Is Zombaio officially going out of business?

[NewOldPlayer]

I can't imagine how much longer they can continue on abusing their clients by not paying them.

I don't think they are getting new clients because they ruined their own reputation by not making payouts, and or if they do, they are weeks behind. Word travels fast.

Now that they don't have enough money coming in to cover money going out, how much longer can they keep this charade going?

They are running out of excuses. "Manual payments, technical problems" and they created red pass to buffer late payments even further, by using red pass as the new scape goat. But we all know red pass IS Zombaio. So red pass isn't holding funds up, Zombaio is.

The questions now is, not "if" they are going out of business, it's "when."

So who will get burned when they crash?

Will they payout the hundreds of smaller accounts and burn a dozen whales with big balances due?

Or will they pay off the whales (because they have the money and legal might to collect) and burn the majority of small accounts because they have no power or voice at all?

Either way it's going to be ugly.

I once praised Zombaio for being the new light in this greedy world of credit card processors. But now I regret it. It's really too bad they screwed up their business. They had the right idea, but didn't know how to maintain it. Spending incoming funds on outside ventures and not having enough money leftover to make payouts is not the way to run a business.

I'm just waiting for them to shove that red pass card up my ass one last time before I get burned and lose all my payouts.

Have the balls and decency Zombaio to announce that you are going out of business and start re paying all the payouts before you crash and burn. End this madness of toying with people's money. Turn off your 'live customer service' which is completely meaningless, as we don't need to read the same comments every week by your 17 year old operator that tells us, 'you'll be paid tomorrow.'

Step up to the plate and take your hits. You've made some money and now your business has failed and is coming to an end. It's time to repent, make all the payouts due and get into a new line of business.

I hear Home Depot is hiring.

[AmeliaG]

I'll be totally bummed if they go out of business. I like having my joins distributed across CCBill, Epoch, and Zombaio. After having had all my program eggs in the Globill basket, I like diversity. If Zombaio goes under, I'll definitely add a different 3rd processor.

I find it kinda sock puppet uncool for unknown nicks to be saying a biller is going under. If you are a real person with actual experiences, you should share them to warn others.

If you are a rep for another biller, a post like this hurts Zombaio and Zombaio going under will kill a bunch of the small indie sites with only one biller.

[signupdamnit]

Originally Posted by AmeliaG

I'll be totally bummed if they go out of business. I like having my joins distributed across CCBill, Epoch, and Zombaio. After having had all my program eggs in the Globill basket, I like diversity. If Zombaio goes under, I'll definitely add a different 3rd processor.

I find it kinda sock puppet uncool for unknown nicks to be saying a biller is going under. If you are a real person with actual experiences, you should share them to warn others.

If you are a rep for another biller, a post like this hurts Zombaio and Zombaio going under will kill a bunch of the small indie sites with only one biller.

If they do go will you lose a good chunk of your rebills though? I know people used to be screwed in that scenario. I'm not sure how it is these days. If that is still the case it would seem totally risky to keep sending them new recurring joins. I would think people would leave the second a biller started looking shaky.

I have no idea whether they are going to go or whether the OP is a troll but usually when a person or a business is constantly late for months straight it means they lack reserves and/or sufficient revenue. Not a good sign at all. Good luck. I always thought you were one of the more decent ones here and totally respected your skills.

[deltav]

The thing about Zombaio is that AFAIK they haven't made a clear rational public statement about their ongoing issues. Without that - and I'm not saying there aren't good reasons for the problems that are fixable - it does indeed fit the profile of past processors who've strung webmasters along and then gone under with $$$ and more importantly rebills. And in each of those situations, we wound up asking ourselves "Why didn't I read the writing on the wall and get out sooner, instead of hope against reason they were just temporary glitches?"

So yeah, let's hear from Zombaio on this. Otherwise it's a conversation worth having even if the OP did pile on some unnecessary GFY style snark.

[NewOldPlayer]

There are hundreds of people using Zombaio as their main or only billing source that are afraid to speak up for fear of getting their accounts deactivated. The webmaster has no power or control over anything in these matters and has to bend over and take it up the ass when pay outs are not made. It seems that this credit card processor doesn't have to abide by the same business rules as the rest of the business world does.

