Captain Kawaii

With our last payout we noticed some funds just disappeared. After being in contact with their customer support we learned they have added payout fees to the mix. The total cost for us to process through Zombaio and receive payment has jumped to 23% of the total due us.

Is anyone still using Zombaio and if you are, what are your total payout/processing costs?

ArsewithClass

I use ccbill & not zombaio, but.. wow, that's extortionate! Is this your primary biller?

Captain Kawaii

Hey, AWC...
No, our primary is CCBill. We started with Zombaio but have only been using them for our direct account to see if we can cut the costs from ccbills 14%...

marlboroack

Ccbill and Epoch have never let me down. Yet zombaio killed my account.

porno jew

another Zombaio success story.

Michael O

I assume this is due to the high wire fees we offer checks for a lower fee or you can raise your minimum payout.
Alternatively wait a short while for RedPass to launch then it will be possible for you to transfer to your RedPass account and then use ACH to transfer to your US bank account.

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Captain Kawaii

Where do you find those bizarre avatars? Do you live near 3 Mile Island? LOL

The upped fees are probably wire transfer fees which to be honest I ave never noticed before. They did not seem to be charging us or they were not in place...I would see processing fees taken and reserve.

If anyone uses Zombaio and they pay you by check in the US are they charging you anything?

Barry-xlovecam

ArsewithClass

No way... Always the way, you try to save money & sometimes it can cost you more... Was there no mail about this?

This is theft on a new low really

Loryn

Hey Captain... please hit me up... I think I have the perfect solution for you and there won't be anything with 23% LOL Jesus that's crazy...

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Sly

Is it 23% because it's actually 23%? Or is it 23% because there was a $25-50 wire fee that ate into a smaller sized payment?

Example A: $230 on a $1,000 payment = 23%
Example B: $23 wire fee on a $100 payment = 23%

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epitome

We are still talking about RedPass? When will people be able to use it? With the new Zombaio threads always popping up now will people trust it?

Zombaio seemed like such a great biller for a little while but I have seen so many threads lately I don't know what is what.

Did everybody that was complaining about late payments end up getting paid?

RycEric

Dump 'em.

Michael O

We charge $3.5 for US checks.
We changed banks because our old bank caused issued a couple of times where they did not send the wire on times, they were cheap and our new bank CommerzBank is a little more expensive but a lot more reliable ,we only charge what it is costing us to send the wire.

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blackmonsters

That's not an insult.

That means they don't put your business in the street about your injury and protect
your privacy.

I think.

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alias

How much is wire fee now? I know it used to be $10.

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Jakez

Soooo.. I gather from this thread that the processing fees (a percentage that hasn't changed) and payment fees (set $ amount) combined cost you 23% of what you are owed? Way to twist the truth, you made this thread as if they've raised processing fees to some absurd level.. why?

Michael O. FTW.

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Killuminati

Captain Kawaii

Yes. You guessed it. What we are ticked about is no mail notifications of fees being upped. Admin area does not show this clearly... On smaller payments, our bulk goes through ccbill, we shouldnt be doing wires. We were not seeing these fees until this time around.

Captain Kawaii

Not trying to cause the drama...Just the existence of the fee was news...We are shifting to checks until we decide what to do with the account.

Captain Kawaii

OKy, Michael. Fair enough. Just so you know we are not getting any communications about changes, seldom get sign up notifications. We often find out by accident. We get them but randomly...

I think you will agree on a smaller payout it does not make sense to use a wire...It would have been nice to be notified about fee changes. Today was a shock and news to me.

TisMe

Hey Captain Kawaii, check to see if your bank is charging you an incoming wire fee. Mine does and recently raised it to almost double what it was.

They never notified me of the change.

AmeliaG

StatsRemote works with Zombaio, if you want to be able to track in a number of different ways.

I actually think Zombaio over-communicates. Other billers don't send out notices every time some little thing changes and people do tend to flip out every time Zombaio notifies their clients about an outage or whatever.

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bean-aid

I suppose time for /endthread.

I remember when I signed up every indication was that a wire was the best way. Just assumed they were not in US and checks are obsolete in some countries.

Jakez

This is the problem with sponsors/processors/etc. It's like they're scared to email their clients or affiliates about anything negative for fear that one of them might post it on GFY and start a big shit storm that has to be sorted out.

Then there's the ones that are scared to notify about anything so they don't, and then someone finds out what's going on and starts a GFY thread about it anyways and then it all turns into some alleged closing up shop scam scenario.

I don't blame them for not notifying anyone of the 'bank change', especially since they're always on top of emailing everyone about what's going on. But they're on thin ice around here so they need to tread carefully.

