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Sorry if this sounds like a dumb question, but what are the alternatives?
I am a successful fetish model but small potatoes when it comes to cc processing. I don't have a members site anymore--couldn't make enough money to be worth all the time and effort I spent on it. I mainly use cc processing for the customs videos I shoot, or the occasional cam show. Quote:
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What you want is a gateway to process your information and send to the bank. This is typically Merrick bank (in the US) which is ok, there are others as well. Now a gateway is simply software, they do not look over your account, and typically provide very little support. What I am learning it is important to have a *GOOD* merchant specialist. This is the guy/girl who is your liaison between you and the bank. The person who is suppose to make sure everything is ok... the one that tells you to disperse money around when need be, etc. etc. You collect the card information on your own server... that is then simply sent to the gateway software and then comes back... yes/no. You do not want any person looking over your account and telling you what you can, and cannot do. Your responsibility is to abide by Visa/Mastercard regulations... and those regulations are NOTHING that these third party nit wits tell you. It is a process, and some important aspects to this process are required. Hit me up on my PM and leave me an email to contact you if you want. I can get you setup with everything you need. Maybe you can provide me some content for my new site in return? |
p.s. I will post back more on the VISA/MASTERCARD fees. I'm fairly certain they are not required at all. My second MID is getting set up next week and not one mention of this fee. Reason is... who's asking for it? Not my *NEW* merchant specialist... not the gateway software, not the bank... so nobody is asking for this money from what I can tell. It is a grey area, for sure, for me. IPSP (aka third party billers)... have already been labeled as HIGH RISK and Visa and Mastercard expect this fee with each new merchant.
The fees are typically $15 to $40 per month base, then around 3% plus 20 cents per transaction (something similar), and you do NOT, NOT, NOT want to be tied into anyone that claims a never returned reserve until 180 days after account closure. In fact, you can easily get setup with accounts and no reserve is ever asked for. The reason is, it's only to line someone else's pocket and it sure as hell is not the processing bank, the software gateway, or Visa/Mastercard. Find a merchant specialist that is fair... takes their couple of percent profit and are happy with that. Straight up... when push comes to shove, you should be around 6% fees, a small monthly fee, and you have to handle all of your customer service (not hard). You can go with *value* added specialists who handle all of your customer service as well, and your percent will naturally go up. Just gotta make sure your merchant specialist isn't really just a reseller for an IPSP tied into a separate gateway as well. |
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I have also spoke with a lot of people the past six months who do huge volume, and we are all testing the best setups. |
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Mitch at netbilling... From what I have seen about 7% base fees... 10% rolling reserve returned after 6 months. 4.5% above for customer support or whatever. Basically you are paying 11.5% with customer support and someone who genuinely is looking out for your best interests. I don't want to step on his toes but I know that fees can be around 6% and you just handle your own customer service. Some people don't want to do that, to each their own though. I will say that having your own MID(s) (please take note to the multiple MIDS part) can significantly increase your revenue. I am easily talking about 100% increase in revenue and it does not take a PHD to get there. I am just inherently set on finding the *best* solution possible... hence my always talking and looking. And read cig :thumbsup:pimp |
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I don't understand why people stick with unreliable processors when there are several of us in the industry who have been doing it successfully for 15+ years. Mitch |
Fucking idiot
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I actually sent out an email to someone on this forum looking for ideas on what to do. Well respected person on this board. Have not heard back. The general idea was to get people to process properly. Realize a huge percent gain in profits not seen before... take a cut of that increase. I peg online doing about 1 billion per year. What could that 1 billion be if billed properly? Quote:
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Where does the 100% increase come from? I know that a 10% bump is the common wisdom for adding cascading (even if one is not seeing a lot of declines) and I know that did not hit that metric. So I'm skeptical on increases without clear places they'd come from. |
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I thought he had it all figured out in October. Apparently he was busy inventing the electric motor. |
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Btw, stand alone 1% or 2% chargeback ratio is bullshit. |
