We are integrated with both NATS and MPA3. If Executive Stats wants to integrate our API we will assist them all the way.

Same Question? we use Executive stats and I would love to try you guys out

can you proccess our turnkey program www.getrichinporn.com and we have a few others like it

Yeh, I think but it's up to our Risk Team, use this URL to check if we can process for a specific site:
https://www.zombaio.com/SiteChecker.asp

Tomas,
I really don't see a need to have an icq conversation, you've posted this thread on a public message board, why not have the discussion in public?

My comment so far is that what you've said about two specific banks does not add up to what those banks state as policy.

My other comment, and keep in mind that I know what interchange charges, is that even if you were working off interchange as your base, there's still such a long way to go to make a profit after paying registration fees, that your company would be in the hole for months with new clients that could not bring a considerable amount of volume to the table. And that is just a simple calculation based on gross revenue, having nothing to do with net profit.

The last comment addresses cross border acquisition, in a Canadian specific reference, but still applies to all customers, regardless of where they are located.

We are using Nordea Branch for Canadian processing and we are using both Citibank and First Data in US, and some others in EU (see page 1). The HR interchange fee for Visa is 2.95% + $0.10 and for MasterCard 1.75% for UCAF and full VBV/MCSC coded transaction (ECI 5+6) and a bit higher for SSL e-com ECI 7 coded transactions.

Kimmykim is right that just does not make sense. FirstData is very anti adult and I would be very surprised to see Citibank in 5967's

You are correct Charles, First Data/Chase/Paymentech are very specific in what they handle. And if Citibank were capturing and settling 5967s, one would think that everyone with business in the States would be selling it like hotcakes.

Yes, but both of them process adult. Run a purchase through one of our merchant sites, call your bank and get it verified. It's a hard way but the only way to find out...

Will you guys be in Vegas at the Internext Show?

I used to have First Data merchant account and it was big "No No" to process adult. even some-what adult related transactions.

First Data is a very large corporation and it depends on who you talk with and who you are. They don't do direct merchant accounts for 5967, neither does citibank.

You guys shouldnt bash them..

I dont use them, but ive heard about them and they have been doing gaming for a while..

Anyway, just because CCBILL charges a high rate doesnt mean its the best..

Have you ever wondered how much ccbill is making off you guys? They've been at the same rate for ages...

Nobody is telling ya to move all your processing to zombaio, you could just use them as a backup, or send only 10% of transactions to them and see how it does..

and kimmy kim bashes every processor here so whats new....

Anyway goodluck with the biz :), and if they want to stay with ccbill, thats fine, let them get assraped in charges.

PS i do mainstream, and its amazing what kinda rates you get.. , and no i dont use zombaio, just seen them around

Oh yeah also on the point of them not charging visa fees, some of you dont know business 101..

yeah if they process only at 4.9%, it would take them $xx,xxx to make back $750 in fees..

BUT, they could have one guy who processes $50,000 a month, which is around $2,500 gross a month.. in a year thats over $25,000..

So that guy theoretically paid the fees for a lotta people..

So what you are saying, and I'm quoting your own words, is that neither bank processes 5967 transactions?

In that case, each and every transaction that results in a sale being made with either of these banks for a 5967 merchant is improperly coded, invalid, and against card association rules.

There is no other conclusion, based on what you've just said. Perhaps the folks you deal with at each of these banks would provide something in writing stating that they are allowing you to run 5967 transactions legitmately, without coding them as such? If it were on each bank's company letterhead, I'd be the first person to refer you business.

I just dont see many people rushing in to subsidize small accounts.

I do some serious volume and my main processors are CCbill and Epoch (yes I get volume discounts but not anywhere near 4.9%). I sat here when all wanted to process through the Philippines and tried to tell people dont do it. This may not be the same BUT this just has a too good to be true ring to it.

I do millions with both CCbill and Epoch a year and I still pay the registration and would be real wary if I didnt. I will sit on the sidelines and if it stanfds the test of time they will get SOME of my business.