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Killuminati

lagcam

Michael I think the problem here is that your bank is using correspondent intermediary banks who are also hitting your customers with a charge which means that in most cases there is the $10 Zombaio wire fee, the $20 intermediary bank fee and then again often a receiving bank fee. Still not excessive when compared to other processors but as one of the main benefits of using Zombaio was the ability to get more frequent payouts, these costs add up, and it is now significantly less cost effective to get your "daily payouts". In short you are killing one of the reasons to choose Zombaio.

You also have never communicated the $3.50 US check option. Previously your check fees were higher than wires because Zombaio didn't like sending checks. Where are you sending these checks from? And what is the estimated delivery time to a US address?

And as for Redpass..... you are now officially the last person in the world who believes that will ever happen so you really should stop talking about.

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NetHorse

Zombaio charges $30 + most U.S banks charge $15.

The thing is, they automatically subtract $15 from your earnings before creating a payout, then when the money actually reaches your bank it's minus 15. Then if your bank charges $15 for incoming fees, subtract that.

On a low minimum payout you would definitely get raped in fees. I mean $45 on a $200 payout is nearly 23% in just payout fees, add processing fees and you would be paying out your ass.

When is this supposed to come out?

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JuicyBunny

Oh, gawd...

We use a credit union. I am hoping they dont. They do not charge us for other services. In the wake of the banking BS we are keeping 11 offshore bank and US credit union and dumping the rest... Thanks for the headsup...

DamianJ

https://gfy.com/showpost.php?p=17901754&postcount=1

BIGTYMER

Bank of America is charging me $27 and I'm paying Zombaio $22. So I'm paying $49 bucks for each wire. Thats $200 a month out of my pocket. That sucks... Maybe its time for me to switch to check.

Michael O where are the checks sent from? What country?

BIGTYMER

Now I just noticed Bank of America is charging me a $12 wire transfer fee. I did a search and this is the only one. So I guess Bank of America just created a new fee. I hope this isn't per wire... If it is I'll be paying $61 per wire. $244/month. $2928/year.

Fuck Bank of America!

BIGTYMER

Fuck this shit. I'm switching to checks.

NetHorse

Okay, now I'm beginning to wonder what the fuck is going on.

Maybe I'm ignorant, I never even bothered to calculate what processing rate I was being charged up until this thread.



That is nearly 13%, what the fuck happened to 7.9%?

Man, this business, I swear to god..

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NetHorse

If you can, everyone take a look at their stats and post up what percentage you're being charged.

Thanks

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BIGTYMER

Their rates changed a few months ago. They mailed letters about it and there was a big uproar about it here.

https://www.zombaio.com/rates.asp

You're being charged 14% because you have a high chargeback rate. Your base rate of 9% + 5% for the high chargeback rate.

https://secure.zombaio.com/zoa/tool_...yout_rates.asp

"Zombaio's low transaction rates requires you to have control over your chargebacks. The chargeback ratio is the number of charge backs issued in a period of four weeks divided by the total number of transactions in that same period. If this ratio is 1.5% or more, a surcharge of 5% will apply to the base rate for that period. Once the ratio is below 1.5% your rate will be restored to the base rate. The average chargeback ratio is at 0.65% for an high risk merchant."

Michael O

Send me a email with your Merchant ID and I will look into it but the numbers matches 7.9%+5% reserve which is money you will get paid.

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Michael O

Or this.

Email me and I will find out.

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EukerVoorn

When I receive your wires my bank statement says "all costs for receiver" which is your choice whilst you could also chose for "costs for sender" or "costs split". Now if you charge your clients for wires you really should cover all costs and not let them pay by the receiver.

EukerVoorn

Raise the minimum account for payouts. Put it on $5000 then the wiring/cheque costs will be relatively lower.

Zombaio_Tomas

Hi All,
First of ALL our rates are available on our web page, that is the general signup rates. Your specific rates can be found in ZOA. If you have an account with "problem" your rate might be a bit higher than the standard rate but NEVER 23%. Our problem account is at most at 10.9 + 2-5% penalty surcharge.

The reason for why we have raised our fees is to make room for clients using both Zombaio and RedPass to get REALLY low processing rates compared to those who are not using RedPass (a way to boost RedPass) which will be launched this year.

We know that the international wire fee is a pain for many. That is why we are piloting ACH and European SEPA payments with very good result and it will be released for all clients within weeks.

Since we pay daily, you may get bashed with banking fees if you have 100 USD floor limit, and we really recommend you to set at least weekly payouts or specify a floor limit.

