Zombaio... very shady move

[vdbucks]

So for some reason, Zombaio has taken the stance of being a non friendly payment processor...

We submitted a new site for approval, and it was denied because we don't have the zombaio code plastered all over our web site 0 we now have to have their code displayed on our landing page 100% of the time... I'll explain why this is bad later.

They initially claimed that this was a Master Card requirement, and even attached the MC guidelines to the email. I guess they weren't expecting us to actually read it because there is no such requirement in their guidelines. And when I confronted them on this, they then said that it's not a MC requirement, rather a requirement from their "acquirer"... whoever that is.

So I emailed Michael O regarding this issue and we're basically told that we have to have their code displayed, or pay $1,000/year for MC and $750/year for Visa.

So essentially, they're taking the stance of being a non multiple payment processor friendly company.

Let me explain why having their code displaying 100% of the tim throughout our site is bad:

1. Zombaio is 1 in a list of different payment processors we use.

2. By having the zombaio code displayed 100% of the time throughout our site, it will only lead to confusion amongst potential customers. And confusion leads to mistrust. Mistrust leads to no sales. No sales means no money for anyone.

We currently use nats, and have all of our payment processors in different cascades. Those cascades are set to display randomly. So at any given time, a visitor might process through our zombaio, ccbill, epoch, verotel or netbilling cascade.

Now, when they reach the join page, ALL of the proper information is displayed for whatever cascade (biller) is active. So when they are set to process through ccbill, the ccbill disclaimers show. So on and so forth. All of the necessary payment processor is also displayed on our support page - if you joined through ccbill, click here... so on and so forth.

I should also mention that this has NEVER been a requirement in the past. We currently have 5 active sites processing through them and none of those sites were ever required to have the zombaio code showing throughout the tour. And at no time were we ever contacted to change any of the info and how we have it displayed for any of our current sites.

But now all of a sudden they take this stance.. and to be quite honest, it's the last straw for us. Zombaio used to be a good company, a great company actually.. But for little over a year now they have consistently gone down hill....

Ok, my rant is over. I'm sure some of you will be thinking "what's the big deal", well.. ensuring our customers get the proper info all the time regarding who they will be submitting their payment info and money to... and that, is a huge deal.

[Harmon]

I have said it before, I will say it again. ANYTHING Michael O is attached to, stay the fuck away. He was involved in the fucking over of 1,000's of webmasters either directly or indirectly. Fuck Mikey O, fuck Epass, fuck Zombaio. Even their name is stupid as fuck. This is not rocket science here guys and gals.

[Barefootsies]

This smells like bullshit. No offense to the O.P..

My guess is the same shit that happened to me. They want/need their details on the payment page (or whatever it was) for MasterCard or one of the credit cards. Citing that it was some sort of banking requirement. You simply had to cut and paste some code, and throw it on the join page if memory serves.

Annoyance? Sure. I do not like threats of losing my account for some minor b.s.. But it's no different than a merchant account where they have their own list of demands of things you MUST have on your website, or you are not going to be in compliance. Rules of the game.

[Fletch XXX]

so BF your exp with zomb been good?

[vdbucks]

Originally Posted by Barefootsies

This smells like bullshit. No offense to the O.P..

My guess is the same shit that happened to me. They want/need their details on the payment page (or whatever it was) for MasterCard or one of the credit cards. Citing that it was some sort of banking requirement. You simply had to cut and paste some code, and throw it on the join page if memory serves.

Annoyance? Sure. I do not like threats of losing my account for some minor b.s.. But it's no different than a merchant account where they have their own list of demands of things you MUST have on your website, or you are not going to be in compliance. Rules of the game.

Your 2cents are bullshit because quite simply, you are wrong.

Their review reply:

Unfortunately we cannot approve your site as you are missing the Merchant Identification Script required by MasterCard Rule 5.6

Read more in MasterCard Rules Chapter 5.6 (Merchant Identification and Responsibility for Transactions): http://www.mastercard.com/us/merchan...ual_public.pdf

Zombaio is your service provider and will handle the current Merchant Identification Requirements for you. By placing a -tag on the bottom, but over the tag of your:
** INDEX PAGE **
Your very first landing page when surfing in to your site/domain.

** PRE-JOIN PAGE **
Is the page on your server where you show the pricing options. This is the last page on your side before you send the customer to the payment processor.

