Good question

Also one thought came to me about this fiasco.... if Zombaio wants to pass the buck and blame the bank for the mix up...(corrupted swift file) how about pressing them for contact info of the bank who is holding the funds, and lets place calls to the bank and verify "zombaio's account" of what happened.

Remember there are two sides to every story, and no one in the world of processing should be taken at their word for anything ever.... not at the rate we as merchants are getting burned every time you turn around....Ibill,paymonde,ecommerceglobal,epassport e,zombaio... and many others I am sure

demand the banks contact info, and lets verify the story? Sound plausible?

Don't tell me I should just trust his word either cause he seemed friendly at the avn expo or some silly shit.

They work for us, and none of us should let them forget it. Accept no B.S. from them, this is our livelihood and finances they are playing fast and loose with!

With all due respect...I don't think any bank in the world is going to take your call and give you any banking information at all about any client. If they did...I would drop that bank in an instant. But since I'm pretty sure it's illegal, I don't think they would.

I hear what you are saying, but even still, you don't think hundreds of calls to the bank without getting specific account info...the question could still be presented to the bank as follows.....

"Good day Madame/Sir are you aware of any type of Swift file corruption that would cause week long delays in funds being forwarded to their respective destinations"

Its a general question because I have been expecting to be paid by one of your account holders and I am being given a reason that I would just like some verification of....

Without getting specific is there any way a corrupted swift file could delay for at least a week.

The bank could respond and say yeah I can forsee a corrupted swift file causing delays as such...or they could say, not really a corrupted swift file is an easy fix and should not cause delays beyond 24 hours

Maybe you are right about them not being specific, but in america you are well within your right to question the god almighty bank / or company reps!

I know we are losing rights every day, but while you still have "limited" free speech, you should exercise it especially in a situation like this!

There is no crime in seeking more vivid understanding and seeking clarity when there are delayed transactions effecting your livelihood. Do not expect the bank or processing company to become sherlock holmes for you, you must do your own detective work

Anyone who half answers, or offers vague elusive answers to direct questions regarding your finances, is not interested in helping you get to the truth about whats causing your funds to be held up.

and by the way, has anyone from zombaio been paid this past friday going into the new year???

Not my adult colleagues who use Zombaio, I respectfully ask an employee of zombaio to come in and signify that they did not get paid on new years eve and are still waiting for their paycheck as well.

Either you did get paid as zombaio employees or you didn't and are waiting with baited breath like the rest of us

word :2 cents:

to be honest with you guys theres fuck all you can really do exept pull out the tactical nukes by the end of biz on the 7th if the payments dont arive as promised. Im a sceptic too...but wtf.... meanwhile.... Split your risk and hang in there for a week is all anyone can do at this unless you feel like a trip to Sweden with a moneybag. Keep bumping becuase if nothing else it will keep CCBill, Epoch and Co amused for a week.

On the other note the connnection errors seems like hardware load issues and probably the reason they are scrambling to upgrade right now. Plan ahead people plan ahead!.............

So no point in asking right, we should just take them at their word, and let it work itself out.

Good plan....maybe there is nothing to worry about.

Its normal and typical for payments to get delayed, reserves to be implemented,fees to be raised,sign up errors...all in one fell swoop.

"nah we don't need to ask no bank no stinking questions" its illegal to ask questions....LOL

Assuming that absolutely nothing is wrong other than what they've admitted to, they've still handled this very poorly. If you miss payments to your clients, you damn well need to be in touch with them, and not simply in response to a thread here.

Although they may benefit from it, I would hope that CCBill and Epoch aren't "amused" things like this make it harder not easier to operate in this space. Look at SwirGrl's legitimate rant. Is there anyone on here who has a good opinion of my industry sector? No.

It's not like that. The bank can't legally give out any information on it's clients. Would you want your bank to give out any info on you?

There is nobody to ask questions of. I've asked Zombaio what I wanted to know in the support section. I got the same answers as everyone else. Now it comes down to: They are either telling the truth and everyone will get paid...or they lied and we're all screwed.

It's gonna become clear within the next week. One way or another. And nothing you or I do or ask is gonna change what's already happened. We are just going to have to wait to find out. I hate it, but unless somebody here has magical powers...there's really nothing else to do.

man im not saying that

belive me if i coud take a look at their online banking i will but those are only wet dreams

reality is that if i call your bank asking for information of your savings account there is no way in hell that will provide me not even with your bank account number


they owe me so far over 85k and that number will grow tomorrow since my payouts were daily

but again their bank will never give us any type of information :2 cents:

Hey Charger I hear what you and Robbie are saying and you both are correct regarding discussing a clients personal account HOWEVER....what I am suggesting is that you present to the bank or any bank a hypothetical like could a corrupted swift file cause a week or more delay in funds, or is a corrupted swift file something that is a routine mishap that is normally corrected within a day?