Anyway... ACH and EU SEPA will cut down the payout fees dramatically.

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NetHorse

I've had only one chargeback in the year and 4 months I've been with Zombaio. That chargeback was just last month as well.

I sent you an email, I forgot about the reserve though so that's probably the right rate. I apologize.

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Zombaio_Tomas

That is not true, we have a costs split and the payout fee you pay us covers the fee we have to our banking partner for payouts.

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Zombaio_Tomas

Yes, we have seen this too. That is also why ACH and SEPA is so important...

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Zombaio_Tomas

We are opening up ACH registrations later today for non-pilots. Stay tuned for the notification.

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Zombaio_Tomas

Yes, this is true. But we think it is more important to actually notify even minor problems and take the bad-will.

If I were a customer of Zombaio, I would like to have that information.

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EukerVoorn

That is not true, I have a recent electronic statement here in front of me, I copy and paste the relevant:

"KOERS AAB (USD/EUR) 0,7288630 ALLE KOSTEN T.L.V. BEGUNSTIGDE KOSTEN AAB EUR 7,00 1/CAWEN FINANCIAL GROUP AB PAYOUT ZOMB"

Now thanks for confirming that the fee you charge me is sufficient for covering the fee your bank is charging you. This means you owe me a couple of times 7 euro. And before you claim that my bank makes a mistake... I'll contact them about this tomorow anyway!

Zombaio_Tomas

Please contact our support so you can get a copy of the payout receipt where you see the MT101 message to your bank including the fee split.

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EukerVoorn

If you tell my bank they should split costs, then that's what they do because it all goes electronically so no room for human errors. So if my bank doesn't split costs, is because your system instructed their system to have me pay all the wiring costs which are 7 euro. Then at the same time you charge me 6 euro for IBAN transfer:

https://www.zombaio.com/rates.asp

I will check my bank statements to see how long this has been going on for and demand compensation from you. If you really feel my bank made an error, then it's between you and my bank, for you to sort out.

Also I see you have raised your credit card processing fees again, and again I haven't been notified about that:

https://www.zombaio.com/rates.asp

1,000 - 24,999 used to be 7.9%, but is now 9.9%

WTF?

Zombaio_Tomas

Yes, we can give you proof that we pay our part in the transfer. Ask you bank about the MT101 charge data. Also send them the receipt you will get from our support.


We don't change all existing account rates just because we update rates for new accounts. Check your account rates in ZOA, not at our general public rates.

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SwirlsGirl

Now my fellow and fellowette gfyer's are starting to get the full picture....LOL

A bank is a bank is a bank is a bank....pseudo banks and billing companies are not excepted...

you will get nickel and dimed into financial destitution....I see and battle this everyday...it is getting to the point where I have caught my own business bank shuffling transaction orders to generate fees for themselves...literally every 2 or 3 days I have to call and demand they return fees

between good cards being declined....bogus credit cards being approved...payout delays...hidden processing fee increases...you start to get the clear understanding that it is us against the banks

I know many individuals who work and for the past 6 months cannot keep their bank account positive.... the game is rigged and its is becoming more and more obvious

how long can a company count and collect thousands of dollars a week for you while only being paid peanuts for their services

sooner or later the order comes down from the very top to nickel dime, and hen peck clients by any means necessary....when they get caught....they refund fees, or engage in buck passing

IF YOU THINK THIS IS LIP SERVICE OR FANTASY THEN TAKE YOUR ASS OVER TO RIPP OFF REPORT.COM AND TYPE IN THE NAME OF ANY BIG BANK AND SEE THE THOUSANDS AND THOUSANDS OF FIRST HAND REPORTS FROM MANY SMALL BIZ OWNERS LIKE US WHO GET TAKEN TO THE CLEANERS EVERYDAY BY BANKS WHILE THE BANKS OPERATE WITH IMPUNITY

an overhaul is needed and before these billing and banking execs return the keys to the private jets they will find "OTHER ways" to increase profit

remember merhchants you are producers with tangible goods and serives to offer....parasites can only exist by feeding off of merhants who produce....

understanding that if I as a parasite can insert myself or business between merchants and their customers then so long as their is a transaction to be made....I as a parasite, will get paid

when we rid ourselves of 3rd party for profit parasites it will be better for merhchants and customers alike

of course if you are a big fish client with big volume and big bank account you do not have payout delays, funny stats, excessive declines,etc... you are given a different set of rules

TisMe

SwirlsGirl, wasn't that you complaining when Zombaio wouldn't charge your customers for a site that was down?


Yeah, they're the parasites