PornPal.com is here!! Adult billing at 3% No Start Up and No Annual Fees!!
 

After reading that, my alarm clock went off and I woke up. :(

If any of you fucking crooks from CCBill, Epoch and especially Zombaio are reading this, your day is coming soon. You've been stealing from us for years now and soon it will come to an end.

One day a company similar to PayPal will come out for adult sites with 3% transaction costs, zero start up fees, no annual fees, no Visa fees, no Master Card fees and NO 14.5% transaction fees you FUCKS!!! all those fees you FUCKING MOTHER FUCKERS have created like a fucking airline, to rob us all blind.

One day soon a company like PornPal.com will sweep in and steal all your business and leave you in the mother fucking alley, sliced, diced and anally raped, pay back for all the years you stole money from us.

BURN IN HELL YOU FUCKING ADULT CREDIT CARD PROCESSING THIEVES!!!! BURN IN MOTHER FUCKING HELL!!!!!!!

p.s. You too Zombaio!!! you have low rates, BUT YOUR PAYOUTS ARE OVER A MONTH LATE SO WHO GIVES A FUCK IF YOU HAVE GOOD RATES?? YOU DON'T MAKE PAYOUTS!!!! YOU FUCKING THIEVES YOU ARE ON TOP OF THE LIST.

the site is 401

www.virtualxs.com about 4%

Yeah and they will fail and rip you off like the rest of the fairly departed processors of the past :1orglaugh

"Yeah and they will fail and rip you off like the rest of the fairly departed processors of the past "



That is not likely as they don't ever hold your money. Funds move direct from acquiring bank to your own account. Then VXS send you an invoice for their transaction fees.

Been using them without any incident whatsoever since 2006.

One of the best keep secrets of this industry.

You need to have reasonable amount of turnover and acceptable chargeback ratios, and they don't accept everyone. But they are safe, cheap, and reliable.

This is merchant account? Not 3rd part processpr, right?

WTF?!? If only I had known about this in 2006 - DAMMIT!

We use VXS, it is a little more than 4%, I will gladly accept your offer to set it to 4% :)

Paxum can be used to receive payments (from other Paxum users), as well as to send payments.

It's always free to receive P2P payments to your Paxum account, and there is no limit to the amount you can receive.

We have Pay Now Buttons, we offer Recurring Subscriptions, and we have a comprehensive API so affiliate/campaign tracking can be accomplished through our service.

https://www.paxum.com/payment-docs/p...piIntroduction

With Paxum there are no sign-up fees, no monthly maintenance fees, and all funds from incoming payments are instantly available; there is no hold. :thumbsup

error 401 - does they process paypal?

WOW Why so angry ?

"One day soon a company like PornPal.com will sweep in and steal all your business and leave you in the mother fucking alley, sliced, diced and anally raped, pay back for all the years you stole money from us."

When do you think this day will come?

when terms like chargebacks and high risk transactions no longer exist.

Might be time to check into the reality of how high-risk processing works. :2 cents:

There is no such thing as high risk processing. That's a term MADE UP by credit card processors to steal money right out of your pockets because adult webmasters are fucking morons and believe everything they are told.

There is no risk buying digital goods online. IF the card is stolen or customer wants his money back, there is a charge back and a charge back fee. The bank makes more money on a charge backs then the initial purchase. The bank would benefit MORE if 50% of your sales were charge backs. So while most of your business is not charge backs, they will make their money the old fashioned way, by placing you in the coined 'high risk' category and charge you 14.5% AND annual fees.

The banks know your overhead is much lower on digital products, (no shipping, no physical products) so they created the category of "high risk" to justify taking a piece of your action.

Any normal vendor that sells merchandise online wouldn't pay more than 3% at the max for processing. But when CCbill took the lead years ago and created the bullshit "high risk" category, webmasters all jumped on board because with the large amounts of money they were making, they didn't mind paying 14.5% of their sales. After that, every single processor followed their lead and started charging high rates... AND when sales started to slump years ago, CCBill created the $ 750 annual Visa fee and because all webmasters are just sheep and paid it, it gave them license to create the NEW $ 500 Master card annual fee. OUT OF THIN FUCKING AIR...AND WE ALL PAID IT.

Adult webmasters are morons for paying these fees. They are not real and 100% exclusive to the 'high risk' market place. LOL Gotta love the name they created...'high risk' sounds really scarey doesn't it? It's just a mind fuck used as a platform to get more of your money.

What really cracks me up is how some webmasters DEFEND the fees and think they are all justified with their 'high risk' logic dumped in their brains by CCBill.

There is no 'high risk', there are no annual fees, it's all created and exclusive to the online adult market because most of us are morons and believe everything the banks tells us.

Fine speech!

Think you need to get out of this business. Actually any business.

You went with Zombaio because they were cheap. Not because they had a good reputation, or because they had superior systems and processes. There was only one reason to risk the lifeblood of your business with a company whose reputation and credentials were not 100% blue chip.

They, like you, were cheap.

Now they are dying because they did not have enough margin to get through a sticky patch and you are saying that processors with a higher margin (and a viable business plan) are thieves ?

Get a fucking grip of yourself and stop whining, you took the risk to save a few pennies.