Sure I would not expect my bank to discuss specifics about my account with anyone else, however what I meant to say was phrase as a general question without going into specific account details...

I think we all would be well within our right to take a minute and ask some random banks about some of these excuses we get routinely. Then and only then will we at least get a sense if they are being straight or if they have concocted a cover story

That is something that zombaio have to do

and that is the main reason why the people here are mad because they havent gave us any concrete dates of when are they sending the money out

or any solid prove from their bank about that corrupted file

I agree totally and would submit this for consideration as a possible explanation as to what is sort of handcuffing us as webmasters/producers/merchants....

Like Mobius Mike said...we will have to wait and see...but if you examine the history of situations like this past and present ibill-paymonde-ecommerce global-epassporte- no credit card-safe charge-I know there are more, they have almost never ended favorably for any of us.

Maybe thats why I generally have a zero tolerance policy with regard to processing companies.

In principle our relationship with them is much like that of a record company and recording artist.

I learned from The Musical Genius known as Prince years ago, how as an artist or producer, you need to be able to access and engage in commerce with your fans/consumers of your product without a middle man...ie record company or processing company.

Now this may get a little deep or disturbing but they are in fact parasites by definition. They cannot survive or exist without a host....being us webmasters,producers,merchants,artists

record companies are not artists and do not invent,create,or produce art. Processing companies do not produce,invent,or create erotica or porn.

However they both insert themselves between the consumers of art/music or porn/erotica at the point of sale transaction to act as money changers.

They collect and reap the profits from our hard production efforts and we cannot even verify if they are crediting us with all sales.

So whether we stand or fall, there existance is sort of fail safe because they have positioned themselves in the consumer/producer relationship and it ultimately requires us to charge more for our product, and pocket less of the revenue.

If and when this industry can come up with a way to remove them from the equation, and we can directly engage in commerce with our fans,consumers...us as merchants producers artists, and consumers will be much happier and less restricted.

Wires aren't rocket science. If the SWIFT file went unread due to corruption, the submitting bank should have known when they did not get a wire confirmation report back from the receiving bank. This shouldn't take more than one day to start coming in, two at the outside..

For international wires coming to the U.S. unless you bank with a major (B of A, Wells, et al) it is fairly likely that your local bank has a respondent relationship with one of the majors, in effect a forwarding order. So wires are sent on say Tuesday, the respondent major bank gets notification on Wednesday and clears the file either Wednesday intra-day or Thursday, so you should have your payment no later than Friday.

So lets assume that Zombaio's bank issued wires with corrupt SWIFT on Tuesday. On Wednesday they have no confirmations from the receiving banks. By Wednesday close of business they should have a handle on what happened. So let's say they miss their wire window for Wednesday and send Thursday. By Monday or Tuesday with the corrected file submit, wires should start hitting respondent banks and by Tuesday Wednesday they should reach their final destinations.

So my baker is a parasite because he puts himself between me, the bread eater, and the honest peasant who produces flour?

In an economy mostly based on commerce and services, you could label anyone as a parasite, by following this logic...

(note that I am not affiliated with any payment processor, just stating an fact of life and economy)

I may be new, so pardon the question if it lacks understanding, but why is there not a non-profit adult webmaster/affiliate member organization that could direct the operation a payment processor for industry members as a whole? Members could enforce rules and standards, save a bundle on fees, and it could all be transparent.

In Soviet Russia, payment processor pay you for pleasure of processing!

On a serious note, you'd have a hard time finding skilled people willing to invest time, energy, capital, etc. on such a "non-profit" project for the adult industry....

If I ran Zombaio and this happened I'd be at the bank with all my papers in hand, doing each wire manually if I had to.

When there is a problem you don't blame it on someone else, you take care of the problem - end of story. If Zombaio can't pay their people and they are saying anything other than the payment was sent out TODAY via 1 day mail or we wired the payment TODAY here is your transaction number then it means they don't have the money. Simple as that.

We saw it with ePassporte, if they have the money then they will pay before they tarnish their name. Tarnishing your name as a business is the last resort and bigger companies pay millions to keep people from complaining about their product publicly just so the name of the company is upheld, and sometimes those people don't even deserve to get the money they get for keeping quiet.

These people are all owed money, it is Zombaio who is responsible, no banks no one else nothing else like that, Zombaio.