How and why can Zombaio take in money for Visa charges, from the public, and not make the payouts? Are they above the banking rules? Are they special?

Zombaio is not a banking institution. It's just a small business run by a couple guys that are misappropriating the public's funds because there is no banking regulation.

This is just the quiet before the storm.

[AmeliaG]

Originally Posted by signupdamnit

If they do go will you lose a good chunk of your rebills though? I know people used to be screwed in that scenario. I'm not sure how it is these days. If that is still the case it would seem totally risky to keep sending them new recurring joins. I would think people would leave the second a biller started looking shaky.

I have no idea whether they are going to go or whether the OP is a troll but usually when a person or a business is constantly late for months straight it means they lack reserves and/or sufficient revenue. Not a good sign at all. Good luck. I always thought you were one of the more decent ones here and totally respected your skills.

Thanks. We live in interesting times.

I agree it is risky having rebilling joins with any 3rd party processor and extra-nerve-wracking when one starts having problems. One of the things which leads to domino effect problems that puts a processor under, however, is sock puppet anonymous nicks like OP claiming it is a minute from going out of business.

Even a biller which is not having problems could decide to stop billing for pretty normal stuff -- teens, BDSM, vampires, etc. So I definitely think it makes sense to pay to keep multiple billers no matter what.

[AmeliaG]

Originally Posted by NewOldPlayer

There are hundreds of people using Zombaio as their main or only billing source that are afraid to speak up for fear of getting their accounts deactivated. The webmaster has no power or control over anything in these matters and has to bend over and take it up the ass when pay outs are not made. It seems that this credit card processor doesn't have to abide by the same business rules as the rest of the business world does.

How and why can Zombaio take in money for Visa charges, from the public, and not make the payouts? Are they above the banking rules? Are they special?

Zombaio is not a banking institution. It's just a small business run by a couple guys that are misappropriating the public's funds because there is no banking regulation.

This is just the quiet before the storm.

And your post makes it more likely that those "hundreds of people using Zombaio as their main or only billing source" are going to go out of business entirely.

Are you using Zombaio?

[EvaCash]

We don't use them at EvaCash but there are some people who use them and are reporting no problems with processing or payouts.

As long as some people are still making money with them and getting paid, I don't think they are going to go away.

[NewOldPlayer]

Originally Posted by AmeliaG

One of the things which leads to domino effect problems that puts a processor under, however, is sock puppet anonymous nicks like OP claiming it is a minute from going out of business.

Really? Payments are being withheld and somebody standing up and complaining about it is contributing to 'putting a processor under' ?

I never claimed they are minutes from going out of business, however, it is a simple assumption when PAYOUTS ARE NOT BEING MADE that a business is in trouble. What else can any normal person assume?

Sure would be nice to actually hear from the reps, but they know what is going on and have no answers to tell anybody, other than, 'we are updating our software and having some problems, but soon it will be corrected' or 'we are doing everything manually now and it takes longer, please be patient' and my personal favorite: 'you'll get paid tomorrow.'

Wait until your payments STOP or are weeks behind. You'll be singing a different tune.

[lagcam]

More flyby crap from somebody hiding behind anonymity.

This tactic of adding a question mark in a potentially business damaging thread title is an asshole move and shouldn't exempt the thread starter from being banned.

As I said in another thread recently and have said on many other occasions since 2008.

Zombaio is very much "a get what you pay for service". A trade off between better processing rates/lower fees and slower payments/poorer support.

I would never use Zombaio or any other single biller exclusively. It is crazy to put all your eggs in one basket and that is what I suspect is what the OP has done, and why he is so mad (judging by his rant about ccbill's fees in June 2013...

Originally Posted by NewOldPlayer

Since that delay hiccup, I've been getting paid with no problems and enjoying weekly payouts.

I'd NEVER switch back to ccbill. I regret shelling out 14.5% and getting fucked over with their annual fees and now their "new" MasterCard charge. What a joke.

I understand that late payments hurt. Believe me. I am not saying that you shouldn't expect payment on time everytime, but I am saying that threads like this won't get you paid any quicker and if Zombaio's cashflow really was a serious concern, then how do you expect it to improve if you are scaring away business from them?

