Eschaton

Ever since Zombaio started having problems paying out, our chargeback rate has gone from 0% to over 2%.

While we do 4x as much revenue via CCBill and another processor, we have ZERO chargebacks with them (suspicious).

Then, we get customers complaining about Zombaio double charging them, not responding to their requests to cancel their subscriptions, or being charged from other Zombaio companies. Zombaio also conveniently sends us broken payment notifications so our software deactivates accounts even if they pay. Several customers complained about being charged $50 from them for some webcam site from Zombaio they've never even heard of.

Now here's the kicker:
Zombaio calculates their chargeback rate by the amount AND the number. In other words, if you have 100 transactions and 1 chargeback, your chargeback rate is not 1%. It's 1% plus the amount, which ends up being over 2%. (No other processor, adult or otherwise, does this -- and their terms state they calculate by the number, not by amount or both. Another wonderful "surprise" Zombaio has come up with)

What's more, their chargeback ratio is rolling 30 days instead of the previous month. Chargeback ratio should take chargebacks in July to compare against all of June. But nope, not with Zombaio! Don't dare stop processing with them or your chargeback ratio will shoot through the roof and then they'll terminate your account and hold your funds.

Still 4 payments behind.