$750 Visa Fee (Question)

[NickDavis]

With this new Zombaio popping up and claiming they don't charge the $750 Visa fee, it brings to mind a question of: Who is charging this Visa Fee everywhere else? With CCBill, to accept Visa you need to pay the $750 (it was the same with iBill back in the day)... Is this the billing company charging it, or Visa? Because if it's not Visa charging it then I would rather use a processor like Zombaio where I don't have to pay it.

Anyone from CCBill care to comment?

I mean.... Zombaio is no $750 Visa fee, only 5% processing fee and 0% reserve... CCBill charges the $750 Visa fee, like 15% processing fee, and a 5% reserve (I believe). I've got a CCBill account with Visa waiting in Limbo because I don't want to pay the $750 Visa fee until I need to... but if I don't have to pay it at all, AND get a 5% processing rate... then why would I keep my CCBill account?

[tony286]

because they are very solid with a long record.

[Sly]

It's Visa. Does this Zombaio offer all of the same tools that you see with Epoch and CCBill?

[NickDavis]

because they are very solid with a long record.

Agreed. But sometimes that's not enough.... every solid long record company had to start somewhere (where zombaio is today perhaps?) and while that does make it a risk to not use ccbill, it also means theres a chance that they could turn into a ccbill and thus going with then now is the right choice...

[NickDavis]

It's Visa. Does this Zombaio offer all of the same tools that you see with Epoch and CCBill?

If it's Visa charging it, does that mean Zimbaio is actually paying Visa the $750 for each client?

From the looks of their website, they offer more....
https://www.zombaio.com/features.asp

[junction]

GloBill didn't charge the $750 either.

[BFT3K]

CCBill offers webmasters a great affiliate system, that is very credible and trusted by the industry.

I've been offering CCBill (without Visa) and Verotel (with free Visa) for a while now, but as of next month I hope to launch my first affiliate program, so I will finally have to pay CCBill $750 as well.

Verotel may offer some sort of affiliate program, but everyone seems to agree that the CCBill affiliate program is the best way to get started, and then maybe upgrade over time if needed.

[Zombaio_Tomas]

...Who is charging this Visa Fee everywhere else?....

It's the acquirer that charge the fees from the IPSP to cover the cost for adding the site to G2 monitoring programs (scan for child abuse etc). If the business case with the IPSP or Merchant is good enough for the acquirer, they can choose to not charge the fee.

Zombaio does NOT charge this fee.

[Barefootsies]

$750.00 fee is charged mainly for companies, with merchant banks based in the U.S..

If you have merchant banks overseas, then MC is actually the one that is charged instead of VISA. However, Verotel's TC does not have the VISA fee either. Neither does BHE.

I am trying to remember the explanations as to WHY they did not have the fee, and I want to say it had something to do with who controlled the domain. i.e... Verotel/BHE had some censorship, control, or something along those lines when it came to the site and editorial power.

I'll have to think on it for the explanation given. But I know when I was shopping merchant accounts, in E.U. the MC was the card that had the charge instead of VISA. When I looked at U.S. based banks, it was vise versa.

[Barefootsies]

Agreed. But sometimes that's not enough.... every solid long record company had to start somewhere (where zombaio is today perhaps?) and while that does make it a risk to not use ccbill, it also means theres a chance that they could turn into a ccbill and thus going with then now is the right choice...

Nigga please.

Howie and PayMonde had a decent record as well in this industry. In the end, they went out of business. Kept plenty of our money, were associated with child porn, and many other things that came out after the fact.

However, prior to that, they were top notch, A+, stand up guys.

[spacedog]

Verotel don't charge for Visa either for their ticket thing.. forget what it's called

[JaneB]

I personally like Verotel. They are a great company and I have never had one problem with them. I am adding CCBIll to my website as a secondary processor.

[Zombaio_Tomas]

PayMonde had a decent record as well in this industry......

We have been an IPSP for 5 years, in adult business over 1 year without a single misstake. I can't really understand why we are compared with PayMonde and iBill all the time...

[SilentKnight]

I personally like Verotel. They are a great company and I have never had one problem with them. I am adding CCBIll to my website as a secondary processor.

Likewise, we've been with Verotel quite a few years and have had zero problems with them.

[BFT3K]

I personally like Verotel. They are a great company and I have never had one problem with them. I am adding CCBIll to my website as a secondary processor.

I agree, Verotel is great.

When it comes to a credible affiliate program however, CCBill seems to offer the most comprehensive set of tools and services.

[BFT3K]

We have been an IPSP for 5 years, in adult business over 1 year without a single misstake. I can't really understand why we are compared with PayMonde and iBill all the time...