** CONTACT PAGE **
The page where cardholders can contact you if they are experiencing problem with your site

Our reply:

I read over the Mastercard requirements and nowhere does it state that we have to display the biller codes on our site''s landing/start page. Being that we use multiple billers, having your code on our sites'' start page will only lead to confusion for the surfer because on one page it''ll say zombaio, but then the join page will say ccbill for example.

Also, having your code on our site''s start/landing page has never been a requirement in the past, and again I reiterate that it does NOT state that we must do this in the mastercard requirements documentation.

Their reply:

It's the acquirer that requires the merchant identification script to be added on the landing page, since it's their responsibility to ensure that this information is displayed to the cardholder we have to follow their requirements in order to get a site approved.

Please add the identification script to the landing page of your site and you should get the site approved by both our risk department and our acquirer.

The info is displayed on the pre-join page when that cascade is active. And is displayed on our support page 100% of the time (along with info from our other processors.)

Having this on the index/landing page tells the user right off the bat who they'll be paying through... infomation that will be wrong 80% of the time. As I said above, this will do nothing but confuse visitors and create distrust for our site, causing them not to join.

And again, since you seem to have missed it... this have NEVER, EVER been a requirement in the past, and we were NEVER, EVER contacted about this regarding any of our other sites they process for.

So how about knowing what you're talking about before giving your worthless 2cents?

[Harmon]

Originally Posted by vdbucks

Your 2cents are bullshit because quite simply, you are wrong.

Their review reply:


Our reply:


Their reply:


The info is displayed on the pre-join page when that cascade is active. And is displayed on our support page 100% of the time (along with info from our other processors.)

Having this on the index/landing page tells the user right off the bat who they'll be paying through... infomation that will be wrong 80% of the time. As I said above, this will do nothing but confuse visitors and create distrust for our site, causing them not to join.

And again, since you seem to have missed it... this have NEVER, EVER been a requirement in the past, and we were NEVER, EVER contacted about this regarding any of our other sites they process for.

So how about knowing what you're talking about before giving your worthless 2cents?

Don't bother. He's an idiot.

[mailman]

next you will be required to offer redpass to affiliates for site approval!

[DarkJedi]

all billers require this. stop crying.

[vdbucks]

Originally Posted by DarkJedi

all billers require this. stop crying.

No, they don't. Stop being an idiot.

[lucas131]

this thread is full of one big success

[Just Alex]

Originally Posted by vdbucks

No, they don't. Stop being an idiot.

I know segpay does.

[vdbucks]

Originally Posted by Just Alex

I know segpay does.

Segpay isn't "all billers". Nor do we use segpay, so it's irrelevant.

[DarkJedi]

Originally Posted by vdbucks

No, they don't. Stop being an idiot.

Segpay, Vendo, Netbilling do.

[vdbucks]

Originally Posted by DarkJedi

Segpay, Vendo, Netbilling do.

Netbilling does not. And again, segpay and vendo are not "all billers". They're not even major billers.

[DarkJedi]

Originally Posted by vdbucks

so it's irrelevant.

Then don't use the service, fucktard.

Yuo setting up you own merchant and gateway, you fucking pinoy monkey.

Originally Posted by vdbucks

They're not even major billers..

Neither is verotell dumbass.

[lagcam]

You repeatedly bash Zombaio and then want to process a new site with them?

Contradict yourself much?

[vdbucks]

Originally Posted by DarkJedi

Then don't use the service, fucktard.

Yuo setting up you own merchant and gateway, you fucking pinoy monkey.



Neither is verotell dumbass.

e-rage much? You should probably take a time out before you burn what little brain cells you have left.

[vdbucks]

Originally Posted by lagcam

You repeatedly bash Zombaio and then want to process a new site with them?

Contradict yourself much?

How is that contradictory? You confront issues you have with a business/provider and move forward if the issue is resolved. If this isn't resolved then we won't move forward with them, and will begin the process of exporting all of our recurring members to another processor.

[DarkJedi]

Originally Posted by vdbucks

If this isn't resolved then we won't move forward with them, and will begin the process of exporting all of our recurring members to another processor.

i'm sure your 2 daily sales will be missed

[vdbucks]

Originally Posted by DarkJedi

i'm sure your 2 daily sales will be missed

hahahaha funny... I mean, wow, it's so original and witty... 10 years ago.

