Zombaio - CC Processing rate at 4.9%

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  • Zombaio_Tomas
    Confirmed User
    • Nov 2008
    • 382

    #1

    Zombaio - CC Processing rate at 4.9%



    This is not a special x-mas offer, this is for real!

    I know many of you think that it is impossible for high risk processors to charge you at rates close to main stream content processing. Let me explain.

    We started to process in the adult industry for over a year ago with the initial attitude that this was going to be a very tuff business when it comes to manage risk. We started to process at 10.5%, a bit under the competitors in the business, but that was our way to ?buy? market shares. After one year and processing of 211 760 adult transactions we had an internal risk assessment meeting and went through chargebacks, problems, closed websites, refunds etc during the adult year and the conclusion was that our internal anti fraud system together with Verified by Visa, MasterCard Secure Code and J/Secure did better than expected so we decided to set our rates where it should be when it comes to matching the risk.

    We process your adult credit card transactions at 4.9% with 14 days holdback and 261 paydays / year (daily payouts). Of course you can choose to have weekly or monthly payouts but the rate is always at 4.9%. We support cross sells, up sells and are integrated in both MPA3 and NATS and for smaller sites we have an integrated affiliate solution.

    Now, many of you will probably ask which acquirers we are working with, and the answer is many in different regions among First Data Germany and US, Citibank US, Nordea Sweden, BOC Cyprus, Nordea US (New York Branch).

    As Jesper said a year ago from now (with more or less luck ;)

    We are here to stay! And that has not changed!

    www.zombaio.com

    I will reply to as many questions I can this week when the banner is up, but this board is not our primary communication channel so please, if you want a reply quick, send the question to [email protected], call us or request an online chat!
  • ladida
    Confirmed User
    • Nov 2005
    • 2179

    #2
    3 2 1 to the avalanche of questions last rep couldn't respond to :P
    agentGFY *at* gmail.com

    Comment

    • The Duck
      Adult Content Provider
      • May 2005
      • 18243

      #3
      Are you Swedish?
      Skype Horusmaia
      ICQ 41555245
      Email [email protected]

      Comment

      • Sosa
        In Tushy Land
        • Oct 2002
        • 40149

        #4
        nice to see a post

        Comment

        • pornask
          So Fucking Banned
          • Aug 2006
          • 6518

          #5
          Do you process for any recognizable sponsors that people from this board would be familiar with?

          Comment

          • Zombaio_Tomas
            Confirmed User
            • Nov 2008
            • 382

            #6
            Originally posted by pornask
            Do you process for any recognizable sponsors that people from this board would be familiar with?

            Our focus 2008 was smaller merchants since NATS and MPA3 was under integration, but we have some you might know:

            http://www.megapartners.com/sites.html
            http://www.kickassratios.com/oursites
            http://affiliates.livepimpin.com/
            http://www.getnaughtycash.com/sites.html

            More on request

            Comment

            • latincashpauline
              Registered User
              • Jun 2006
              • 86

              #7
              Sure, Where are you based?


              Do you charge a $750 visa registration fee?

              Comment

              • rowan
                Too lazy to set a custom title
                • Mar 2002
                • 17393

                #8
                4.9% and 14 day holdback? For adult? Wow.

                Comment

                • mikesouth
                  Confirmed User
                  • Jun 2003
                  • 6334

                  #9
                  Id like to hear from anyone who has done business with these guys, this is very tempting...do you do direct deposit?
                  Mike South

                  It's No wonder I took up drugs and alcohol, it's the only way I could dumb myself down enough to cope with the morons in this biz.

                  Comment

                  • Zombaio_Tomas
                    Confirmed User
                    • Nov 2008
                    • 382

                    #10
                    Originally posted by latincashpauline
                    Sure, Where are you based?
                    Do you charge a $750 visa registration fee?
                    Technology Dep in Sweden, Accounting in Sweden and Cyprus and Sales and Customer Services in USA.

                    No, we don't charge the $750 registration fee right now. We would have a hard time taking over smaller merchant if we did. The registration is on us for a while, maybe forever.

                    Comment

                    • Phil
                      Confirmed User
                      • Jan 2004
                      • 7659

                      #11
                      Originally posted by Zombaio_Tomas
                      Technology Dep in Sweden, Accounting in Sweden and Cyprus and Sales and Customer Services in USA.

                      No, we don't charge the $750 registration fee right now. We would have a hard time taking over smaller merchant if we did. The registration is on us for a while, maybe forever.
                      No $750 fee even for US based webmasters?

                      whats with Principal information, including ID#/passport # for new accounts? Company info is not enough?
                      Ask Phil

                      Comment

                      • Zombaio_Tomas
                        Confirmed User
                        • Nov 2008
                        • 382

                        #12
                        Originally posted by CAMOKAT
                        No $750 fee even for US based webmasters?