We just went through this with ePassporte blaming the bank. Who was the first one to send money out when people asked for it? The bank. Because they would rather pay the money than have their name tarnished.

Fuck me it looks like this whole 'run a payment processor, take all the money, blame it on the bank and retire' operation is pretty lucrative around here. Mallick is sitting on some warm beach right now no doubt with everyone's money, and obviously the people who own Zombaio couldn't be bothered to get off their asses and are probably somewhere nice and warm, enjoying your money.

Well said!:thumbsup

Correct me if I'm wrong..but isn't that statement complete bullshit? :)
I've read right here on GFY that everybody GOT their money. Mallick doesn't have any of it. The St. Kitts Bank had it and got the funds to everyone. Or is there still anybody left who didn't get their money?
So to say that Mallick took everybodies money is not true.

Now IBill...that was a whole different situation. But Epass? I think everybody got paid all the funds in their accounts by the bank.

I wish it were that simple.... a baker would not in my opinion be a parasite because he in fact produces a product...ie baked goods for a consumer

Also you would expect a baker to be able to collect the payment from his consumers or customers at a "point of sale transaction" for his/her self.....

HOWEVER

If the baker could not collect payment directly from his customer, and had to rely upon a "3rd party cashier company to collect his funds from his baked goods, then hold his funds for a few weeks, then collect their fees for collecting funds...that makes that company a parasite.

Welcome to the board but that was not such a good analogy when we are talking about "money changers" as parasites hope you see the relevance

think practically and critically about the concept of us merchants paying someone a hefty fee to "count, collect,and disperse our funds to us..when they by concept should be no where in the equation.

there are producers of goods, and consumers of goods, if we are the producers, and the customers want our goods, wouldn't it be prudent to develope a method of collecting and VERIFYING OUR OWN SALES without having to "trust" and believe what we see as credited sales inside of admin?

See if you understand banking, and think like a banker...it really is a complex con.

Throughout history banks have single handedly ruined nations and countries. By concept they place them selves in a win win position.

thats why the most profund statement ever made by the worlds most notorious banker was in fact this....

"give me control over a nations money, and I care not who governs its affairs"

Now translate that into the realm of online credit card processing...

Give me and my company complete control over collecting funds and we don't care what kind of site, what kind of niche, what kind of customers....just let us collect the money for you and charge you 15-20%.

Oh and if thats not enough...we will tell you how many sales you did today, as opposed to offering you real time access to your surfers actions while they are on our servers!

Seriously we are going to have to re examine this set up, or we will go round and round with these processing companies taking pages out of each others play books taking our money and disappearing into the darkness never to be seen or heard from again.

It will not end on its own.

Remember do not think like the semi honest or honest webmaster you are...try thinking like a banker....

when you think like a banker you try and figure out ways to turn that 4.9% processing rate into 10.5%

Then 10.5% into 15%

Now lets see if we can skim 5% for reserve, hmmm... maybe write a little skip/shave function in the code and skim off another 5%

Absolute power corrupts absolutely and trust its no different when those are entrutsted with collecting your funds with little to no oversight or accountability....

what do we expect to happen over and over again??

SwirlsGirl you have to remember....there is NO WAY in hell that banks are ever going to let a merchant process a credit card.

They don't let mainstream do it. And they will NEVER let a porn site do it. My God....just think of the crooks that would come out of the woodwork to steal from people if everybody could suddenly just process credit cards without a merchant account.

We will never be able to just take a persons credit card info and have it in our possession to charge them. It would be insane and I surely wouldn't want to let somebody have my info and the ability to take my money like that.

I'm afraid that you're going to have to understand that "Money Changers" (is that a biblical reference?) are something that is needed.

The Visa money was returned to everyone but as far as I know there is tons of people with money left in ePassporte that can't get it out (I'm one of them). ePassporte money = stolen visa money = retrieved.

I suppose... but could organzie that processor as an independent entity with external banking types, and the thought of millions of dollars in savings may be enough of a motivating factor...and I'd imagine there might even be a little more effort at reducing chargebacks Sort of like group insurance. Webmasters and affiliates etc/ could choose to participate, or not and get their own IPSP.

And as far as having individual members processs their own charges? No way, would have to build safeguards into it....would have to check to make it is set up properly, is allowed by regulations, etc of course.

So, yeah, a lot of work at a way to address a recurring problem.

All will be revealed this week

I didn't know that. I got all of my money. And I thought from what I had read that everyone else had too.

Why hasn't the bank given it to you? I'd get a lawyer on that if I were you.