We're actually making money as opposed to being a worthless troll like you

[BIGTYMER]

What do you expect this thread to solve? They aren't going to change the rules for you. I have the code on my stuff and you don't hear me crying about it.

[HighlyIntoxicated]

Originally Posted by DarkJedi

Yuo setting up you own merchant and gateway, you fucking pinoy monkey.

.

I didn't think racism was tolerated on gfy.

[AllAboutCams]

thank god there is no money in porn

[vdbucks]

Originally Posted by BIGTYMER

What do you expect this thread to solve? They aren't going to change the rules for you. I have the code on my stuff and you don't hear me crying about it.

That's the problem... everyone claims it's the rule and yet, zombaio themselves don't know who actually made the requirement... because it certainly wasn't MC (ccbill confirmed this for me 5 minutes ago)... and they're use of the "acquirer" seems either highly out of context or is the default reply for "we don't know".

And again, for programs who use multiple payments processors, having their info displayed 100% of the time on our index page will do nothing but create confusion. And this "requirement" is new, as it's never been a requirement in the past.

Hell, even the denial reason on our website management page in zombaio is incorrect as it says "Merchant Identification Script required on 2257 and contact page but is missing." yet that info was on those pages already....



But then, you're probably right.. making this thread probably is a waste of time considering gfy has been reduced to nothing but trolls and affiliates who don't know the first thing about running a program, let alone a nats program with multiple payment processors.

[lagcam]

Originally Posted by vdbucks

How is that contradictory? You confront issues you have with a business/provider and move forward if the issue is resolved. If this isn't resolved then we won't move forward with them, and will begin the process of exporting all of our recurring members to another processor.

Ah so they resolved your previous issue, and all was well so you thought you would add a new site with them and then you don't like one of their requirements, so you start a thread calling them shady in the thread title?

Maybe they should start a thread calling you a crybaby drama queen?

Seriously man, GFY threads should be last resorts. This isn't twitter. Threads often stay in front of peoples' eyes a long time, and those that don't open the thread will think badly of Zombaio, and those that do might think badly of you..........

[vdbucks]

Originally Posted by HighlyIntoxicated

I didn't think racism was tolerated on gfy.

It's fine.. I'm not even pinoy.. All he did was prove how much of an angry little child he is.

[DarkJedi]

Originally Posted by vdbucks

It's fine.. I'm not even pinoy.. All he did was prove how much of an angry little child he is.

And all you prove is what a fucking little crybaby attention whore you are.

[vdbucks]

Originally Posted by lagcam

Ah so they resolved your previous issue, and all was well so you thought you would add a new site with them and then you don't like one of their requirements, so you start a thread calling them shady in the thread title?

Maybe they should start a thread calling you a crybaby drama queen?

Seriously man, GFY threads should be last resorts. This isn't twitter. Threads often stay in front of peoples' eyes a long time, and those that don't open the thread will think badly of Zombaio, and those that do might think badly of you..........

We actually hate coming to gfy to make these types of posts.. but as has been proven time and time and time again.. it seems the only way to ever actually get anything taken care of.

Regarding who thinks badly of us... well, I personally don't care what the ignorant trolls who have never done anything half successful with their lives thinks of me. And I certainly don't care about being a "bro". I'm discussing a legitimate complaint because well, Zombaio has yet to get their story straight as to whom actually requires this info to be on the index page*.

Not to mention, CCBill just confirmed that this is NOT a requirement set forth by Mastercard.

[vdbucks]

Originally Posted by DarkJedi

And all you prove is what a fucking little crybaby attention whore you are.

At the very least, at least I'm not a complete and utter loser who does nothing but troll on message boards in order to make his otherwise completely insignificant life feel like it means something.

Good day.

[Barefootsies]

Originally Posted by vdbucks

Your 2cents are bullshit because quite simply, you are wrong.

You then go on to cite the exact thing I was talking about from Zombaio in regards to MC compliance, which means integrating their their code/script, and what not. Pure fucking comedy.

Unfortunately we cannot approve your site as you are missing the Merchant Identification Script required by MasterCard Rule 5.6

Read more in MasterCard Rules Chapter 5.6 (Merchant Identification and Responsibility for Transactions): http://www.mastercard.com/us/merchan...ual_public.pdf

Zombaio is your service provider and will handle the current Merchant Identification Requirements for you. By placing a -tag on the bottom, but over the tag of your:
** INDEX PAGE **
Your very first landing page when surfing in to your site/domain.

