Zombaio not processing MasterCard anymore?

[EukerVoorn]

Hello,

This is my first post, so a little introduction: I'm a content producer in France. Hello!

I use Zombaio for processing payments for content I'm selling, been having huge problems with them for months already and it's getting worse every day. About 2 months ago many transactions started to get declined by their fraud prevention. I and two friend tried to sign-up to my own site, didn't get through even though all cards are fine. I didn't see any connection between declined cards and brand or country etc till today. A new client wrote: "I think your site accepts Visa only. My MC card got declined, I had a chat with Zombaio and they said they don't process MasterCard anymore". After that he signed up through my other payment processor and that went fine, so nothing wrong with his card.

This comes on top of Zombaio doing random merchant refunds without bother to cancel those accounts, and not keeping their .htpasswd list on my server up to date, every month I find terminated accounts back on that password list, so these are people who stopped their subscription but continue to log-in untill their passwords are removed manually.

Today I discovered that Zombaio is now re-billing cancelled accounts. I have three accounts that were cancelled early september but Zombaio rebilled them again some days ago, at the same time they removed these accounts from the password list.

What's going on? There is no point for me contacting Zombaio about this because they stopped replying to my tickets months ago - it wasn't great before that already, I always got a "we will sort it out and get back to you" and then never heard anything again. And their live support for merchants is never online.

Any Zombaio merchants in here who aren't sure if MasterCard works on their sites... message me and I'll gladly do a test purchase on your site using my MC, just as long as you promise to refund payment to me immediately.

Euker

[porno jew]

another Zombaio success story.

[TubeSubmitters]

zombaio is dead

[EukerVoorn]

lol thanks :-)

[babymaker]

Originally Posted by EukerVoorn

Today I discovered that Zombaio is now re-billing cancelled accounts. I have three accounts that were cancelled early september but Zombaio rebilled them again some days ago, at the same time they removed these accounts from the password list.

Did I read that right?? So they are billing the members like carding them and not allowing them access to the site and they had already cancelled?



Hope I read that wrong

[Robbie]

Originally Posted by EukerVoorn

Any Zombaio merchants in here who aren't sure if MasterCard works on their sites... message me and I'll gladly do a test purchase on your site using my MC, just as long as you promise to refund payment to me immediately.

Euker

If they stopped taking MasterCard...then why would anybody need to refund you if you did a test signup with your MasterCard on their site?

[adultzone]

Why keep complaining? Then change your processor!

[EukerVoorn]

Robbie, I don't know if the MC ban is only on my site, or if it's global. I would love to know. Sorry for not being clear enough on that.

[EukerVoorn]

Originally Posted by babymaker

Did I read that right?? So they are billing the members like carding them and not allowing them access to the site and they had already cancelled?



Hope I read that wrong

No you read that 100% right, thanks for understanding my French :-)
I did the weekly "compare Zombaio list to server password list" routine today and found 3 accounts still live but already removed from the server password list by Zombaio. Located those 3 accounts, all three say: cancelled (somewhere beginning of Sep), and all three were rebilled some days ago. So Zombaio billed them AFTER they cancelled their accounts AND they already removed their accounts from the password list so they can't use the accounts they're still paying for. I made screengrabs of everything. Like I said.. no point to contact Zombaio about it because they won't even bother to reply. I think they really have no clue anymore what they are doing.

[signupdamnit]

It wouldn't surprise me but let's see what they have to say. Processors need to watch out or they very well could get the kick from Visa or Mastercard if it hasn't already happened. I really hope some will wise up and quit processing for scams and borderline scams. Most of us built our business by not partaking in this crap. There's no reason to start now. You're just playing Russian Roulette and one day your number will come.

[Robbie]

Originally Posted by EukerVoorn

Robbie, I don't know if the MC ban is only on my site, or if it's global. I would love to know. Sorry for not being clear enough on that.

This is what I see in my company info in Zombaio:
Visa International Active
MasterCard International Active
JCB Cards Active
S2 Services Active

[candyflip]

Looks active on my end.