Yes, lets bombard their bank with complaints so that the bank cancels Zombaio's account. Talk about a self fulfilling prophecy. lol

The way I understood it is.. people who had their funds in the virtual visa got their money. People who had funds in their epass wallet got fucked.

I dunno. I got ALL my money from both. I thought I read other people saying the same thing on here. That the St. Kitts Bank had the money and had complete control over it. That's what I understood.

But hell, the way GFY runs...who knows what the truth is? lol

I haven't heard of anyone receiving their wallet money. People are still owed millions of dollars. The only money that was released was the visa money, because that was with st kitts. The walllet money is still not paid out to anyone.

Meh it was only $500 that I lost, nothing to fret about it's just the idea that some guy took my money and might be using it to get a bj or something doesn't sit right with me.

Damn, I didn't know that. No wonder everybody wants to beat the shit out of the guy.

exactly my point. re-running the 14 day swift in bulk is a joke

I am walking away from Zombaio and have never been happier!!!! Affiliates HATE Zombaio and my sales were dismal with them! As soon as I switched over to CCBill a FLOOD of new business continues to pour in every day as if the dam gates were opened at last! What prompted me to leave Zombaio? Simple really, lack of customer service! I have had a support request submitted since December 19, 2010... here is it now January 3, 2011 and NOT ONE WORD from Zombaio! Amateurs! Add to the fact that my "NEXT PAY DATE" is still listed as "Next payout date 2010-12-03" makes me roll on the floor laughing! I have 5 faithful rebills left on Zombaio... I have at this point an interest in sending an email to that last remaining 5 informing them that I am manually canceling their memberships, and throwing them a free month with the hopes that once their free month lapses they will again sign up only through my CCBill account JUST so I can finally be rid of Zombaio.

Dear Customer,

As 2011 stays in front of the door, I would like to take a moment to thank each of you for your patience, understanding, and support during Decembers payout delays and service disruption.

We know how important payments on time are and we take any disruption to our service very seriously. We are pleased to confirm that the service is back to normal and all late payments are confirmed on-route.

As a valued customer of Zombaio, we would like to offer you a sincere apology and will credit the payment fee of $10 or ?6 per late payment to your account during January.

Thank you for allowing us at Zombaio to be a part of your business. We hope your holidays and the New Year was a time of joy, peace, and health for you and your family.

Kind regards,

Tomas Anderson
Vice President
Zombaio

^^ I wonder why they continue to refuse to give us specific dates of when our money will be sent.......

Who says I have been patient and understanding while you have received MY FUNDS FROM MY CUSTOMERS AND HAVE NOT PAID ME< NOR HAVE YOU GIVEN ME A DATE WHEN I CAN EXPECT MY WIRE?

Furthermore why can't I open the payout pdfs inside of admin all of a sudden?


I was expecting my jan 3 wire and it does not help my moonday morning blues to not have My money that you took from my customers almost 3 weeks ago!

Where is my money?? And F U all day every day until you tell me exactly where it is, and exactly when I can expect it.

F U
F U
F U
F U

thats my position anyway.

I take it hyper personally because these things ultimately effect the family I provide for, let me ask you THOMAS do you have a family, and when was your last paycheck from zombaio???

You won't dare answer that you coward!

Screw that, I even had the nerve to wake up to a zombaio sale!

Without a date confirmed, I pull links today, and am heavily considering some "other" actions as well!!!!!

No date...No Join button.

I learned my lesson the hard way by not taking down join buttons when there was the first delay with payouts, they are stalling and will try to suck as much out of you before they fold.

This is exactly how these things end!

i have the same question why its so hard for em to come with a date of when the wires will be sent out

I just checked and they open fine for me.

NAh not really, just ask a random hypothetical about how a "corrupt swift file" could cause a week or more delay in wire transfers.

Then you will have heard it from the horses mouth an not zombaios.

At least then you will know that your intelligence is being insulted by the processor you have hired to collect your funds.

Once your intelligence is proven to be insulted, then we have a trust or confidence issue and a prudent decision can be made on whether you use them anymore.

In fact let me just do that now and call my bank and float the idea past them about what type of delay can be expected from a "corrupted swift file"

Will report back asap

well they say that the money must be in our account before the 6th

SwirlsGirl, please do.

Ask if a swift file containing 14 days payments (batch) that has invalid header data will process or be rejected. Ask, if this happends during a holyday, will someone notify the sending company same day or next workday. Also ask if the new file (when generated) will go over the day or over normal swift banking days.

I honestly understand that you are upset, but please see the fact that we are running a few days behind and you will see the payments this week.