Do you offer an affiliate program?

If so, can we have a link to more info about your program?

[Zombaio_Tomas]

Do you offer an affiliate program?

If so, can we have a link to more info about your program?

https://www.zombaio.com/services_affiliate_system.asp

The affiliate system is just a bi-product to the core product (processing). For larger merchants we recommend NATS or MPA3.

[JaneB]

I agree, Verotel is great.

When it comes to a credible affiliate program however, CCBill seems to offer the most comprehensive set of tools and services.

I heard Epoch has a good affiliate program too. I was looking at Epoch's site earlier and it was pretty good. They even have a shopping cart that you can use for your store if you have one.

[BFT3K]

I heard Epoch has a good affiliate program too. I was looking at Epoch's site earlier and it was pretty good. They even have a shopping cart that you can use for your store if you have one.

Didn't Epoch use to be PayCom or something?

Did CCBill buy them out, or just merge with them somehow?

I know they allow cascade billing between themselves now, but I'm not certain what the benefit of offering both processors would be. Plus then you would have to pay $1,500 (Visa application times two).

[kmanrox]

if i recall an old email with zombaio, their volume requirements are pretty hefty for small or new programs if I'm not confusing them with another company

[Zombaio_Tomas]

if i recall an old email with zombaio, their volume requirements are pretty hefty for small or new programs if I'm not confusing them with another company

We have no volume requirements

[DamageX]

We have been an IPSP for 5 years, in adult business over 1 year without a single misstake. I can't really understand why we are compared with PayMonde and iBill all the time...

iBill had a much longer track record than you do, when the shit hit the fan with them.

if i recall an old email with zombaio, their volume requirements are pretty hefty for small or new programs if I'm not confusing them with another company

You might be thinking of Netbilling.

[Bama]

Do you guys do the site setup in the system for us or do we have to do it by hand

180 paysites - I ain't doing it!

[AmeliaG]

Didn't Epoch use to be PayCom or something?

Did CCBill buy them out, or just merge with them somehow?

I know they allow cascade billing between themselves now, but I'm not certain what the benefit of offering both processors would be. Plus then you would have to pay $1,500 (Visa application times two).

The benefit of cascading is that sometimes one processor will not approve a sale which the other one will. Another benefit to having multiple processors is not having all your eggs in one basket.

What would give you the idea that CCBill and Epoch had merged???

[jmcb420]

great thread, I often wonder about these things

[Barefootsies]

I agree, Verotel is great.

When it comes to a credible affiliate program however, CCBill seems to offer the most comprehensive set of tools and services.

Agreed. Both statements.

[spacedog]

....
What would give you the idea that CCBill and Epoch had merged???

Maybe the poster is thinking about NATS aquisition of SegPay

[candyflip]

CCBill offers webmasters a great affiliate system, that is very credible and trusted by the industry.

They may be trusted and credible but their "affiliate system" sucks and they've been promising and upgrade for who knows how long now.

For now, they're the most viable 3rd Party option, so we're stuck with 'em.

[Pete-KT]

Zombaio is no $750 Visa fee, only 5% processing fee and 0% reserve...

Because THAT right there makes you wonder how legit this company is who keeps spending a SHIT LOAD of money to skin and advertise on GFY but has yet to get any companies that i have heard of to use them

[Barefootsies]

Because THAT right there makes you wonder how legit this company is who keeps spending a SHIT LOAD of money to skin and advertise on GFY but has yet to get any companies that i have heard of to use them

[jcsike]

We have been an IPSP for 5 years, in adult business over 1 year without a single misstake. I can't really understand why we are compared with PayMonde and iBill all the time...

Whois record for zombaio.com created on May 28, 2007

[DamageX]

Because THAT right there makes you wonder how legit this company is who keeps spending a SHIT LOAD of money to skin and advertise on GFY but has yet to get any companies that i have heard of to use them

Probably because those companies you've heard of think the same way you do?

To put things in perspective, how many companies do you know who use Verotel for processing? Do you need the fingers of both hands to count them, or is one enough? Yet Verotel do a lot of business and are quite solid.

Sometimes the sheep mentality of this place truly amazes me...

[AaronM]

We have been an IPSP for 5 years, in adult business over 1 year without a single misstake. I can't really understand why we are compared with PayMonde and iBill all the time...

LOL.

You're fucking kidding...Right?

[StuartD]

I tend to go by the "if it's too good to be true" rationale.

I'm all for the new technology and new way of thinking... but when it comes to the bread and butter, I prefer the tried, tested and true.

