I believe tomas.
Tomas hit me up on icq, i have something to discuss with you in private (not about trolling or payments or alike).

so a person concerned with you not being able to pay when his payment is due because of the current problems and wanting it now before you possible go out of biz is a troll ?

also a potential customer who is doing due dillegence, / commenting on the current affairs is a troll ??

really ?

Usually when my payments were en route, they showed up on my online banking system. We even got payments days earlier than the ZOA said, so it's disheartening that it takes this long for wires and that we still have to pay part of the fees. This was holiday money, and making people pay for their late payments is ridiculous.

I didn't see him call anybody a troll. What he said is he would answer all questions with the exception of trolling questions.

That isn't calling his customers trolls. That's YOU trolling. lol

re read this thread and his replies, he accuses people wanting their money of trolling . bad idea imho

You dont have to pay that fee, I sent out a PM yesterday about that we are crediting the fee for all late payments.

I was sent a message about a $10 credit for the fee, wires cost us $15 per wire. At this point, as long as we get our money I don't give a shit what the fee is.

http://img214.imageshack.us/img214/7...ocopyright.jpg
Zombaio Payment Services, Ltd. IOMS AB and Cawen Financial Group

What is this Cawen Financial Group?
http://www.ratsit.se/5568202245

It was founded on September 20, 2010.
Hm, what was the topic on everyone's lips that month?

And why does this info appear at the bottom of Zombaio join pages?
WHERE IS OUR MONEY?

If the late payments was the only issue I would be more relaxed, but there is also the issue of adding the 5% reserve for funding RedPass, the retroactive rate increase, the strange Rommel fraud case from August (chargeback fees charged TWICE per transaction, and the cardholder was not a client of the cardholder's bank? :warning )
Did the chargeback ever occur, or was it invented by Zombaoi? Either the cardholder's bank is lying, or Zombaio is. Who is it?

I really liked Zombaio before, it was an awesome product, very userfriendly and inituive software and support had always been very helpful. I would not hesitate for a moment to recommend you guys to anyone asking.
But I can not let you simply bait and switch now, and run with my money.

Normal business hours in Sweden start in 12 hours. I am only 20 km away from speaking with Swedish authorities. Please act today, or I do tomorrow.

Are you going to start giving some REAL ANSWERS and some REAL APOLOGIES instead of this bullshitting?

Tomas, Martin, David, John and Jesper, I am being very patient. At least for 12 more hours...

No more games!

Cawen Financial Group (which was founded 2010) is a part of a new platform (whish was announced via mail to all clients) and owns Samport (http://www.ratsit.se/5566215215) who ownes Zombaio LLC.

IOMS is a MSP for Zombaio (outsourced partner) and has been for a couple of years, this will change now when we release redpass and Cawen will be the financial institution.

Don't call us criminals when we are not! Payments are on route, you will se them this week, WHAT more can I say that will make you more confident?

Am I the only one who is confident that I will be paid?

It would be dandy if you could wait until after the 6th, before you make things worse.

I pulled my links days ago, but Zombaio has been nice about things, so I will most likely put them back up, once I am paid the missing wires.

No.
8 char

Zyber, please call your bank and verify the amount. If you are an EU merchant the incoming interpay department should be able to give you a state on the transfer via SWIFT.

Nope, I am with you 100%.

My bank has already notified me of the receipt of 6 x MT103 messages from Zombaio's bank (google them if you don't know what they are) and the funds are pending conversion and will be credited to my account today.

Sorry to not add to the drama.

about spending a week on paris?


fruit cake

If a single payment processor being 1-7 days late has thrown your entire company into turmoil,.. it's time for you to don the paper hat and make a career change.
:2 cents:

I'm looking forward to calling my bank when they open.

Getting the funds owed is step 1.

But what about the other issues?
That is 3, maybe 4 additional crimes which need to be solved if we are to put this "incident" to rest.

The lack of compensation for all this trouble is also an issue. The time, money and energy spent on chasing Zombaio to get the owed funds. Then comes the time used for information collection, stalking, preparation of evidence, planning escalation steps etc.

Fact is you have my money, and have changed the rules on-the-fly as you saw fit. I will keep fighting until I get all my money - also those mentioned in the quotation.

Play fair. So do I.

Remember it was Zombaio who decided to make these drastic changes with no notice. Not the merchants. :2 cents: What Zombaio did was not what we had agreed upon, neither in the contract.