** PRE-JOIN PAGE **
Is the page on your server where you show the pricing options. This is the last page on your side before you send the customer to the payment processor.

** CONTACT PAGE **
The page where cardholders can contact you if they are experiencing problem with your site

What a fucking tool. Thanks for the laughs junior. When you actually have a REAL grievance to get pissed over. Come back and let us know. In the meantime, keep entertaining us with some more of your self ownage.

[vdbucks]

Originally Posted by Barefootsies

Then you go on to cite the exact thing I was talking about from Zombaio in regards to MC, their script, and what not. Pure fucking comedy.



What a fucking tool.

Learn to read moron. Having the code on the index page is NOT a requirement by Mastercard. Them linking to the MC requirement docs only further proves that point.

I'm sorry if you lack the necessary brain power to comprehend that fact.

[Barefootsies]

Originally Posted by vdbucks

Not to mention, CCBill just confirmed that this is NOT a requirement set forth by Mastercard.

Well then, go get your processing from CCB little lady and move on with your life.

[CrocMint]

Originally Posted by Harmon

Even their name is stupid as fuck.

:
LOL

[Barefootsies]

Originally Posted by vdbucks

Learn to read moron. Having the code on the index page is NOT a requirement by Mastercard. Them linking to the MC requirement docs only further proves that point.

Follow Zombaio's rules and requirements, or do not process with them.

It seems pretty much common sense to anyone but yourself.

[vdbucks]

Originally Posted by Barefootsies

Well then, go get your processing from CCB little lady and move on with your life.

Man, what's with all the wannabe witty lines from 10 years ago? Is it so hard to come up with your own material?

[Odysseus]

What is the problem, if you just insert a line of code?

[Barefootsies]

Originally Posted by Odysseus

What is the problem, if you just insert a line of code?

That is a little too complicated for the princess.

He would much rather make a gideongallery Federal case out of it.

[vdbucks]

Originally Posted by Barefootsies

Follow Zombaio's rules and requirements, or do not process with them.

It seems pretty much common sense to anyone but yourself.

Well, if we didn't have so many rebills processing through them then we just might... but considering we have a ton of active rebills through them, and a 1:1 retention ratio, it wouldn't make much sense to completely drop them at this stage. And they do come in handy on days when our other processors seem slow.

Not to mention, none of our other 5 sites that process through them have this info on the index page. Nor was it ever required in the past or present for those sites. Nor were we ever notified of this change in requirements. Yet all of a sudden it's a requirement.. a requirement they can't figure out who made.

[Barefootsies]

Originally Posted by vdbucks

Nor was it ever required in the past or present for those sites. Nor were we ever notified of this change in requirements. Yet all of a sudden it's a requirement.. a requirement they can't figure out who made.

Yeah, well, shit changes chief. Nature of the beast.

When I signed up for them, I was getting 4.9% and I think all new sites are at 7.9 or 9.9%. I was also hit by the same thing when I submitted a new site for processing in regards to the MC requirement. I added the script, and tada it was back to business as usual. It was not that big of a deal and took 5 minutes out of my life to accomplish.

The only 'constant' in life is 'change' champ.

[vdbucks]

Originally Posted by Odysseus

What is the problem, if you just insert a line of code?

Pretend you're a customer for a minute. You go to our site and zee this big ass zombaio info stamped on our index page. Then you reach our join page and it has epoch|ccbill|verotel info instead of zombaio's info. Would you still trust your money with our site?

I sure wouldn't. Because it's already been stated that zombaio handles our transactions then we later say, essentially, "oh wait, no it's no zombaio, it's epoch|ccbill|verotel|etc".

[BIGTYMER]

Originally Posted by CrocMint

:
LOL

And crocmint is much better.

[BIGTYMER]

Originally Posted by vdbucks

Pretend you're a customer for a minute. You go to our site and zee this big ass zombaio info stamped on our index page. Then you reach our join page and it has epoch|ccbill|verotel info instead of zombaio's info. Would you still trust your money with our site?

I sure wouldn't. Because it's already been stated that zombaio handles our transactions then we later say, essentially, "oh wait, no it's no zombaio, it's epoch|ccbill|verotel|etc".

Simple solution. Add text for all your billers along with Zombaios.

[vdbucks]

Originally Posted by Barefootsies

Yeah, well, shit changes chief. Nature of the beast.