Bottom line. You want premium service, pay premium rates. Don't try to fuck up the business of somebody who provides value for money processing just because you were too cheap to spread your risk.

[NewOldPlayer]

Originally Posted by lagcam

Bottom line. You want premium service, pay premium rates.

You are absolutely right. What was I thinking? I had the silly notion that if a business states the terms, the fees and the payout schedule, that they would adhere to it, like any normal credit card processing business would. I forgot the unwritten rule that we should all allow these unregulated companies to do what ever they want to at any given time, because they hold all the cards and we are nothing but morons sending them our sales. We don't deserve respect and we certainly don't deserve getting our payouts because we are not paying a premium rate for premium service.

Yes, it's clear to me now. Zombaio is on the side of righteousness and I am but a poor pathetic loser that had the audacity to expect to receive funds from sales made months ago.

I pray to thee, oh mighty Zombaio, please hold back more of my weekly payouts as tribute to thy holiness, as the money is meaningless to me and is not needed for my flock. Please use my money in any way shape or form to please thyself as I am your merchant slave and it pleases me no end to give you everything I earn because that is why I was placed on this Earth, to serve you, my credit card processing Lord.

Thanks, I see the light now.

[NewOldPlayer]

[Gator]

Using RedPass is not a good idea. I would change payment option if you can. RedPass is risky. ePassporte should be an indication.

I have gotten paid with no issues via ACH.

My concern is has anyone have a sharp decrease in sales? Some users are being forced to call their bank to authorize charges before being approved. That can't be good for sales. No guy is going to call his bank with his wife sleeping next to him.

[directfiesta]

Originally Posted by AmeliaG

I'll be totally bummed if they go out of business. I like having my joins distributed across CCBill, Epoch, and Zombaio. After having had all my program eggs in the Globill basket, I like diversity. If Zombaio goes under, I'll definitely add a different 3rd processor.

I find it kinda sock puppet uncool for unknown nicks to be saying a biller is going under. If you are a real person with actual experiences, you should share them to warn others.

If you are a rep for another biller, a post like this hurts Zombaio and Zombaio going under will kill a bunch of the small indie sites with only one biller.

Globill ..... memories ..... bankruptcy papers .... Xmas gift basket ...

[AmeliaG]

Originally Posted by NewOldPlayer

Really? Payments are being withheld and somebody standing up and complaining about it is contributing to 'putting a processor under' ?

I never claimed they are minutes from going out of business, however, it is a simple assumption when PAYOUTS ARE NOT BEING MADE that a business is in trouble. What else can any normal person assume?

Sure would be nice to actually hear from the reps, but they know what is going on and have no answers to tell anybody, other than, 'we are updating our software and having some problems, but soon it will be corrected' or 'we are doing everything manually now and it takes longer, please be patient' and my personal favorite: 'you'll get paid tomorrow.'

Wait until your payments STOP or are weeks behind. You'll be singing a different tune.

If I had a tune to sing, I would sign my name to it and not hide being a fake nick.

Everyone knows that confidence in a processor is important and a thread like yours obviously decreases that confidence.

So you are saying you do NOT process with Zombaio, correct?

[AmeliaG]

Originally Posted by directfiesta

Globill ..... memories ..... bankruptcy papers .... Xmas gift basket ...

The thing that still chaps me the most about Globill was that their bankruptcy was denied, but it took so long that the statute of limitations to sue ran out in California. I really wish I'd filed at the time.

[AmeliaG]

Originally Posted by lagcam

More flyby crap from somebody hiding behind anonymity.

This tactic of adding a question mark in a potentially business damaging thread title is an asshole move and shouldn't exempt the thread starter from being banned.

As I said in another thread recently and have said on many other occasions since 2008.

Zombaio is very much "a get what you pay for service". A trade off between better processing rates/lower fees and slower payments/poorer support.

I would never use Zombaio or any other single biller exclusively. It is crazy to put all your eggs in one basket and that is what I suspect is what the OP has done, and why he is so mad (judging by his rant about ccbill's fees in June 2013...



