this board referred to as "good business" is shady at best and criminal at worst...

[amateurcanada]

I hate being very forward on boards when it comes to opinions as I value my partnerships with so many on here. In an industry that values its privacy - some precise details should be kept private and dealt with on that level.

[Konda]

Originally Posted by Zombaio_Tomas

It's very simple.

it is currently looking very strange with about 200 transactions from the same BIN.

It's very simple.

If you're system doesn't raise a flag when a processing customer sends an unusual amount of his transactions from the same BIN and you allow him to continue to keep sending transactions from this same BIN for nearly 200 transactions something is VERY wrong with your fraud management. That should have been caught much much sooner!

[icymelon]

whats a bin?

[TheDA]

Originally Posted by Zombaio_Tomas

It's very simple.

Yesterday you had 11.4% today you are at 44.57% in chargebacks. You were also today placed in the counterfeit program. Your account is closed and under investigation, and it is currently looking very strange with about 200 transactions from the same BIN.

It's a bit ironic when everyone thinks we are the bad guys just trying to protect our portfolio. But we don't care what you think, we will protect the good clients in our portfolio with all means.

Now, seXXXhub, I do not call you a fraudster or anything, Im just saying your account looks very very strange and you brought this up!

Normally I would not discuss this over a board, but you started, let's do this now.

Extremely unprofessional. You should not be discussing details.

[CurrentlySober]

Originally Posted by TheDA

Extremely unprofessional. You should not be discussing details.

Sorry - Completely Disagree.

The more transparency the better. Especially when it comes to billing

Its easy to make a gfy post saying XYZ blah blah...

Its good that XYZ can then give their side of the story...

[alias]

Originally Posted by Captain Kawaii

Swurve, I find the payments have sometimes hit my account before settlement date. Hope that helps...

That is "SwirlsGirl" not Swurve, looks like the branding is working though. =]

[Brujah]

Originally Posted by Zombaio_Tomas

It's very simple.

Yesterday you had 11.4% today you are at 44.57% in chargebacks. You were also today placed in the counterfeit program. Your account is closed and under investigation, and it is currently looking very strange with about 200 transactions from the same BIN.

It's a bit ironic when everyone thinks we are the bad guys just trying to protect our portfolio. But we don't care what you think, we will protect the good clients in our portfolio with all means.

Now, seXXXhub, I do not call you a fraudster or anything, Im just saying your account looks very very strange and you brought this up!

Normally I would not discuss this over a board, but you started, let's do this now.

Check with your attorneys regarding privacy laws, and with VISA / MC and TrustWave about sharing processing data. I just wish seXXXhub could afford to teach you a lesson, but he probably can't.

[Zombaio_Tomas]

Originally Posted by Konda

It's very simple.

If you're system doesn't raise a flag when a processing customer sends an unusual amount of his transactions from the same BIN and you allow him to continue to keep sending transactions from this same BIN for nearly 200 transactions something is VERY wrong with your fraud management. That should have been caught much much sooner!

Oh trust me, our system has flagged this. That is why we are investigating this.

Now we are not discussing this case further over the boards. I just wanted to respond to the unfair aggressiveness against Zombaio some of you have. Please process transactions with our competitors if you don't like Zombaio for some reason, that is totally up to you. If you like it, and care about your CB levels and customers, we are absolutely the best choice for you both technology and price wise.

We are on the boards from time to time as a service to you customers as part from our normal communication channels, but this is NOT our support board. You have to submit tickets, call or live chat if you want answers and details regarding any issue you should have.

[Emil]

Originally Posted by TheDA

Extremely unprofessional. You should not be discussing details.

seXXXhub seems to talk bullshit, of course Zombaio should knock him down.

[Emil]

Why would Zombaio close down a account that otherwise make them money? It doesn't make since right.

seXXXhub is a lying piece of shit. I can tell from his low postcount!

[Captain Kawaii]

Originally Posted by alias

That is "SwirlsGirl" not Swurve, looks like the branding is working though. =]

You are very right...great name...

[Zombaio_Tomas]

Originally Posted by TheDA

Extremely unprofessional. You should not be discussing details.

Yes, agree, this is normally not something we would do (as stated in the response) but we cannot just answer like a robot on a bash like this. Some of the largest "Zombaio Haters" on this board are guys previously being closed because of extremly high fraud levels, and I am talking about 50%+. Then they sign up for a new account, with fake KYC documents, new emails, phones, url's etc and start process again. (talking in general, not pointing out anyone)

If this helps us get rid of them for a bit of badwill, it is worth it.