I would really love to give you the benefit of doubt, but it is hard to ignore that Zombaio's owners have a shady documented past (papperslagret.se).

I just want my money. All of it.

This is not OK!! I understand that you are upset over late payments but you are in public calling the Zombaio owners criminal. Zombaios owners are not in any way affiliated with anything regarding this you bring up. You have found something about an employee from 2008 that are not even confirmed. See http://www.samport.com/about-us/samport-board

Now when it comes to the chargebacks you are blaiming us for, please post the data you have in public and I will response in public. What is the ARN numbers or transaction IDs for the chargebacks?

well that is true you cant be calling criminals people around just like that


just because an internet site said so :2 cents:

Tomas, since you're back and are responding to these issues again, could you please address the following?

1. Rates doubled overnight without any notification whatsoever. Granted, the fees are still lower than the competitors, and I'm not complaining about the fees themselves, but the sudden increase with no notification is an issue for me.

2. Some new 5% holding apparently due to some new policies from Mastercard. But then, we're also being told that the 5% hold back is being used to fund redpass.com, which is umm... stealing? Or is it borrowing without permission since we're getting it back? Point is, it feels more like a loan than a hold back, and they're not paying us interest on said loan. No matter how you look at it, using our funds to pay fund their project is a big no no.

(copy/pasted because I'm lazy)

A hundie on-time pay outs..
:pimp

1. Rates was not doubled over night. A postal "snail"-mail was sent out to all merchants in December (to the principal address).

2. The 5% is from new policies, yes. It is also regulated in all agreements. I have NEVER stated that it is to fund redpass, however it happends because with redpass, the cawen/zombaio portfolio too large to run without reserves. What happens is the Cawen (the new processing company) became a legal financial institution and does now have full principal memberships with MasterCard for issuing and acquiring. So the 5% reserve is for the Cawen portfolio (where zombaio is a part), again, not to fund redpass.

It's not a loan, its not steeling, its a reserve. You have that with all other direct merchant accounts or ipsp's. We need to be able to adopt changes, the HR processing is not what it was a few years ago.

Tomas, believe me I weigh my words carefully. I am not only upset over late payments. I told you more reasons in my previous post.

See the links
http://www.gofuckyourself.com/showpo...9&postcount=65

An employee from 2008? In which company? IOMS AB?

Zombaio is IOMS, right?
http://zombaio.com/help_cardholder_terms.asp

Google: Jesper Thornblad
http://www.google.com/#sclient=psy&h...f87efc6f926f13

It looks like he is more than just an employee.
http://www.manta.com/c/mmyzh5m/zomba...t-services-ltd

Zombaio join pages
"To protect your privacy, any charges will discreetly appear as IOBILLING.COM on your credit card statement."

Who is associated with IObilling.com?
http://whois.gwebtools.com/iobilling.com

Who was Zombaio's representative on GFY in 2007 or 2008 when Zombaio introduced itself?

Funny, in conversations with Jesper and David I was told that due to strict banking regulations you could not disclose this kind of information, and now you want me to publish it here? I had to put up quite some fight back then (ZOA trouble tickets) and you released it. I am sure you guys remember the H. Rommel case.

Judging from your response I can conclude that you don't care about the other issues I complained about?

USING OUR RESERVES FOR FUNDING OTHER PROJECTS
Namely that you use the Zombaio Merchant's 180 day reserves as collateral for funding your other project RedPass. To Zombaio Merchant's you promise that the funds will be held on a non-interest bearing account. How can you use our MasterCard reserves as collateral for RedPass? Isn't that stealing?

RETROACTIVE INCREASE OF RATES
Then you doubled the processing rates without any notice - retroactively. The contract we have signed says the processing rate is 4.9% - but you have simply changed the rates on your website, and started charging the double than what we agreed on.

FEES ARE CHARGED TWICE FOR THE SAME TRANSACTION
We have a sub-account in your system. We got hit with those chargebacks from the Rommel member. Each of the disputed transactions got hit with the full chargeback fee first on the Master account, and then the full fee was also charged on the sub-account, for the same shared transactions. Result: You charged the fees 2x.
Is that an innocent programming error or intended?

CARD-ISSUING BANK CANNOT RECOGNIZE THEIR OWN CLIENT
In the Rommel chargeback case Zombaio support told us that the card issuing bank is Argenta.
Argenta was surprised and asked us how we link Rommel to them, because she is not a client of them. So Zombaio tells us that the bank who took our money is Argenta. Argenta does not recognize the cardholder. One of the parties is lying. Either Zombaio or Argenta is the thief.

