Originally Posted by Kimmykim (Post 15214604)

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.

Originally Posted by Kimmykim (Post 15214319)

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.

Originally Posted by Due (Post 15214737)

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:

Originally Posted by Due (Post 15214737)

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:

Originally Posted by webmasterchecks (Post 15214960)

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

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

Originally Posted by whatif_3 (Post 15215016)

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

Originally Posted by TurboAngel (Post 15215038)

Were you in Atlanta?

:)

Originally Posted by PixelBucks (Post 15215315)

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...

Originally Posted by Zombaio_Tomas (Post 15214992)

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

Listed under Samport Payment Services AB

Originally Posted by Jesper (Post 13710622)

Samport is not the company behind Zombaio, but Zombaio is a large acquiring client of Samport. Samport hosts many of Zombaio's critical systems in a secure environment. Zombaio is a own company with it's own board members ;)How do I know? I've been working for Zombaio for almost a year now...

So if you have any questions, just shoot them to me.. I'll do my best to keep up with you guys... and yes... I'm Swedish ;)

Originally Posted by Kimmykim (Post 15215445)

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

Originally Posted by Kimmykim (Post 15213690)

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.

Originally Posted by MOCKBA (Post 15206818)

Does it have to be Canadian based company or any sole proprietorship (self employed)?

Originally Posted by xxweekxx (Post 15214244)

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..

Originally Posted by MOCKBA (Post 15206818)

Does it have to be Canadian based company or any sole proprietorship (self employed)?

Originally Posted by Tempest (Post 15215547)

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.

Originally Posted by NickDavis (Post 15215736)

Hmmm I'm still not sold... I would like to be but I'm not...
I was one of the lovely victims of Paymonde/iMonde/MyVirtualCard .....

Originally Posted by Kimmykim (Post 15215791)

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

Originally Posted by NickDavis (Post 15216031)

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

Originally Posted by hypedough (Post 15216079)

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.

Originally Posted by Zombaio_Tomas (Post 15216098)

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.

Originally Posted by Kimmykim (Post 15215445)

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

Originally Posted by xxweekxx (Post 15216245)

Ill say one thing though, in life its all about who you know, not what you know..
If you know the right people ANYTHING, absolutely ANYTHING is possible..

Originally Posted by Kimmykim (Post 15214604)

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.

Originally Posted by bellybuttonlint (Post 15216238)

so...lets just say....if someone were to rob people of their due monies somewhere along the line, firstdata can say " hey loser, were not responsable for the actions of this employee...they did it on their own...behind our backs...AND WE WERENT AWARE!

Originally Posted by Zombaio_Tomas (Post 15215366)

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.

Originally Posted by NetBilling (Post 15216306)

Kimmy,

Thank you for the mention and it is always a pleasure working with you.

Kimmy is not coming here to bash anyone. She is asking very specific and important questions and know more than almost anyone in the adult processing space. Her and I both have seen too many companies come and go over the past 10 years that have burned many merchants and friends we have made in this industry.

While I hope you do succeed even being a competitor, the questions being asked are very important to answer and backup.

Originally Posted by hypedough (Post 15216079)

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.