A lot has happend in the billing industry the last year. During august 2010 the PSD was legally introduced in most countries in EU. And Visa and MasterCard are alert and sending fines for almost anything to the high risk acquirers.

There is only a hand full of adult acquirers and two of them recently stated that they are pulling out from the adult industry. This, together with PSD makes it even more important than before to manage our portfolio, closing merchants that are not playing by the regulations and keeping it clean.

We are scared to be in the position when there is no acquirers willing to process transactions for this industry. Or only one setting the price like the telecom companies did with premium sms billing.

I will tell you another thing, we can be open with this because it is cleared and over now and we have systems in place now to detect this. But this is what we and our competitors fight against every day.

A couple of months ago we had an affiliate and merchant setup that opened up an IPSP processing under us because of our low rates. He had a 4.9% processing ratio from us and charged 20% to the sub-sub-sub merchant. Now the problem here was many...first this is agains the regulations to aggregate funds this way, both Visa and MasterCard regulations but also against the law in many countries if you are not regulated.

So you can just imagine what kind of sites pay a "fourth-party processor" 20% for processing. Exactly how he did is nothing I will bring up here but the problem was that we were sure that his was good traffic, we could not see the sites behind first, but one day we did after going over the portfolio.

The cost (and badwill towards the financial industry) for this was enormous and after that we are maybe a bit extra hard judging clients.

Most of all merchants are good merchants trying/or making a good living, they care about their products and their members. But then there are the 1% that does everything to figure out a way to fraud and go around the system, they don't care about nothing but them self and are also screaming highest.

Now I will end with two statements:

1) Not everyone screaming to us at the boards are old bad clients. That is of course not the way, but some of them are.

2) Placing a thread on GFY will never help your case. Your account looks exactly the same for our risk department who are the ones investigating accounts.

I wish the 1% people that are very innovative finding solutions, focus that in the "right" way , then they could make a lot of money!

(I am not talking about any specific merchants or clients in the post above, it is in general)

[adultzone]

banging credit cards?

[lagcam]

Originally Posted by TheDA

Extremely unprofessional. You should not be discussing details.

Originally Posted by Brujah

Check with your attorneys regarding privacy laws, and with VISA / MC and TrustWave about sharing processing data. I just wish seXXXhub could afford to teach you a lesson, but he probably can't.

Wrong. They have not discussed any identifiable data, not even the site, and the OP brought this to the boards not them, so I believe they have a right to defend themselves.

I am guessing neither of you two process with Zombaio? If you did you would appreciate the generally low chargeback rates that proper merchants enjoy with Zombaio.

I really am amazed at why people automatically align themselves with somebody who does nothing to validate either themselves, their site, or their side of the story and has offered no immediately determinable business reputation or credentials JUST because they make a thread involving everybody (who doesn't process with Zombaio's) current favorite target.

I just don't get it.

[Brujah]

Originally Posted by lagcam

Wrong. They have not discussed any identifiable data, not even the site, and the OP brought this to the boards not them, so I believe they have a right to defend themselves.

I am guessing neither of you two process with Zombaio? If you did you would appreciate the generally low chargeback rates that proper merchants enjoy with Zombaio.

I really am amazed at why people automatically align themselves with somebody who does nothing to validate either themselves, their site, or their side of the story and has offered no immediately determinable business reputation or credentials JUST because they make a thread involving everybody (who doesn't process with Zombaio's) current favorite target.

I just don't get it.

This has absolutely nothing to do with the OP, and everything to do with Zombaoi's unprofessional response. They should take a clue from ccBill. You don't see them here participating in trash talk about their clients.

[Sin_Vraal]

I too have had some negative experience with Zombaio. and no, I dont have problems processing, and YES my chargebacks are BELOW 2%.

If you are gonna go 3rd party, trust ONLY CCbill. even if you have some issues, they are usually willing to work shit equitably with you.

if you have the ability to do your own processing, and dont mind the work, GET YOUR OWN MIDS.

Everyone else will lie to you and tell you that you had "50% cb rate" (which btw is horse shit, the worst database bangers I've ever seen cant get it over 20-25%), and then they will "keep" your money until all the cbs are cleared (which is english for 'until you forget about the money we stole from u')

[TheSquealer]

Originally Posted by Zombaio_Tomas

Oh trust me, our system has flagged this. That is why we are investigating this.

Now we are not discussing this case further over the boards. I just wanted to respond to the unfair aggressiveness against Zombaio some of you have. Please process transactions with our competitors if you don't like Zombaio for some reason, that is totally up to you. If you like it, and care about your CB levels and customers, we are absolutely the best choice for you both technology and price wise.