When I signed up for them, I was getting 4.9% and I think all new sites are at 7.9 or 9.9%. I was also hit by the same thing when I submitted a new site for processing in regards to the MC requirement. I added the script, and tada it was back to business as usual. It was not that big of a deal and took 5 minutes out of my life to accomplish.

The only 'constant' in life is 'change' champ.

Oh man, you are such a fountain of knowledge and wittiness from like a decade ago...

Let me clue you in.. changes like this in business are retroactive. When requirements change, there is no grandfather clause that says "oh, well these sites were already approved so they don't need to follow the new regs". And again, this is NOT an actual requirement by MC, in which they claim it is.

[Barefootsies]

Originally Posted by vdbucks

Pretend you're a customer for a minute. You go to our site and zee this big ass zombaio info stamped on our index page. Then you reach our join page and it has epoch|ccbill|verotel info instead of zombaio's info. Would you still trust your money with our site?

I sure wouldn't. Because it's already been stated that zombaio handles our transactions then we later say, essentially, "oh wait, no it's no zombaio, it's epoch|ccbill|verotel|etc".

You make a graphic, or a disclaimer that tells the clients you have cascade billing.

You mention all of the different processing companies you use. Additionally, you tell them if there is a problem with their card, you may go through an alternate processing company. Most porn buyers should be familiar with this by now, with many porn websites.

You are not reinventing the wheel sport.

[vdbucks]

Originally Posted by BIGTYMER

Simple solution. Add text for all your billers along with Zombaios.

We considered this.. but in the end it's not a viable solution because a. no other biller we use requires this and b. it makes the pages look like shit with all that extra junk on them. The info is displayed where it needs to be displayed as set forth by the actual regulations from Mastercard and Visa. Mastercard and Visa have already approved our new site through the other processors we use.

[Michael O]

I am sorry but what MC and Visa wants, they get. Do a search here on Visa and MasterCard. We do everything by the book and if MC wants some information on your index page & join page then we have to do it. I am sorry but we won't cut corners, we are here to provide a cheap good solution.

[vdbucks]

Originally Posted by Barefootsies

You make a graphic, or a disclaimer that tells the clients you have cascade billing.

You mention all of the different processing companies you use. Additionally, you tell them if there is a problem with their card, you may go through an alternate processing company. Most porn buyers should be familiar with this by now, with many porn websites.

You are not reinventing the wheel sport.

We already do this on all of the pages where it is absolutely necessary as actually required by mastercard and visa. As in my previous reply, MC and Visa has already approved our site through our other processors. Which means there is absolutely no need to go junking up our entire site with unecessary info.

[Barefootsies]

Originally Posted by vdbucks

Let me clue you in.. changes like this in business are retroactive. When requirements change, there is no grandfather clause that says "oh, well these sites were already approved so they don't need to follow the new regs".

Really? Well I used to get gasoline for less than a dollar. Perhaps I should tell them that I am 'grandfathered in' next time I need to fill up.

Oh wait, next time I get a disclaimer from my credit card company telling me they are adding a new fee, or raising my interest rate, I should tell them someone on GFY says I am 'grandfathered in' and they can'd do that.

Originally Posted by vdbucks

this is NOT an actual requirement by MC, in which they claim it is.

You do know that Zombaio is not a U.S. based company right? That there are different rules, and fees, for different regions when it comes to VISA and MC? That they can different from the U.S. region versus the Europe region right hoss?

[vdbucks]

Originally Posted by Michael O

I am sorry but what MC and Visa wants, they get. Do a search here on Visa and MasterCard. We do everything by the book and if MC wants some information on your index page & join page then we have to do it. I am sorry but we won't cut corners, we are here to provide a cheap good solution.

So then tell me, why have MC and Visa already approved our site for payment processing for our other accounts?

[Michael O]

Originally Posted by vdbucks

Well, if we didn't have so many rebills processing through them then we just might... but considering we have a ton of active rebills through them, and a 1:1 retention ratio, it wouldn't make much sense to completely drop them at this stage. And they do come in handy on days when our other processors seem slow.

Not to mention, none of our other 5 sites that process through them have this info on the index page. Nor was it ever required in the past or present for those sites. Nor were we ever notified of this change in requirements. Yet all of a sudden it's a requirement.. a requirement they can't figure out who made.

Its grand fathered in, old sites do not have to add the code its only for new sites.