Anyone ever use Zambaio Merchant Processing
 

I have a site with no chargebacks and am tired of giving CCbill 20% (is 15%+5%holdback reserve)
Zambaio has low % for adult sites does not come up anything bad anywhere, but I want to be sure, as some of you might remember when MVC (MyvirtualCard) went to Paymonde and ripped everyone off.

They pay on time and have very fast support.

Countrywide financial had a very interesting way of doing business, they told people with bad credit that they cannot lend them money at 5.5% but they will lend them at 7%, countrywide now is history, the lesson is if someone will screw you it dont matter how much % you charge them, obviously this is a reverse situation, % should be the last issue when selecting a third party biller and most billers will give you better rates based on volume.