I understand that late payments hurt. Believe me. I am not saying that you shouldn't expect payment on time everytime, but I am saying that threads like this won't get you paid any quicker and if Zombaio's cashflow really was a serious concern, then how do you expect it to improve if you are scaring away business from them?

Bottom line. You want premium service, pay premium rates. Don't try to fuck up the business of somebody who provides value for money processing just because you were too cheap to spread your risk.

Quoted for truth

[NewOldPlayer]

Originally Posted by AmeliaG

Quoted for truth

Zombaio doesn't read these threads so there is no reason to smooch. Don't be so high and mighty just because you're getting paid. Some of us are not.



Fake profiles?? Hiding?? Who the F are you??? And who the F am I??? NOBODY CARES. This is just a place to dump opinions and observations. I don't have to answer to some stranger online. Stop making everything so personal.

[JuicyBunny]

Been with Zombaio for 5 years. No complaints. We have 2 other billers as well. No complaints.

[AmeliaG]

Originally Posted by NewOldPlayer

Zombaio doesn't read these threads so there is no reason to smooch. Don't be so high and mighty just because you're getting paid. Some of us are not.



Fake profiles?? Hiding?? Who the F are you??? And who the F am I??? NOBODY CARES. This is just a place to dump opinions and observations. I don't have to answer to some stranger online. Stop making everything so personal.

Please allow me to clarify: I am not defending Zombaio. I am saying you are a bad person, someone who damages others from a cowardly fake nick position of anonymity, pretending to be something you are not. Understand the difference?

You are attacking the livelihoods of what you personally described as "hundreds of people using Zombaio as their main or only billing source". (I'm not sure there are that many indie webmasters left running membership sites, but those are your words.)

And you are doing it from a fake nick.

[deltav]

Originally Posted by AmeliaG

One of the things which leads to domino effect problems that puts a processor under, however, is sock puppet anonymous nicks like OP claiming it is a minute from going out of business.

I dunno man - if a payment processor goes out of business due to occasional criticisms from some randoms at GFY, they are fully deserving of said criticism.

[Paully]

I dont think theyre going under. I think they are getting had by their bank. I like Zombaio. I like Jesper and David. Michael not so much.

I think they just cant handle their business.

[AmeliaG]

Originally Posted by deltav

I dunno man - if a payment processor goes out of business due to occasional criticisms from some randoms at GFY, they are fully deserving of said criticism.

When I see a title that a company is officially going out of business, whether or not someone adds punctuation, I am less likely to do business with that company. The more often fake nick randoms are allowed to do this, without anyone calling them on it, the more damage they can do.

It is just the inverse of I feel positively disposed towards you because you post intelligent insights on GFY.

I mean, you take reputation into account when deciding who to work with, don't you?

[The Porn Nerd]

Originally Posted by Paully

.....
I think they just cant handle their business.

I don't use Scott Zombaio but that can't be good.

Joanie Loves Chargebacks?

[deltav]

Yeah Amelia, no argument on the fake nick drivebys part. Guess I'd feel more strongly about it if there were an epidemic of anti-Zombaio posts, or that some of the complaints weren't valid or potential red flags going from experience of past dearly departed processors (I remember Globill dying a day or two before I was supposed to go on vacation).

[Paully]

Originally Posted by The Porn Nerd

I don't use Scott Zombaio but that can't be good.

Joanie Loves Chargebacks?

Chachi maybe with a y

[AmeliaG]

Originally Posted by deltav

Yeah Amelia, no argument on the fake nick drivebys part. Guess I'd feel more strongly about it if there were an epidemic of anti-Zombaio posts, or that some of the complaints weren't valid or potential red flags going from experience of past dearly departed processors (I remember Globill dying a day or two before I was supposed to go on vacation).

Because of the misleading nature of this thread title, my heart missed a beat exactly because there have been, like you said, potential red flags. I guess I feel like there are enough real issues in this industry that I have little patience with fake nicks making fake posts with unknown agendas.

Yeah, finding out when my Friday wire didn't show up for Globill definitely sucked. A lot.

Happily, I had downloaded all my member and affiliate and sales data pretty recently at the time. Was able to pay SpookyCash affiliates out of pocket and folks were kind enough to sign up again to promote via CCBill.