                        whats with Principal information, including ID#/passport # for new accounts? Company info is not enough?
                        Of course we need principal information including copy of identification (id,dl,pass etc) but it is a very easy process and if you have a scanner it normally does not take you more than 10 minutes to complete our registration process.

                        Before you start, check if your site is compliant here:
                        https://www.zombaio.com/SiteChecker.asp

                        Comment

                        • Machete_
                          WINNING!
                          • Oct 2002
                          • 14579

                          #13
                          Hi
                          Is Jesper Thörnblad still a part of the company?

                          Comment

                          • NaughtyRob
                            Two fresh affiliate progs
                            • Nov 2004
                            • 29602

                            #14
                            Never had a problem with them, we use them as backup.
                            [email protected]
                            Skype: 17026955414
                            Vacares Web Hosting - Protect Your Ass with Included Daily Backups

                            Comment

                            • NaughtyRob
                              Two fresh affiliate progs
                              • Nov 2004
                              • 29602

                              #15
                              Originally posted by mikesouth
                              Id like to hear from anyone who has done business with these guys, this is very tempting...do you do direct deposit?
                              Not sure if they do that, but they do wires and on time, no problems.
                              [email protected]
                              Skype: 17026955414
                              Vacares Web Hosting - Protect Your Ass with Included Daily Backups

                              Comment

                              • latincashpauline
                                Registered User
                                • Jun 2006
                                • 86

                                #16
                                How does your company comply with cross border acquiring if your based overseas, and a merchant is based in the U.S. if your bank is not located in the U.S.?

                                Comment

                                • Zombaio_Tomas
                                  Confirmed User
                                  • Nov 2008
                                  • 382

                                  #17
                                  Originally posted by ebus_dk
                                  Hi
                                  Is Jesper Thörnblad still a part of the company?
                                  Not a part of the company, but we have an Jesper Thörnblad working on our sales department.

                                  Comment

                                  • Zombaio_Tomas
                                    Confirmed User
                                    • Nov 2008
                                    • 382

                                    #18
                                    Originally posted by latincashpauline
                                    How does your company comply with cross border acquiring if your based overseas, and a merchant is based in the U.S. if your bank is not located in the U.S.?
                                    We have banks located in the US
                                    Last edited by Zombaio_Tomas; 12-16-2008, 04:27 PM.

                                    Comment

                                    • TisMe
                                      Confirmed User
                                      • Aug 2008
                                      • 1719

                                      #19
                                      Wires show up like clockwork.

                                      Comment

                                      • NinjaSteve
                                        Too lazy to set a custom title
                                        • Dec 2003
                                        • 11089

                                        #20
                                        Do you have a link that can provide more information about Zombaio IAS?
                                        ...

                                        Comment

                                        • Zombaio_Tomas
                                          Confirmed User
                                          • Nov 2008
                                          • 382

                                          #21
                                          Originally posted by NinjaSteve
                                          Do you have a link that can provide more information about Zombaio IAS?
                                          https://www.zombaio.com/services_affiliate_system.asp

                                          On this URL you will find some information and screenshots.

                                          Comment

                                          • BlueDude
                                            Confirmed User
                                            • Apr 2008
                                            • 271

                                            #22
                                            Do you do payout via epassporte? That's my preferred method of payment.

                                            Comment

                                            • Zombaio_Tomas
                                              Confirmed User
                                              • Nov 2008
                                              • 382

                                              #23
                                              Originally posted by BlueDude
                                              Do you do payout via epassporte? That's my preferred method of payment.
                                              We do not payout to epass, but we are setting up OC/CFT payments right now which means that we can deposit funds to ANY credit or debit Visa or MasterCard. The process is in it's initial testing phase (pilot) with MasterCard right now and as it looks now it will be available in mid Jan.

                                              We will also issue own MasterCard debit cards from May 2009 connected direct to your merchant account.

                                              Comment

                                              • NickDavis
                                                Confirmed User
                                                • Nov 2006
                                                • 269

                                                #24
                                                I simply, dont understand how any of this is possible...

                                                No Reserve
                                                No $750 Visa Fee
                                                4.9% Processing Fee

                                                How long has this company been around, and who's to say it's not just another Paymonde situation? Where did these guys come from, and what's their credibility?

                                                Comment

                                                • Shoplifter
                                                  Richest man in Babylon
                                                  • Jan 2002
                                                  • 5846

                                                  #25
                                                  So your IAS has a working RSS and FHG system now? Can I get a look at this somehow?
                                                  Last edited by Shoplifter; 12-16-2008, 06:40 PM.

                                                  Comment

                                                  • tony299
                                                    lurker
                                                    • Aug 2002
                                                    • 57021

                                                    #26
                                                    I thought high risk couldnt do Verified by Visa?