Fucking amateur.

:2 cents::2 cents::2 cents::2 cents::2 cents:

Me too. What is this thread all about? What is pornpal.com ?!?

Quote for Truth

I'm one of many who believe they are dying because they took people's money from Zombaio and invested it into opening RedPass.

When they opened Redpass that was the exact time that they suddenly raised their rates, starting holding money back in "reserves" and started the first bit of not paying on time.

If they had stuck to being a billing processor, their rates were fine.

Get your own merchant account and you won't even pay that much.

But taking money that wasn't really theirs to invest in a new business was the downfall. Not lower rates.

people using all these third party idiots get what's coming.

When i saw this i thought no way any bank would do this. Imagine the lawsuit coming from paypal...

:2 cents::thumbsup

Perhaps - but can you imagine being in adult processing over the last 5 or 6 years.

Zombaio opened their business just as vast swathes of the adult market started to discover free porn. So a low margin business model that relies on big volumes to maintain itself was always going to be very difficult in a shrinking market.

However after the demise of Epass, and the continued need for alternative wallets to fund online activities, Redpass seems like a very reasonable way to increase the companies margins and viability. Making 1% on membership sites is an unsustainable model, adding extra revenues sources in a complimentary business is a necessary move.

To say that they took peoples money to invest in Redpass might be true, but I dont imagine we are talking about a lot of money. They were probably already in a considerable hole. The poor execution of Redpass showed how little time and resource had actually gone in, it was repeatedly late for launch, then full of bugs.

All too little too late.:2 cents:

I'd bet a dollah on NEVER :pimp

Really they opened with the plan of be used for gambling, then laws changed and they had to switch to serve adult:

https://www.zombaio.com/corp-overview.asp

Eventually they messed with RedPass to copy payoneer/paxum and it ended more like copying epassporte.

So, who's using them? anyone?

I have no clue how much it costs.... But I would only assume that to have a company that can actually issue a credit card probably takes a LOT of money and collateral to even be considered. Especially when the whole thing is linked to adult ("high risk" fee bullshit that MasterCard charges...Redpass is a MasterCard by the way).

All I know for damn sure is...when I first opened up a Zombaio account they were kicking ass. Everyone was sort of buzzing about them because they were able to offer lower rates than the rest of the third party guys.

I remember the last Internext that was held at The Palms Casino they had like 100 people there representing them and took up an entire section of the floor space that was set up at "Rain" nightclub for Internext.

And that was to announce Redpass.

Right after that...rates went up. There were many discussions about it on here. And Tomas came on and swore that they weren't using money from Zombaio to fund Redpass.

And then Redpass started "glitching" (turns out on purpose), where you couldn't load your money onto the card.
At first they would get it loaded for you "manually" by the next day.
But it didn't make any sense as to why you couldn't move your money straight onto the card electronically.

And the only reason I started using Redpass was because if you tried to do an ACH to your bank...it would sometimes take up to a MONTH!!!

Now Redpass is just as bad. And to top it off they are now not even doing the theoretical payout on time.

So you have to wait a month or so late to theoretically see the money. And then another month or so to finally get it in your hands.

And the whole time they were blaming everything on the bank they were using. :(

I pretty much firmly believe that the beginning of the end was when they took people's money and started Redpass.
It was a huge mistake.

If they had just stayed as a processor they would have been pretty damn big by now because they were gaining clients like crazy.
Not anymore. :(

Yes, there IS such a thing as "high risk," and no one is making it up. Gouging for it, well... yeah, maybe. I've seen the High Risk classification since I was in call centers in the 1980's. "High Risk" applied mainly to MOTO accounts in those days, when there were far fewer protections on consumers' credit cards and far more trust by merchant banks. (Not to mention, no such thing as digital goods.)

It was possible, in those days, to simply make up valid credit card numbers all day long on a simple mod-10 algorithm, make a massive, completely fraudulent deposit, suck out the money the next day and take off to Rio. As the internet came along and evolved, and banks built better mousetraps, crooks bred better mice.

Banks can not "make more money" on chargebacks if a business owner has emptied his/her deposit account and disappeared. Ohhhh, that never happens, RIGHT? Because everyone in this biz had "Saint" as their close second career choice.

Look, I'm not defending the rates themselves, and I'm certainly not defending processors that screw the little guy because of their own greed or flimsy business plans. But reality check: This is the way it is, it's infantile to take it personally, and unless you've created a better solution, all the misinformed screaming serves no purpose. In any business, one makes his/her best informed decision and hopes for the best. And sometimes gets fucked without lube. Learn and move on.

I think no one with mid to high revenue would go with any of above mentioned companies...

We use direct contracts with Acquirers (Bank) and pay 2.9% (strict policy) to 4.9% (accept many kind of content) for our High Risk stuff, we're PCI compliant and store the CC data on file alone this bump up the revenue as soon you can provide 1-click payment :-)

Very Unlikely..... but i hope something like this comes out someday
:)

Im sure they will. Billing high risk is super easy ! Banks can't WAIT to take on huge high risk portfolios these days. They have stopped looking for low risk transactions all together.

Its a miracle nobody has done what you are suggesting. So much easy money to be made.