But it really really really sucked. I hope Zombaio is not a repeat, but, at least if it is, I have my joins distributed among multiple billers.

[bean-aid]

Originally Posted by Paully

I dont think theyre going under. I think they are getting had by their bank. I like Zombaio. I like Jesper and David. Michael not so much.

I think they just cant handle their business.

I doubt they like you

[EddyTheDog]

I agree the title is very misleading, and he should be told to reel it in a bit - However, assuming everyone with a low post count is a fake nic is a bit much...

He could be a pissed off client that hasn't been paid for a while - We all had low post counts once, we aren't born with 4 digits under our names.....

[ShowMe69]

Originally Posted by EddyTheDog

I agree the title is very misleading, and he should be told to reel it in a bit - However, assuming everyone with a low post count is a fake nic is a bit much...

He could be a pissed off client that hasn't been paid for a while - We all had low post counts once, we aren't born with 4 digits under our names.....

I Agree he sounds pissed

[TheSquealer]

These guys launched and skinned the board and created a thread and it went completely sideways from the start with them not being able to competently answer questions about merchant processing and with them ultimately insulting and attacking people.

Being the business full of inept and incompetent people that this is, everyone was of course immediately on board and ready to trust them with their money.

The complaints of late payments started immediately. The predictable complaints of them being incompetent started immediately.

They eventually hired the Epoch guy who sat right here telling everyone that all was good and fine when it clearly wasn't to represent them on the boards. Rather than being skeptical, it turned into another bro/sycophant circle jerk, where they were applauded and congratulated rather than treated for the dipshits they are.

Complaint after complaint after complaint of late0 payments has been the only consistent feature of their industry presence.

If you trust them with your money .... then you fully deserve to lose it because you are a fucking idiot.

[TheSquealer]

Thinking about it ... They fucked up the launch so bad by being rude and unprofessional that they had to come back and re-skin the board a second time and try again.

If course this didn't slow this business full of fucktards down in the slightest bit from running hand in hand over a cliff with them.

[k0nr4d]

Originally Posted by TheSquealer

These guys launched and skinned the board and created a thread and it went completely sideways from the start with them not being able to competently answer questions about merchant processing and with them ultimately insulting and attacking people.

Being the business full of inept and incompetent people that this is, everyone was of course immediately on board and ready to trust them with their money.

The complaints of late payments started immediately. The predictable complaints of them being incompetent started immediately.

They eventually hired the Epoch guy who sat right here telling everyone that all was good and fine when it clearly wasn't to represent them on the boards. Rather than being skeptical, it turned into another bro/sycophant circle jerk, where they were applauded and congratulated rather than treated for the dipshits they are.

Complaint after complaint after complaint of late0 payments has been the only consistent feature of their industry presence.

If you trust them with your money .... then you fully deserve to lose it because you are a fucking idiot.

They hired the epassporte guy not epoch guy

[ShowMe69]

Originally Posted by k0nr4d

They hired the epassporte guy not epoch guy

You are right, I haven't seen Michael O around here is he MIA , RIP or AWOL

[TheSquealer]

Originally Posted by k0nr4d

They hired the epassporte guy not epoch guy

Right, my bad. The mouth piece for inept and incompetent jerkoffs, that quietly made his exit

That was always the biggest fucking joke about epassporte and a pretty obvious sign that no money was safe with them. A company transacting that much money both in and out of adult (shit tons for gambling to enable illegal offshore gaming transactions) and if you had an issue.... you literally had to track down this one, single individual to get help or you were fucked.

And no one had a problem with that.

If I had my credit or debit cards frozen or lost or not working with Bank of America, I sure wouldn't be confident knowing that I have to track down "Bob" to help.

This industry is full of terminally self destructive morons.

[signupdamnit]

Originally Posted by TheSquealer

These guys launched and skinned the board and created a thread and it went completely sideways from the start with them not being able to competently answer questions about merchant processing and with them ultimately insulting and attacking people.

Being the business full of inept and incompetent people that this is, everyone was of course immediately on board and ready to trust them with their money.

The complaints of late payments started immediately. The predictable complaints of them being incompetent started immediately.

