EukerVoorn

The processor in Holland I've been working for for 15 years charges 3.5% but they don't provide with secure3D. That was the reason for me to move one site to Zombaio, as a test. Then beginning of this year they suddenly changed their rate to 7.9% without telling me first (they claim they sent a letter by mail - well I never received it), then I discovered they were charging me 9%, after I contacted support they fixed that for the transactions after that, the transactions that were charged too much were never corrected, but I could still live with all that, after all, we finally got Secure3D. Then they started to do these paranoid "merchant refunds" without contacting me and without even notifying me and without closing these refunded accounts and now this crap with MasterCard not getting through...
No harm done really, only last month was really bad for us because we must have lost 40% sales (assuming MasterCard is 40% of credit card market) and we're changing premier processors today.
More on this "merchant refunds": Zombaio does do them because they're paranoid about chargebacks. The credit card holder regrets paying the huge amount of $29.95 for porn especially when he's done doing the hand jive so they contact Zombaio and say "refund or I will complain to my bank!". Then Zombaio panicks and does the "merchant refund" and claims it's in the interest of the client. But you know what? We've been dealing with porn addicts like this for 15 years through our own direct merchant account and every time we tell them we can't do any refunds if they have used the account for downloading, and that they should complain to their bank. But they never do that. 99% of all chargebacks come from people who never accessed their accounts (because they weren't able to log in and are too shy to ask for help) and from Russians using stolen credit card details for content theft, and from others using pick up cards. In the past years we must have seen 0.1% chargebacks on Zombaio, but probably 0.5% "merchant refunds".