                                                    Comment

                                                    • NickDavis
                                                      Confirmed User
                                                      • Nov 2006
                                                      • 269

                                                      #27
                                                      Zombaio Rep on ICQ or MSN?

                                                      Comment

                                                      • madm1k3
                                                        Confirmed User
                                                        • Jul 2005
                                                        • 472

                                                        #28
                                                        Are you guys fully integrated with NATS now?
                                                        Always looking for trades on Linkspun! Check my Id here

                                                        Comment

                                                        • Zombaio_Tomas
                                                          Confirmed User
                                                          • Nov 2008
                                                          • 382

                                                          #29
                                                          Originally posted by Shoplifter
                                                          So your IAS has a working RSS and FHG system now? Can I get a look at this somehow?
                                                          RSS and FHG are upcomming features in IAS. Remember, IAS is just a bi-product to the processing services for small merchants. For larget merchants we recommend NATS or MPA3.

                                                          Comment

                                                          • Zombaio_Tomas
                                                            Confirmed User
                                                            • Nov 2008
                                                            • 382

                                                            #30
                                                            Originally posted by tony404
                                                            I thought high risk couldnt do Verified by Visa?
                                                            No, absolutely not, but if the chargeback ratio raises above 1% the insurance given to the merchant by Verified by Visa is gone.

                                                            Comment

                                                            • Zombaio_Tomas
                                                              Confirmed User
                                                              • Nov 2008
                                                              • 382

                                                              #31
                                                              Originally posted by madm1k3
                                                              Are you guys fully integrated with NATS now?
                                                              Yes we are.
                                                              If you are using NATS and want to add Zombaio as biller, please submit a new ticket using TMM's support system.

                                                              Comment

                                                              • tony299
                                                                lurker
                                                                • Aug 2002
                                                                • 57021

                                                                #32
                                                                Originally posted by Zombaio_Tomas
                                                                No, absolutely not, but if the chargeback ratio raises above 1% the insurance given to the merchant by Verified by Visa is gone.
                                                                thank you for your answer

                                                                Comment

                                                                • Zombaio_Tomas
                                                                  Confirmed User
                                                                  • Nov 2008
                                                                  • 382

                                                                  #33
                                                                  Originally posted by NickDavis
                                                                  Zombaio Rep on ICQ or MSN?
                                                                  No, but we have a very good online chat feature on www.zombaio.com. Please request a chat session there.

                                                                  Comment

                                                                  • pornask
                                                                    So Fucking Banned
                                                                    • Aug 2006
                                                                    • 6518

                                                                    #34
                                                                    Tomas, do you accept websites from Canada? If so, what is your work around the Do you have an answer to the Canadian Visa processing problem?

                                                                    Comment

                                                                    • pornask
                                                                      So Fucking Banned
                                                                      • Aug 2006
                                                                      • 6518

                                                                      #35
                                                                      Originally posted by pornask
                                                                      what is your work around the Do you have an answer to the Canadian Visa processing problem?

                                                                      Comment

                                                                      • Zombaio_Tomas
                                                                        Confirmed User
                                                                        • Nov 2008
                                                                        • 382

                                                                        #36
                                                                        Originally posted by NickDavis
                                                                        Zombaio Rep on ICQ or MSN?
                                                                        Hit me up ICQ# 423-211-703

                                                                        Comment

                                                                        • Zombaio_Tomas
                                                                          Confirmed User
                                                                          • Nov 2008
                                                                          • 382

                                                                          #37
                                                                          Originally posted by pornask
                                                                          Tomas, do you accept websites from Canada? If so, what is your work around the Do you have an answer to the Canadian Visa processing problem?
                                                                          There is no canadian processing problem. Several of our US acquirers accept CA Merchants. I think even CCBill accept canadian merchants now.

                                                                          Comment

                                                                          • pornask
                                                                            So Fucking Banned
                                                                            • Aug 2006
                                                                            • 6518

                                                                            #38
                                                                            so no red tape for Canadian websites? Do you have any Canadians processing with you?

                                                                            Comment

                                                                            • dready
                                                                              Confirmed User
                                                                              • Oct 2002
                                                                              • 5247

                                                                              #39
                                                                              Do you process for high risk intangible goods that are not subscription / membership based, ie. shopping carts?
                                                                              ICQ: 91139591

                                                                              Comment

                                                                              • Zombaio_Tomas
                                                                                Confirmed User
                                                                                • Nov 2008
                                                                                • 382

                                                                                #40
                                                                                Originally posted by pornask
                                                                                so no red tape for Canadian websites? Do you have any Canadians processing with you?
                                                                                Yes we accept CA merchants, and we have for over a year now.