They eventually hired the Epoch guy who sat right here telling everyone that all was good and fine when it clearly wasn't to represent them on the boards. Rather than being skeptical, it turned into another bro/sycophant circle jerk, where they were applauded and congratulated rather than treated for the dipshits they are.

Complaint after complaint after complaint of late0 payments has been the only consistent feature of their industry presence.

If you trust them with your money .... then you fully deserve to lose it because you are a fucking idiot.

I think pigs are about to fly. I mostly agree with you here.

[ShowMe69]

Originally Posted by signupdamnit

I think pigs are about to fly. I mostly agree with you here.

they are flying

[ShowMe69]

not a good sign today

[CaptainHowdy]

[NewOldPlayer]

Anybody get paid this week?

I know if money doesn't come in by Wednesday (which was due Tuesday), then I won't see it until next week because even if they do send the money Thursday, red pass won't release it until early next week. They like to show you the money in your red pass wallet, but won't let you take it out. Just another mind fuck.

Time to bend over forward again and get ready for that cold hard red pass card shoved up my ass.

I'm staying with Zombaio because I'm a fucking masochist and a total moron.

[Eschaton]

Originally Posted by NewOldPlayer

Anybody get paid this week?

I know if money doesn't come in by Wednesday (which was due Tuesday), then I won't see it until next week because even if they do send the money Thursday, red pass won't release it until early next week. They like to show you the money in your red pass wallet, but won't let you take it out. Just another mind fuck.

Time to bend over forward again and get ready for that cold hard red pass card shoved up my ass.

I'm staying with Zombaio because I'm a fucking masochist and a total moron.

4 payments behind for me. Their website still says payments are staggered 20 days but I'm still waiting for a payout created on February 2nd (60 days ago). I do high volume with them so it's not fun. I hope they get their payout problems resolved.

[Paully]

A week late for us but they got the money there. Redpass is anywhere from 15 minutes to 3 days to go through now.

Irritating but we are using CCBill along with them so the delays aren't as painful.

Still cant beat their rates, through put and those nifty stats. CCBill's scrub is definitely higher though. Then again CCBill doesn't charge you a fee for charge backs either.

I guess they all have their good and bad.

[ShowMe69]

Originally Posted by Paully

A week late for us but they got the money there. Redpass is anywhere from 15 minutes to 3 days to go through now.

Irritating but we are using CCBill along with them so the delays aren't as painful.



Still cant beat their rates, through put and those nifty stats. CCBill's scrub is definitely higher though. Then again CCBill doesn't charge you a fee for charge backs either.

I guess they all have their good and bad.

Those rates won't mean a thing when they go Globill or IBill on you...bye..bye rebills

[Eschaton]

One thing to note on my 4 late payments is they're all via US ACH. I know a lot of you use RedPass, so I'm not sure what difference that makes. I figure if I want my funds in my bank account, RedPass becomes redundant?

Does anyone else in the US have late payments with them via ACH?

[Paully]

Originally Posted by ShowMe69

Those rates won't mean a thing when they go Globill or IBill on you...bye..bye rebills

You can say that about any processor. That's why you gots to spread it out.

[ShowMe69]

Originally Posted by Paully

You can say that about any processor. That's why you gots to spread it out.

True but you can definitely say it about a processor that shows total disregard to paying in a timely manner..and very little support

[bean-aid]

Another thread justifying sub par performance. I would compare this to when the masses thought the world was flat until someone drove a boat straight off the cliff.

[NewOldPlayer]

Still have not been paid by Zombaio this week. I guess I'll just have to wait another week FOR MY OWN FUCKING MONEY.

FUCK MY ASS HARD WITH YOUR RED PASS CARD YOU MOTHER FUCKING ASSHOLES.

[adultchatpay]

Oh my, this will really hurt someone!

[ShowMe69]

Originally Posted by NewOldPlayer

Still have not been paid by Zombaio this week. I guess I'll just have to wait another week FOR MY OWN FUCKING MONEY.

FUCK MY ASS HARD WITH YOUR RED PASS CARD YOU MOTHER FUCKING ASSHOLES.

Here is the best advice I can give you, once you get your money start your transition to another processor, if you don't, well.........
Also don't be surprised if they close your account for bitching about not getting your money