[EukerVoorn]

Here those 4 cards show active in my company info as well. Now if I sign up to my own site using my own MasterCard, everything works fine, I get directed to the site of my own bank to enter the security code, which gets accepted by my bank, then I get sent back to Zombaio and they give me a "your credit card is declined - The credit card that you entered has been declined by the issuer or by the advanced anti fraud system."
I asked two friends to try as well, both got declined. Both have MasterCards. You can't check in your processed payments log if MasterCards are being processed because they don't show the first card digits. So MasterCard being indicated as active in your account really doesn't say anything. But check your reports / reports / transaction report / declined transactions will tell you a lot as well. The normal percentage of declined transactions should be 10%. Mine has been about 50% lately and you see a lot of multiple attemps from people who have cards that don't have any problem and think they entered the wrong CVC or exp date probably.

[BIGTYMER]

Dude if you're so unhappy change processors!

Zombaio works just fine for me.

[BIGTYMER]

Originally Posted by EukerVoorn

No you read that 100% right, thanks for understanding my French :-)
I did the weekly "compare Zombaio list to server password list" routine today and found 3 accounts still live but already removed from the server password list by Zombaio. Located those 3 accounts, all three say: cancelled (somewhere beginning of Sep), and all three were rebilled some days ago. So Zombaio billed them AFTER they cancelled their accounts AND they already removed their accounts from the password list so they can't use the accounts they're still paying for. I made screengrabs of everything. Like I said.. no point to contact Zombaio about it because they won't even bother to reply. I think they really have no clue anymore what they are doing.

Those are huge claims. Post proof or ban. You also need to show proof the customers were billed. I'm not sure how you're going to prove that.

[EukerVoorn]

Originally Posted by BIGTYMER

Those are huge claims. Post proof or ban. You also need to show proof the customers were billed. I'm not sure how you're going to prove that.

They are facts. I wouldn't make such claims after double checking and making screengrabs first and it's the Zombaio approved transaction report that says that these cancelled subscriptions have been billed again.

[BIGTYMER]

Originally Posted by EukerVoorn

They are facts. I wouldn't make such claims after double checking and making screengrabs first and it's the Zombaio approved transaction report that says that these cancelled subscriptions have been billed again.

You have to post proof.

[bean-aid]

Zombaio missed a bunch of rebills in july I believe so maybe they hit up the ones they missed. Even if customer cancelled in august they didn't pay in july, so they "technically" might owe that month.

Obviously a fuck up with rebilling the merchant and zombaio should have just written it off. Too many potential chargebacks.

[icymelon]

Originally Posted by EukerVoorn

Hello,

This is my first post, so a little introduction: I'm a content producer in France. Hello!

I use Zombaio for processing payments for content I'm selling, been having huge problems with them for months already and it's getting worse every day. About 2 months ago many transactions started to get declined by their fraud prevention. I and two friend tried to sign-up to my own site, didn't get through even though all cards are fine. I didn't see any connection between declined cards and brand or country etc till today. A new client wrote: "I think your site accepts Visa only. My MC card got declined, I had a chat with Zombaio and they said they don't process MasterCard anymore". After that he signed up through my other payment processor and that went fine, so nothing wrong with his card.

This comes on top of Zombaio doing random merchant refunds without bother to cancel those accounts, and not keeping their .htpasswd list on my server up to date, every month I find terminated accounts back on that password list, so these are people who stopped their subscription but continue to log-in untill their passwords are removed manually.

Today I discovered that Zombaio is now re-billing cancelled accounts. I have three accounts that were cancelled early september but Zombaio rebilled them again some days ago, at the same time they removed these accounts from the password list.

What's going on? There is no point for me contacting Zombaio about this because they stopped replying to my tickets months ago - it wasn't great before that already, I always got a "we will sort it out and get back to you" and then never heard anything again. And their live support for merchants is never online.

Any Zombaio merchants in here who aren't sure if MasterCard works on their sites... message me and I'll gladly do a test purchase on your site using my MC, just as long as you promise to refund payment to me immediately.

Euker

whats your alternative processor?