We are on the boards from time to time as a service to you customers as part from our normal communication channels, but this is NOT our support board. You have to submit tickets, call or live chat if you want answers and details regarding any issue you should have.

Peoples replies to you are a reflection of your own behavior/policies etc.

That's pretty obvious. It's like walking down the street and being defensive that everyone is treating you unfairly but never wondering why that is when its not happening to everyone else.

Plain and simple, you are unprofessional. You guys have been since day 1. Just like your replies here. It doesn't matter why you think its ok to be unprofessional or what rationalizations you have for it. Its a reflection of your attitudes and how you want to do business.

Telling everyone how tough it is to process for adult over and over again just makes it sound like you are on your way out of business.

You guys have always needed a PR guy.

[Barefootsies]

I have to wonder what people who have all of these problems with their processors are doing to be in the situation to begin with? The only real problems I have had are when a processor goes out of business over the years. Beyond that, rarely any issue.

I have been doing membership sites, and working with different third party processors for the better part of a decade. I have worked with CCBill, Verotel, Zombaio, among others now out of business. I have NEVER once been over 1% on charge backs (AND refunds) over the course of an entire year on any site. That includes celebrity site(s).

While I am not implying the O.P. or others are always doing something shady because they have some processor issue. It makes me wonder 'what' exactly they are doing, or selling, to have these issues in the first place....

[Sin_Vraal]

Originally Posted by TheSquealer

Peoples replies to you are a reflection of your own behavior/policies etc.



Telling everyone how tough it is to process for adult over and over again just makes it sound like you are on your way out of business.

[Sin_Vraal]

Originally Posted by Barefootsies

I have to wonder what people who have all of these problems with their processors are doing to be in the situation to begin with? The only real problems I have had are when a processor goes out of business over the years. Beyond that, rarely any issue.

I have been doing membership sites, and working with different third party processors for the better part of a decade. I have worked with CCBill, Verotel, Zombaio, among others now out of business. I have NEVER once been over 1% on charge backs (AND refunds) over the course of an entire year on any site. That includes celebrity site(s).

While I am not implying the O.P. or others are always doing something shady because they have some processor issue. It makes me wonder 'what' exactly they are doing, or selling, to have these issues in the first place....

Ya, honestly I dont know either. I do my own processing, i sit in the 1-2% range, and I wont even begin to say I have the cleanest of traffic.

I stopped using 3rd parties altogether since there was always some excuse to try and steal my cash (except ccbill it seems)

I'm guessing its the usual chatter / crosses / database bangin...

[ladida]

Lol at people bashing thomas. Yea, sexxxhub can make a thread stating how zombio is in problems and costing zombaio big bucks this way because he's hurting their rep, and thomas can't defend himself because it's "unprofessional"? Get a clue. Fucking morons all together. I'd rather have a processor be there to answer the bashing with facts then have them say stupid shit like "this is not our support board" and let rumors fly around. It's why most of the shit is happening in the industry anyway, because noone mentions anything in public untill it's too late.

Good work Thomas.

[ladida]

Originally Posted by TheSquealer

Telling everyone how tough it is to process for adult over and over again just makes it sound like you are on your way out of business.

How people try to spin things is insane. Are you dumb and you read into his story like this? How do you people manage to get dressed in morning and not run under a car is beyond me.
The story was just that, a story to explain how they are diligent in tracking fraud and what types of fraud exist, not that "oh oh, its so tough, please have mercy on us".

[JustJ]

The only problem I ever had with Zombaio was when they had their rebill decline issues. I still feel cheated at the sales I lost, but oh well.. It's working perfect now!

[seXXXhub]

I never pointed that Zombaio is bad, and i dont want them to look bad, im just saying that they have some problems with their dashboard, not updating and showing correct info.

ps : zombaio always paid on time and live support was always helpful

[TheSquealer]

Originally Posted by ladida

How people try to spin things is insane. Are you dumb and you read into his story like this? How do you people manage to get dressed in morning and not run under a car is beyond me.
The story was just that, a story to explain how they are diligent in tracking fraud and what types of fraud exist, not that "oh oh, its so tough, please have mercy on us".

You don't need to be rude and defensive to a customer in FRONT OF AN AUDIENCE OF POTENTIAL CUSTOMERS to "explain" anything.

Everyone understands the risks of processing for adult. Anyone who has been around for enough years has seen 20 Zombio's come and go (usually with peoples money) even during the best of times.