Lets see where this goes because Citibank I just do not see at all and I bank with them in several countries.

I love the show Hardball with Chris Matthews :)

Kimmy, you are a competitor and of course don't want to see us here. Let me re-formulate me: Neither Citibank or First Data does DIRECT Merchant Accounts for 5967, they do with IPSP's if you are certified, trusted and play by the rules.

You are marking words now but I still like you! ;)

I don't me an to go off topic, but

All depends whose on the show as the guest some get slow softball pitches and others get grilled...

I really wish tim russert was the one pulling the punches on the tv political scene the guy took no sides in his show and no one got a easy ride whether he agreed or disagreed personally.

LOL, you don't know me well enough to like or dislike me, but thanks :)

Back to the business end of it, there is no such thing as an indirect 5967 transaction. Transactions are assigned an MCC based on the type -- ie internet, terminal swiped -- and the content -- airline ticket, porn site, book to be delivered with signature.

Transactions are not "transferable" to another code... for instance, a purchase made in a strip club with a swiped (or keyed) card has one code assignment. If the same company had websites that sold subscriptions, they would be a different code assignment, run on a different MID/TID setup. Interspersing those transactions is NOT ALLOWED.

As to the comment about worrying about competition, you'll find that I'm friendly with, and have tremendous respect for the legitimate billing companies in the industry. CCBill, Epoch, Netbilling, L3 Payments, and CommerceGate jump to mind immediately (and I'm not saying that all others are not legitimate) and I have personal friendships as well as the occasional business relationship with many of them.

Amazingly enough, in a couple of months, I will have been in the adult industry for ten years, almost all of those dealing with billing and payment solutions -- I don't have to hate on anyone, my clients have always gotten paid on time and in full.

Good for you kimmy, I've been in the billing industry since 2001 so i'm not new to this. I have never stated that is such thing as an indirect 5967 transaction so I don't know what to answer here...

Love to be on your friendly list but I guess we never will...

Personally I would never expect such a thing to happen, they would give out sensitive information about their company contracts and contacts.
I would suggest going to a large well respected law firm and get them to prepare a note based on reviews of their contracts to ensure compliance. Furthermore I would point into the contract that Zommbaio was required to work with any PCI compliant processor in case the merchant wish to move their recurring member database if there appears to be problems with handling transactions at any given time.

Just wanted to share my about lowering the risks for new clients :2 cents:

That we can do for any client that want us to, without doubt!

Actually this is a very very good idéa. :thumbsup

I have just talked to our lawyer at Baker & McKenzie and we will publish such a document at www.zombaio.com the comming weeks.

http://usa.visa.com/download/merchan...-providers.pdf

you guys are not on this updated list of Visa compliant service providers, any reason why?

http://www.visaeurope.com/documents/...b er_2008.pdf

Listed under Samport Payment Services AB

$30 to issue a check, $12.50 per chargeback, and you hold onto the money for 14 days before you pay it out.

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

Yes, and $10 for a wire, 4.9% processing fee.

Alos note...
We are in a CFT pilot project with the card networks which means that we will be able to make deposits to you, direct to any Visa or MasterCard. This method will be very fast, cheap and reliable when available.

Were you in Atlanta?

:)

We were not, but we will be on XBIZ '09 Conference in Feb 10-12. And of course on the 09 XBiz Awards, btw thanks for the nominee Xbiz, I don't know how that works but it's always nice to be appreciated :thumbsup

Well...
 

As been said it sounds too good to be true, but what if it is true ? Thomas seems to have fielded every question, good job Thomas...

We always been happy with CCBill, except for the 17% + 5% holdback :( 22% sucks...

My only concern is the intergration for the affiliates, we dont want to go down the Nats route... so the built in CCBill affiliate tracking is perfect for us...

Sure, we have an internal affiliate tracking system as well, maybe not as good as CCBill's (I've not seen their affiliate system), but I think it's fair enough for small merchants. Migrating all affiliates is of course not an easy thing to do if you are using the integrated system compared to if you would have used NATS or MPA3.