[EukerVoorn]

If that's the reason it will not work because the client won't notice that billing was skipped somewhere during his subscription period but he will notice that he still gets billed AFTER his subscription period. It doesn't make any sense and yes this is like begging for chargebacks. I'll refund these payments to these people manually but it's difficult to find these kind of transactions when they happen again in the future, finding them today was a big co-incidence. It would be easier if Zombaio would update their scripts a little, how difficult is it NOT to charge a credit card if status of the subscription is "cancelled"?

[PromoterX]

I'll bet there are a few people in here who are singing the "I told ya so" tune with Zombaio these days...

Not saying every biller is doomed to fail, but they came in with such a sweet deal it seemed hard for a lot of people to say no, and now look. I guess you get what you pay for?

[BIGTYMER]

Originally Posted by PromoterX

I'll bet there are a few people in here who are singing the "I told ya so" tune with Zombaio these days...

Not saying every biller is doomed to fail, but they came in with such a sweet deal it seemed hard for a lot of people to say no, and now look. I guess you get what you pay for?

You told us so about what? The OP hasn't posted any proof.

Zombaio hasn't failed. They pay me on time and haven't missed a payment.

[Zombaio_Tomas]

EukerVoorn,
Contact me. If you got MasterCard shut down on your account then you will see a lot of declines for rebelling MasterCards obviosley. We do never charge a canceled account, that is technically impossible in the system. However, if the accounts had status U2 (Unable to rebill) and you have retires on your account we will do retries. When you say we don't remove from the htpassword file, there could be a script error.

This problems you are experiencing is most probably on your account or in your script. Contact me direct on my email so we can solve this for you.

[Zombaio_Tomas]

Originally Posted by PromoterX

I'll bet there are a few people in here who are singing the "I told ya so" tune with Zombaio these days...

Not saying every biller is doomed to fail, but they came in with such a sweet deal it seemed hard for a lot of people to say no, and now look. I guess you get what you pay for?

It's hard to compare us to competitors but external tools like Alexa shows that Zombaio today are bigger than both Verotel and Epoch making us the 2:nd adult IPSP today (size).

Yes, we had some trouble with the platform change earlier this year but it is normal that a company has some problem now and then without going out of business.

We are growing HUGE every day, and the most important thing for us is our clients, we have very high focus in developing system for quality control, and we love and want to help our clients.

I have said it so many times before, but it was 3-4 years ago now I think;
We will be here for a long long time, helping adult webmasters with the billing needs, either you "haters" like it or not.

[Harmon]

[BIGTYMER]

Great to hear Tomas!

[DWB]

Originally Posted by Robbie

This is what I see in my company info in Zombaio:
Visa International Active
MasterCard International Active
JCB Cards Active
S2 Services Active

That's what I have too.

[EukerVoorn]

Originally Posted by Zombaio_Tomas

EukerVoorn,
Contact me. If you got MasterCard shut down on your account then you will see a lot of declines for rebelling MasterCards obviosley. We do never charge a canceled account, that is technically impossible in the system. However, if the accounts had status U2 (Unable to rebill) and you have retires on your account we will do retries. When you say we don't remove from the htpassword file, there could be a script error.

This problems you are experiencing is most probably on your account or in your script. Contact me direct on my email so we can solve this for you.

Thomas,

1) I've been trying to discuss this several time with David and at first he told me he would sort it out, then he stopped communicating with me completely. I told him I would go public on this but that didn't help. I did go public on it now and that's the road I took and I'm not going back. It's too late for that. The problem with the htpasswd file has been going on for a year now and brought under Zombaio's support attention one year ago, tech people were going to sort it out and David would come back to me, which he never did and the problem persists. At first terminated accounts weren't taken off the htpasswd list, now it's the other way around; active (paid) accounts are not present on the htpasswd list. It's so easy to solve this. The problem with MasterCard not being processed comes on top of it all. What's next... freezing my account and then posting my account and processing details in here? (which would definitely be followed by the setup of zombaiosucks.com - trust me on that one)

2) I'm absolutely sure that you are billing accounts after they've been cancelled. If I write here that I have screen prints that proof it and you reply to that with a "it's impossible" then I don't even know why I should take you seriously. So I don't.