Their basic introduction to the industry was a clusterfuck showing how totally clueless and amateurish they are. KimmyKim pretty much put them in their place and their behavior got them laughed off the board until they bought a skin and tried to stage a comeback.

It's not "spin" - its commentary from someone who diligently pays attention and someone who has been around since the late 90's watching the IPSP's come and go as they are being praised by hoards of idiots who remain in denial until their emails are bouncing, their phones are off and their office is empty.

[Barefootsies]

Originally Posted by TheSquealer

Their basic introduction to the industry was a clusterfuck showing how totally clueless and amateurish they are. KimmyKim pretty much put them in their place and their behavior got them laughed off the board until they bought a skin and tried to stage a comeback.

I find remarks like this entertaining.

In the end, it did not matter your 'perception'. They managed to come out guns blazing and get a ton of the industry signing up to use them. With plenty singing their praises over the past two years.

Like many others before them, they have had a hiccup along the way. There have been other companies both bigger and smaller that have had similar issues, made "unprofessional remarks", and I am sure there are plenty you still do business with today.

[TheSquealer]

Originally Posted by Barefootsies

I find remarks like this entertaining.

In the end, it did not matter your 'perception'. They managed to come out guns blazing and get a ton of the industry signing up to use them. With plenty singing their praises over the past two years.

"Ton of the industry signing up to use them"
And you think my remarks are entertaining? I think you are fabricating facts.

Guns blazing? They came out like a bunch of pompous assholes who could barely answer any detailed questions about their own biz and merchant processing. Just like every other company where the warnings signs were there from the beginning and continued along the way. And like in all those cases, the usual morons are there talking about how this time its different.

Bottom line... you are trusting someone with your money. The lifeblood of your business. You would close your bank accounts with your bank if they were acting like cunts and acting unprofessional, but in porn, everyone has to the do opposite of good business sense so those people can thrive until they implode under the weight of their own incompetence.

[Brujah]

Squealer, some of these guys couldn't get their sites accepted with the other processors so they have the perception that Zombaio came out with "guns blazing" and "tons of the industry" were signing up with them.

[Barefootsies]

Originally Posted by Brujah

Squealer, some of these guys couldn't get their sites accepted with the other processors so they have the perception that Zombaio came out with "guns blazing" and "tons of the industry" were signing up with them.

Yet some of us still have our own merchant account's.

Thanks for the laughs affiliate piss ant.

[Zombaio_Tomas]

Originally Posted by TheSquealer

"Ton of the industry signing up to use them"
And you think my remarks are entertaining? I think you are fabricating facts.

I thing we have done pretty good in 3,5 years.

This is our current stats (nothing to hide)

1582 Active accounts (live)
2264 Total (2 new today)

3874 Sites in system
1767 Processing sites (active and live)

It is maybe not "Ton of the industry" but we se ourselves as an important player in this business, and are growing every day.

[Barefootsies]

Originally Posted by Zombaio_Tomas

It is maybe not "Ton of the industry" but we se ourselves as an important player in this business, and are growing every day.

[Agent 488]

not professional for employees to post drunk.

[TheDA]

To the fucking idiots that can't read or don't comprehend:

seXXXhub made a post. I don't see him bashing Zombaio in it. He laid out things as he saw it and was querying it. His intentions with what he was trying to say in his posy are only known to him.

Next up Tomas is in the thread posting what I would consider personal and confidential information about one of their clients whilst it is still under investigation.

We all have our opinions and I still think it was an extremely unprofessional response.

[Zombaio_Tomas]

Originally Posted by TheDA

We all have our opinions and I still think it was an extremely unprofessional response.

Yes, agree, I would think that too if I did not have the whole story behind the GFY post.

Now, if seXXXhub needs further information, please respond to the open ticket or call our support center. This is NOT our support forum.

[Zombaio_Tomas]

Originally Posted by TheSquealer

You guys have always needed a PR guy.

Yes, I am not a PR guy, my background is in acquiring and banking.

If you know any good PR guy, used to this specific industry, feel free to give him/her my details.

[TheSquealer]

Originally Posted by Zombaio_Tomas

Yes, I am not a PR guy, my background is in acquiring and banking.

If you know any good PR guy, used to this specific industry, feel free to give him/her my details.

Call me dumb, but as a serious business person, i don't let random people come stand up in front of the industries i'm and represent me, my company and my products and services poorly. Thats not how a serious, professional business operates. Thats not even how the most dysfunctional porn companies operate.

And I know who you are, you are the one who had such a hard time answering direct questions from KimmyKim about acquiring and banking.