Ok, let's close the Jesper story once and for all so I can focus on the real questions. He is an employee, was representing Zombaio yes, but is not anymore. He is since several years working with customer support. I have seen this link before (the forum) but there are 2 stories of everything and he is denying. IOMS AB is not Zombaio, its a company that processes payments on behalf of Zombaio (the Merchant). Zombaios ownership is entirely different, see the links I posted. Now lets dig this down since we are not getting anywhere with this really. IOMS AB is also replaced in the new platform with CAWEN (the financial institution).

Now to your concerns:

1. USING OUR RESERVES FOR FUNDING OTHER PROJECTS
The 5% is from new policies, yes. It is also regulated in all agreements. I have NEVER stated that it is to fund redpass, however it happends because with redpass, the cawen/zombaio portfolio too large to run without reserves. What happens is the Cawen (the new processing company) became a legal financial institution and does now have full principal memberships with MasterCard for issuing and acquiring. So the 5% reserve is for the Cawen portfolio (where zombaio is a part), again, not to fund redpass.

It's not a loan, its not steeling, its a reserve. You have that with all other direct merchant accounts or ipsp's. We need to be able to adopt changes, the HR processing is not what it was a few years ago.

2. RETROACTIVE INCREASE OF RATES
Rates was not doubled over night. A postal "snail"-mail was sent out to all merchants in December (to the principal address). See the agrrment (fee adendum).

3. FEES ARE CHARGED TWICE FOR THE SAME TRANSACTION
This is of course not correct, the chargeback fee should be splitted with the master and sub account according to the ratio on the account. Contact support about this (or me via ICQ)

4. CARD-ISSUING BANK CANNOT RECOGNIZE THEIR OWN CLIENT
Contact me over ICQ so I can send you the original chargeback messages from the bank.

dude the 5% in hold its so Fucking normal just check out www.2checkout.com they also process CC for tons of sites and they also hold the 5-10% for 90 days and theh do not process adult .... just use your brain cells



the hold its ok but come on thomas those 120 days are insane we are talking about 6 MONTHS

Ok, thank you for clarifying. The reason #2 was brought up (I think) was because it sounded exactly like you said the 5% was being used to help fund repass. That's how I understood it also.

Anyway, I'll post back in a few days as to whether or not we've received our payouts.

We have tried hard to not have this reserve but the decision is not ours. We loved to run without the reserve, which was one of our top selling points.

We are, again working on a model where you have a top limit. This means that the reserve will go down from 5% the more you process. But again, this needs to be approved by risk departments at the card schemes.

well if that what it takes for you guys to stay in business its ok .... just please consider the idea of 90 days instead of 180

we just received two Zombaio wires (12.27 and 01.03)

Confirming that we have received our 2 late payouts as well.

Just received mine for 12/31 as well.

All payments owed have been received today as well.

Good to know people got paid :thumbsup

We only signed up end of last year, never had a payment.







Until today. Wire arrived. Happy happy joy joy.

I am so glad reading this, now I hope to get some sleep for the first night of many.

If there is any clients' payouts that does not clear today, don't worry, your bank is probably using an intermediate bank (some banks has not own SWIFT membership), that normally adds a day or two.

Tomas, thank you for the answers.

As to the complicated company structures you guys have built, it doesn't really bother me if the name Jesper is there, his brother or David. Both have always been polite and fast in support. What matters is that we get our money. What you name your companies is not our business - as long as we know who to hold accountable if problems should arise.

Thanks for shedding new light to how you are structured. Whether or not the 5% reserve technically funds RedPass depends how you interpret it.
http://www.gofuckyourself.com/showpo...8&postcount=18

I am currently away from office but will verify this soon. Even if you sent a snail mail (and no notice in electronic form) it doesn't change the fact that it was a dirty move.
A bank once pulled an overnight 10x fee increase. They no longer get my business.

OK, I will contact you.

I can confirm that I have just received two wires today.

Settlement dates 2010.12.27 and 2011.01.03
Thanks.

I just checked my bank and Zombaio sent me two wires. I told you all we'd get paid. :)

Thanks Tomas and Zombaio!

Now it would be good if they tell us what systems they are going to put in place to insure this doesn't happen again.

awww shit i got paid!!! thanks zom!