I personally think both CCBill and Epoch among others are very good and professional processors but when it comes to rates, daily payouts, fraud insurance, reserve etc it all comes down to the net $$$.

Besides that I think we have an outstanding product when it comes to features...

d*mn too late to edit the above, here is the link:
https://www.zombaio.com/services_affiliate_system.asp

But I thought Jesper said that Samport and Zombaio were not the same company?

Hello Kimmy! ;)

It's not the same company, it's a sister company and are using the same cardholder/processing environment, therefor only one PCI assesment is required.

I thought this changed this year as CCBill will now process for us Canadians.. I haven't gone thru the process so don't know all the details though.

http://businesscenter.ccbill.com/signup.php

Answer??

Or they write it off as a marketing expense... This isn't rocket science...

Sorry I missed this one...
Both is ok but for self employed you need to provide some tax details (proof)

Tomas - You guys have been around for a year now.... but as has been stated before, it all comes down to trust... How about giving us a run down (again) on the company "behind" Zombaio.. i.e. "gaming?" Who are they? How long have THEY processed and for who? Are they backing this venture financially? etc. You need to convince people that you will be around for a couple decades.

thomas you got any pics of hot chicks that work at Zombaio? post em please

Absolutley. Some of the founders and board members are the same guys that once started Samport (a large European player) that delivers authorization and anti fraud platforms to more than 10 large acquirers (samport.com).

I personally worked as a Legal Consultant at RBS 2001-2003 and since 2003 I've been both IOC and RBS till 2007 where I started full time with the new adult brand Zombaio. Now I'm VP Payment Systems at Zombaio.

We are financial strong and extremly well connected in the bank industry, you will see us around for many many years. Next thing is the statement from Baker & McKenzie then I hope we can put this compliant/not-compliant/ligitime discussion behind us and focus on keeping the trust instead of building it up.

Hmmm I'm still not sold... I would like to be but I'm not... I think I would need to see a long time poster/big player from GFY that has been using Zombaio for some time... or something.

I was one of the lovely victims of Paymonde/iMonde/MyVirtualCard which is why I'm extremely weary... what's to say I'm not going to process for a year with Zombaio, think all is fine and then one day login to GFY only to be told that my check isnt coming as it's in some guy names tomas's pocket and he is no where to be found? (Not that Tomas would do that, just saying for arguments sake).

Totally understandable, take your time, we'll be here....

At the end of the day, Tomas, First Data does not process for adult transactions, as long as they know they are adult transactions.

Referring to a Forbes article from 2004, in regards to iBill (a company that many here know well) and their lawsuit to attempt to force First Data to process for them --
http://www.forbes.com/2004/09/27/cz_sl_0927ibill.html

""We have determined that processing payments of the adult entertainment marketplace is inconsistent with our core values," sniffs a First Data spokesman. He adds that the company warned iBill with "multiple notices" that its contract would not be extended after its expiration. "

If something has changed at First Data, I would be highly surprised, especially since in the last 45 days they've declined to process new adult related business for clients that do substantial amounts monthly in mainstream. And by adult related, I mean in the Paypal sense... no taint of adult, period, regardless of the product or service.

I'm off to bake a cake now, hopefully if I decide to use baking soda instead of baking powder it will still turn out alright. They are similar, aren't they?

Kimmy,
That was 4 years ago, we are using First Data among others period. If you want to run checks, please do! There is nothing to argu about here.

So then, First Data IS processing adult now? (Just to confirm)

I started the process a few months ago and you were offering me something like a 9% processing fee, will you drop it to 4.9% for me? If so, I'll definitely use you guys as a backup processor.

First Data is a very large corporation with many decision-makers. As I wrote erlier, it depends on who you are and who you are talking to. In short relations.

We are using First Data as an IPSP but I really doubt they will setup a direct merchant account with just any adult merchant. There is just nothing more to say about this. And just in case, it's the same thing with Citibank...

Of course, our prices is for both new and existing merchants.... just contact client support and they will help you out.