                                                                                Comment

                                                                                • Zombaio_Tomas
                                                                                  Confirmed User
                                                                                  • Nov 2008
                                                                                  • 382

                                                                                  #41
                                                                                  Originally posted by dready
                                                                                  Do you process for high risk intangible goods that are not subscription / membership based, ie. shopping carts?
                                                                                  No, we are unfortunatley not. Just adult online content membership sites / webcam sites / credit purchase sites (prepaid).
                                                                                  Last edited by Zombaio_Tomas; 12-16-2008, 07:50 PM.

                                                                                  Comment

                                                                                  • cwd
                                                                                    Confirmed User
                                                                                    • Feb 2006
                                                                                    • 1955

                                                                                    #42
                                                                                    What happen to my members information database ( read here CC info ) if Zombaio go out of business.

                                                                                    I will be able to transfert my rebilling members to another billing compagny?

                                                                                    Is it true that these data belong to the billing compagny and not to the websites owners when you deal with a third party billing like Zombaio.



                                                                                    Thanks
                                                                                    Last edited by cwd; 12-16-2008, 07:51 PM.

                                                                                    Comment

                                                                                    • Zombaio_Tomas
                                                                                      Confirmed User
                                                                                      • Nov 2008
                                                                                      • 382

                                                                                      #43
                                                                                      Originally posted by cwd
                                                                                      What happen to my members information database ( read here CC info ) if Zombaio go out of business.

                                                                                      Is it true that these data belong to the billing compagny and not to the websites owners when you deal with a third party billing like Zombaio.

                                                                                      I will be able to transfert my rebilling members to another billing compagny?

                                                                                      Thanks
                                                                                      Well, this is actually a very good question.

                                                                                      All processors are since 2006 required following the PCI DSS requirements which make it strictly forbidden to transfer billing data to a non-PCI entity, such as the merchant. But it is allowed to send billing data to another PCI entity if encrypted.

                                                                                      The problem here is that the process between the processors needs to be seamless, and if it was, it would be very easy to change processor. And that is of course not in every processors best interest.

                                                                                      Comment

                                                                                      • mikesouth
                                                                                        Confirmed User
                                                                                        • Jun 2003
                                                                                        • 6334

                                                                                        #44
                                                                                        I like the way you guys do business I must admit I think Im gonna give yall a try youd save me a PILE of cash
                                                                                        Mike South

                                                                                        It's No wonder I took up drugs and alcohol, it's the only way I could dumb myself down enough to cope with the morons in this biz.

                                                                                        Comment

                                                                                        • Zombaio_Tomas
                                                                                          Confirmed User
                                                                                          • Nov 2008
                                                                                          • 382

                                                                                          #45
                                                                                          Originally posted by mikesouth
                                                                                          I like the way you guys do business I must admit I think Im gonna give yall a try youd save me a PILE of cash
                                                                                          That sounds very good, we will definitely not disappoint you! Welcome!

                                                                                          Comment

                                                                                          • kmanrox
                                                                                            aka K-Man
                                                                                            • Oct 2001
                                                                                            • 29295

                                                                                            #46
                                                                                            what are you volume requirements? is zombaio for new affiliate programs?
                                                                                            Crypto HODLr
                                                                                            Crypto mining
                                                                                            Angel investor

                                                                                            Comment

                                                                                            • Zombaio_Tomas
                                                                                              Confirmed User
                                                                                              • Nov 2008
                                                                                              • 382

                                                                                              #47
                                                                                              Originally posted by kmanrox
                                                                                              what are you volume requirements? is zombaio for new affiliate programs?
                                                                                              There are no volume requirements. 4.9% is for all new merchants.

                                                                                              Comment

                                                                                              • Pics Traffic
                                                                                                Confirmed User
                                                                                                • Jun 2004
                                                                                                • 3055

                                                                                                #48
                                                                                                Originally posted by Zombaio_Tomas
                                                                                                Yes we accept CA merchants, and we have for over a year now.
                                                                                                Does it have to be Canadian based company or any sole proprietorship (self employed)?
                                                                                                My Network Is Waiting For Your Fuckin' Trade!

                                                                                                Comment

                                                                                                • Jim_Gunn
                                                                                                  Confirmed User
                                                                                                  • Feb 2003
                                                                                                  • 5702

                                                                                                  #49
                                                                                                  Wow, 4.9% rate, no rolling reserve, no per transaction fee and no minimum volume? Sounds almost too good to be true. I have a VOD site that needs processing, I may have to hit you up.

                                                                                                  Comment

                                                                                                  • DamageX
                                                                                                    Marketing & Strategy
                                                                                                    • Jun 2001
                                                                                                    • 14293

                                                                                                    #50
                                                                                                    Originally posted by Zombaio_Tomas
                                                                                                    Hit me up ICQ# 423-211-703
                                                                                                    Kindly check your ICQ, sent you a message. Or hit me up, 1566665, thank you.
                                                                                                    Whitehat is for chumps

                                                                                                    If you don't do it, somebody else will - true story!

                                                                                                    Comment

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