Are you saying Zombaio doesn't offer customer support?

I think he's saying that banks can directly offer really low rates but the low bank rates usually don't come with extra things like customer support which the 3rd party companies offer (Zombaio, CCBill, Paycom, etc).

The starting 15% processing fees from the major players are pretty high.

The funny thing is that it takes a new player to appear in the market, in order for people to realize that. :)

No kidding hey! 15% is excessive... 10% with a 5% reserve wouldnt be so bad, but 15% with a 5% reserve is rough... especially if youre paying affiliates.

I'm waiting for KimmyKim on this one.

She'll ask the questions none of us would think to ask.

huh? wtf?

doesnt this seem like a well scripted dance of questions and answers ?

2 things come to mind;

1. if it sounds too good to be true, then its bullshit
2. if it aint broke, dont fix it.

with all due respect to your offer, it smells fishy.

its becoming a standard that just about every year around this time, webmasters and affiliates get fucked.....and im tired of getting fucked without getting kissed....and my fucking asshole is already stretched out that it constantly leaks.

i rather pay a few extra bucks to ccbill for a better piece of mind.

ccbill, im stayin!
Zombala, KEEP THE CHANGE YA FILTHY ANIMAL....and a happy newyear!
good luck!

ccbill:thumbsup

why do you think the guy has a damn jet

Yes, you can add several programs to one account.

Looks like a great deal. The only problem I see is that there's no support on Sunday in the website chat. Pimpin' is 24/7, if you want to be serious business for adult, You need to be accessible 7 days a week by web chat, icq, msn, skype, aim, e-mail, etc... this mon-fri work-hours shows a mainstream mentallity. But... I'll give Zombaio a chance, definitely looks better than ccbill and epoch! Paying 15% + reserve to a processor is just bad business when there's a better alternative!

It?s actually not very strange. There have been some companies out there that has tried to compete with the bigger players in this industry but failed due to lack of credibility. I don?t think all of them were scammers but they probably not played by the HR IPSP rules and was probably sending the transactions un-coded which were fatal for them. And that?s why the prices can still be keept at this crazy level.

For you ppl that are saying this looks too good to be true; take a look at all other industries, there is no industry that pays over 5% for a high risk transaction. As many of you know we are also processing gaming transactions which is really high risk, but at rates below 3%.

With all respect for CCBill and Epoch , if you are happy with them, stay with them but if you are a business man/woman, grab your calculator?

On your rates page (https://www.zombaio.com/rates.asp), we can read: "Please note that our service is for adult entertainment content sites only!".

Zombaio is processing under another name for the gaming industry?

Thanks

Yes, of course. We are backend processors with ITOT, iocharge.com among others... but with separate staff. Lets keep this thread focused on Adult billing and Zombaio and if you guys need more info abut gaming, hit me up on ICQ... :thumbsup

Hi to all,

I migrated over from CCBill to Zombaio over a year ago (recurring membership sites and an affiliate program).

I've been in the web business for 13 years now and in the adult portion for about 4 years. CC processing has always been touchy in the adult part, especially for us Canadians.

CCBill was/is good and reliable, they are however not evolving, nor have they been for a long time (well, a year ago they wern't) ... Zombaio on the other hand is dynamic in their approach; they bring a fresh and well appreciated attitude to the industry. I decided to take a chance with them a year ago. A good choice it turned out to be! I am satisfied at all levels with their services; rates, web interface/tools and customer support.

I have nothing negative to say about them and I considered myself completely unbiased here.

Feel free to ask me questions if you want, it will be my pleasure to share this experience with you all.

DanSolo

nice! looking good! :)

congrats on new biz.

Thank you very much DanSolo!

what made you have the name like Zombaio?

nice stuff :thumbsup

Same list as before and always. And the answers don't add up so far.

1. Citibank?
2. First Data US?
Maybe you sent a wire through one of them, but processing? Anyone that wants to know how First Data feels about adult these days should look at the old iBill history.

2. No registration fees? If you're paying these and charging 4.9%, you're certainly not going to make the money up on volume. Just my .02, it takes a long time to make $750 profit from a small account, especially with the situation that's occurring with cross sales.

3. Canadians. I love me some Canadians, for sure, but the rules are still the rules. Either get a US company, get an EU company, or use a Canadian bank for processing. You cannot process transactions outside the region where they are authorized, and the principal signatory on the account must be a resident of that country. Same applies to EU, US, Latin America and Mars.

4. You are also processing for gaming?

I'm not picking on you here, Tomas, I just can't seem to get my head around your claims and sort out how they could actually work in a compliant manner.

We use Executive Stats for our affiliate software. Would it be possible to integrate you into this system, or do you strictly work with NATS?

With all respect Kimmy, please hit me up on ICQ then we can have a discussion there, after you can post your thoughts here. Of course we are compliant in all manners!

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.