[Pete-KT]

I tend to go by the "if it's too good to be true" rationale.

I'm all for the new technology and new way of thinking... but when it comes to the bread and butter, I prefer the tried, tested and true.

EXACTLY and everything from this COMPANY SAYS its to GOOD TO BE TRUE

Been screwed over by a billing company who seemed to promise the world JUST LIKE THESE guys to know not to trust ANYONE new who offers to GOOD TO BE TRUE deals

[Zombaio_Tomas]

EXACTLY and everything from this COMPANY SAYS its to GOOD TO BE TRUE

Been screwed over by a billing company who seemed to promise the world JUST LIKE THESE guys to know not to trust ANYONE new who offers to GOOD TO BE TRUE deals

What is to good?
You are so blinded by our competitors pricing that are way over a legitimate level. Our buy rate is below 2%, why can we not charge you 4.9%. Personally I thing it's a fair deal.

Whois record for zombaio.com created on May 28, 2007

Zombaio has been our Adult brand since the Launch October 2007

[Barefootsies]

Zombaio has been our Adult brand since the Launch October 2007

Interesting. Sounds about right for the time iMonde went under.

Howie hiding on your board, or employee roster somewhere?

[CyberAgeGary]

If any processor is based overseas, they arent required to collect the $750 visa fee from merchants. I know ClearCard.com doesnt require it either, and they have been billing for sites for over 8 years, and they are integrated in nats and mpa3 as well.

I think it's possible that Zombaio can offer these rates, and don't be surprised if you see some of these other companies dropping their rates now too because they have been high for too damm long....

[Barefootsies]

because they have been high for too damm long....

Agreed.

However, as long as there is fraud, chargebacks, cross sales, and other things that keep the back office work high. Do not expect them to drop rates anytime soon.

That is like saying, CCB will offer an ACH option soon because of the competition. They enjoy their $15 per pay check whack.

[BFT3K]

Bump for more fun!

[whatif_3]

lol good quote from this thread http://www.gofuckyourself.com/showthread.php?t=876172

Thank you very much for your opinion on our corporate strategy. I can assure that Glo-Bill is NOT misinformed about anything. We have across-the-board approval for our way of doing business under the current regime.

We will not divulge the full details on our strategies for obvious reasons. We will say that we saw the writiing on the wall many months ago and started taking proactive measures since then to protect our clients' businesses to the best of our ability. The bottom line: it is business as usual at Glo-Bill, meaning:

- No set-up fees
- No monthly or annual fees
- No reporting of your private information to any outside entity
- Websites from foreign countries welcome as always without special requirements
- No Big Brother style registration forms and no scrutiny of your website by other entities

GloBill.com ("GloBill") has ceased processing. The reasons will be explained in a settlement and explanatory package that will be sent to GloBill webmasters that follow the directions set forth below. All webmasters are strongly encouraged to participate in the process.


*** Please do NOT attempt to cash any checks that you currently hold for GloBill payouts because these checks will be returned NSF ***

[NickDavis]

Interesting. Sounds about right for the time iMonde went under.

Howie hiding on your board, or employee roster somewhere?

No, that was November 2006.... Trust me

Between this thread and the official Sticky Zombaio thread, I'm thinking too good to be true may be just that... is it really worth the risk? However, what is another billing company that will do...

a) Canadian Companies
b) Visa for Canada
c) No $750 Visa Fee

Can anyone say what other processors do those three things so that I can compare them to Zombaio before making a decision?

[Barefootsies]

is it really worth the risk?

[DamageX]

No, that was November 2006.... Trust me

Between this thread and the official Sticky Zombaio thread, I'm thinking too good to be true may be just that... is it really worth the risk? However, what is another billing company that will do...

a) Canadian Companies
b) Visa for Canada
c) No $750 Visa Fee

Can anyone say what other processors do those three things so that I can compare them to Zombaio before making a decision?

Verotel.

[NickDavis]

Is Verotel the only one?

[Barefootsies]

Verotel.

Exactamundo.

I've been using Verotel for almost 4 years now. No major issues.

[Phil]

does verotel accept us based program and still waves 750 visa fee?

[NickDavis]

Fuck.... Verotel is 14.5% to 16%... anyone know what their reserve is, it isnt mentioned on the site.

[Barefootsies]

does verotel accept us based program and still waves 750 visa fee?

They offer different solutions.

Last I knew, only TC option was waving the fee. Their PRO was $1500.00

[Barefootsies]

Fuck.... Verotel is 14.5% to 16%... anyone know what their reserve is, it isnt mentioned on the site.

That also varies based on volume, and which one of their solutions you pick.