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The problem is with credit cards, Swirl. You'll always need third parties for processing them. I thought the risk with Zombaio isn't that big because you can have weekly payouts with a 5% rollback. So worst case scenario is that you lose your final (few) payment(s). Then you need to make sure those payments are being transfered to your own bank account and not that of some other middle men or accountant.
I'm expecting a lot from the European Direct Debit system which comes down to a direct transfer from your client's bank account to your bank account which can't be charged back. Do you or will you get something like that in the USA?
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