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Just politely ask the folks who owe you dough to please pay you. I can confirm that Zombaio has had a few late payments, but they are paying and they also have low rates, no upfront charges, pleasant customer service, fast site approval, and the best user interface is the business. I want to be paid on time and more timeliness might encourage me to do more processing with a biller, but realistically the float on a few days lateness is still a heck of a lot less than the spread between them and my other biller accounts. Will I be sad if any of my billers go under? Yes. When Glo-bill tanked, SpookyCash not only lost all rebills, but I paid affiliates out of pocket. Business is risk. |
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In order to "rectify" this problem, they merely changed the payout dates in their reporting admin to make it look like payments are on time. Check my post history on matters related to zombaio, I'd been covering them quite constantly for quite some time until I realized it was a wasted effort. When we first started having problems, we were using ACH. They came up with excuse after excuse after excuse... after excuse as to why our ACH payments were late; and then eventually they told us to switch to wire and the problems would cease. We switched to wire, and lo and behold, the problems did not cease. We complained and complained about it to them, and they always give the same old one liner excuses. They eventually suggested we switch to redpass, but we refuse to do so because we are not a cash business; not to mention, it's not like there haven't been dozens of complaints regarding late redpass payments as well. Bottom line is, process with them if you dare. We've since stopped sending any new sales to them; and we'll be dropping them completely once our rebills dry up, assuming they don't go under first. |
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How great would it be if the customer and refills data actually belonged to you? Well if you have your own merchant account, it does. Just one of the advantages. Mitch |
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middle of page... left side is cc joins. right side is checking account joins. I'm not sure how that converts for you but my experience is checking account joins are no good... and a huge percentage of them chargeback. I got rid of checking joins back in 2009 I think... maybe different now? The thing though... is all that artwork and effort you put into your pre-join... why not put the same energy into join form? And who told you to put recurring... non-recurring package descriptions on your pre-join page? I'm just confused why you don't have a big ass... join my site button. Did I get passed by and little, tiny, buttons are the new *in*? |
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You're right and also you're right. When I started doing membership sites, a lot of my core demo didn't have credit cards. Not only were checks huge, but I used to do pretty decently with up-selling credit card leads on my join pages. As the industry matured, traffic from the join of a site called GothicSluts.com was not what those credit card folks wanted any more. Everyone has debit cards now, though, so that whole checks thing is a legacy holdover that needs some work. I find that a lot of non porn surfers (and quite a bit of my audience is outside the mainstream of adult) are scared they could somehow get charged if they click a join button with no explanation. But you are also totally right, especially with the evolution of mobile, that those teeny buttons are... Well, teeny. |
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A pre-join page is good for really one thing... that is collecting emails. It, in my opinion, is not the page to offer a bunch of ways to join, or options to. When I talk about a site making 100% more money, I am talking about using the pre-join page effectively, then customizing your join page via your own merchant account. Take anyone of your sites... bypass the pre-join... land directly onto epoch or ccbill, default the monthly option, I bet you see 30% more sales that way. The reason is because you are likely seeing 95% credit card joins, and your pre-join page is really just a deterrent at the moment. |
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Why do something like that? Because you are not collecting the emails... so why make them click again? Anyhoo... I can tell after looking at a couple of your sites that you are testing things all the time. Some list prices, some don't, some have bitcoin, some don't... lot's of buttons and images linking to join.html (which I'm saying get rid of... lol), etc. Quote:
I would like to reach out to you actually next week if available. Do you have setups in place which have both customer service, and no customer service available? Everyone I have talked with use your customer service, so I don't know. |
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Maybe we are all missing something here. Maybe Amelia is on the right track. Instead of complaining we should all be down on our knees licking Zombaio's asshole out in order to get them to do their jobs and make the payouts. Low rates? they increased their rates to 10.9% on the bottom end. That mythical 4.9% is only for sales volume over 75,000 per week. Pleasant customer service?? There is NO customer service. They stopped responding to tickets and just try getting a ticket responded to by red pass, your chances are better finding a winning lotto ticket on the floor of a men's restroom at the race track. Payments on time? In a few more months we'll be lucky to get any payments at all. They are running out of funds, running out of excuses and running out of time. All it will take is one month of bad summer sales to finish the job off. No new money coming in to cover the outgoing money. More and more webmasters pulling out all of which creates longer delays in getting that new money in. One week behind, turns into 2, then that turns into a month behind, it's a simple spiral down that is inevitable. Zombaio is doing everything they can to sabotage their own business. Ignoring their own clients, raising rates, constant late payouts, what else can they do to speed up the process of imploding? If that is their goal, then Zombaio is doing a great job. Keep up the praise and the Zombaio rim job. I'm sure they appreciated it. http://2.bp.blogspot.com/-rcdeyaxg8z...2011010107.jpg |
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I've seen how you have behaved in this thread. You are trashing another business from the safety of anonymity. I make it a policy to distrust people who lie about who they are. If you are, as you say, on the bottom end, maybe you need to look at whose responsibility that is. If you are as unpleasant to Zombaio as you have been to me and you are thoroughly unsuccessful, then that might be the reason you are low priority. Who would want to give someone as rude as you any customer service? Customer service would involve having to interact with you. |
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http://24.media.tumblr.com/tumblr_m0...us3o1_1280.jpg |
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You're always making the problem about me. I'm nobody. Just some words on a screen. But real people are not getting their real money. That's the problem. I thought I ordered steak, but the when the waiter brings me a shit sandwich, I guess I have to eat it with no complaints because complaining is wrong and I didn't bring my ID. |
zombo will wen processers of years 2015
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Welp, thanks to this thread I just logged into Zombaio and see I'm owed $614.
Let us see if Socks gets his money! |
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Obviously, I think Zombaio should pay as agreed. Billers paying late, even only a few days late, should worry anyone who has been in this business for any length of time. You mileage may vary, but Zombaio answers my emails. That won't comfort me much, if they stop paying, but, if your situation is not the norm, there are 2 possibilities: 1. You are making it up. 2. There is a reason your situation is different. A fake nick saying he has not been paid is just BS. If you were a real person and in the right, you would sign your name and not take the coward's way. Edit: and what are "public funds"? |
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Yes we have both options available with or without customer service. Please hit up anytime. Thanks, Mitch |
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And no, I didn't 'order a meal', that was 'an example' of my interpretation of your stance. You're not to bright on comprehension skills, so I'll keep it nice and simple for you: 1) Ice cream = Good. 2) Zombaio = Bad. |
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Aw, thanks, I was class president in 10th grade, but I'm afraid that's when my political career ended. I was referring to your restaurant analogy. I do not believe you ordered any processing. At this point, you are not even claiming to be a real person, just whining that I pointed out you are a fake nick troll. |
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Since you're so concerned about whether someone is "real" or "fake", how about you reply to my initial post in this thread which you have so conveniently ignored up until now. I am, after all, a "real" person. My gfy username is my company name, and all my sites are in my sig. So I'm curious as to how you can respond to the actual reality of Zombaio's downhill slide, which I'll paste again for you here: Quote:
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Oh and FYI, the constant string of late payments seems to be directly connected to the creation of Red Pass. If memory serves correctly, all of these late payment issues began right around the time they announced redpass. And due to the constant string of late payments at that time, it was even questioned whether zombaio was using it's clients' (our) money to fund the redpass project.
The guys at zombaio have also continuously promised to be open and transparent, but each and every time they've been called on to do so, they did the complete opposite. |
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I didn't think you said anything unreasonable or questionable, so your posting seemed to speak for itself. There would be no reason to take you to task. As I said, I'll be bummed if Zombaio stops paying. I agree with you that Red Pass launching and their payout timeline and % changing seem suspiciously to coincide. I don't have a Red Pass account because it looked like a terrible deal to me. I do send some of my joins through Zombaio, but I think it is crucial to avoid keeping all joins in one basket. It mitigates risk and competition among billers is good for programs. SpookyCash doesn't have a Zombaio option for affiliates, but we do support alternative CCBill and Epoch tours. But it is not a big emotional thing. It is just math. Irritating and disappointing math sometimes, but math nonetheless. Fake nick sock puppet trolls, on the other hand, get my back up. We all have our pet peeves. |
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