3) I'm fed up with Zombaio completely mainly for the fact that your support people have been lying to me in the past few months. Zombaio was once the cheapest processor, now they're not anymore, I could live with that. Zombaio was once great and support was great, now it isn't anymore. So I fell back to the processor I continued using for my other sites and which is cheaper than Zombaio is now and has proper support. They only don't provide with secure3D but since using Zombaio's secure3D isn't a guarantee to prevent chargebacks, it doesn't matter anymore anyway.

4) All this doesn't mean that I have to remain quiet about what I'm observing.

So keep dreaming David and keep pretending that everything is ok within your organization, and that you are not billing subscriptions after they got cancelled. I'm so happy that I don't have to be part of your crap anymore and I'm happy for you that there will be always people that will keep their tongue deep inside your ass. You may end up with about 110 of loyal clients like this, and pretend that everything is fine.

[EukerVoorn]

Originally Posted by BIGTYMER

Great to hear Tomas!

Sucker, you keep asking me for proof. But everything Tomas claims you take as the truth without asking for proof. You have a tattoo on your forehead saying: fuck me, lie to me, and I'll suck your ass!"

[EukerVoorn]

Originally Posted by Zombaio_Tomas

It's hard to compare us to competitors but external tools like Alexa shows that Zombaio today are bigger than both Verotel and Epoch making us the 2:nd adult IPSP today (size).

Yes, we had some trouble with the platform change earlier this year but it is normal that a company has some problem now and then without going out of business.

We are growing HUGE every day, and the most important thing for us is our clients, we have very high focus in developing system for quality control, and we love and want to help our clients.

I have said it so many times before, but it was 3-4 years ago now I think;
We will be here for a long long time, helping adult webmasters with the billing needs, either you "haters" like it or not.

Well if there's one thing GROWING HUGE for sure it's your ego :-)

[EukerVoorn]

Originally Posted by PromoterX

I'll bet there are a few people in here who are singing the "I told ya so" tune with Zombaio these days...

Not saying every biller is doomed to fail, but they came in with such a sweet deal it seemed hard for a lot of people to say no, and now look. I guess you get what you pay for?

The processor in Holland I've been working for for 15 years charges 3.5% but they don't provide with secure3D. That was the reason for me to move one site to Zombaio, as a test. Then beginning of this year they suddenly changed their rate to 7.9% without telling me first (they claim they sent a letter by mail - well I never received it), then I discovered they were charging me 9%, after I contacted support they fixed that for the transactions after that, the transactions that were charged too much were never corrected, but I could still live with all that, after all, we finally got Secure3D. Then they started to do these paranoid "merchant refunds" without contacting me and without even notifying me and without closing these refunded accounts and now this crap with MasterCard not getting through...
No harm done really, only last month was really bad for us because we must have lost 40% sales (assuming MasterCard is 40% of credit card market) and we're changing premier processors today.
More on this "merchant refunds": Zombaio does do them because they're paranoid about chargebacks. The credit card holder regrets paying the huge amount of $29.95 for porn especially when he's done doing the hand jive so they contact Zombaio and say "refund or I will complain to my bank!". Then Zombaio panicks and does the "merchant refund" and claims it's in the interest of the client. But you know what? We've been dealing with porn addicts like this for 15 years through our own direct merchant account and every time we tell them we can't do any refunds if they have used the account for downloading, and that they should complain to their bank. But they never do that. 99% of all chargebacks come from people who never accessed their accounts (because they weren't able to log in and are too shy to ask for help) and from Russians using stolen credit card details for content theft, and from others using pick up cards. In the past years we must have seen 0.1% chargebacks on Zombaio, but probably 0.5% "merchant refunds".

[BIGTYMER]

Big man making threats. Don't use them! I can see why they would stop replying to you.

You failed to post proof that Zombaio is charging cancelled subscriptions.

[seXXXhub]

Originally Posted by porno jew

another Zombaio success story.

[BIGTYMER]

[BIGTYMER]

Call epoch, ccbill, verotel. They will refund a customers transaction just as fast! The last thing anybody wants is a chargeback. You sound like a total noob with your bullshit claims.

[Zombaio_Tomas]

I don't understand you EukerVoorn, what are you after?

You obviously has discovered something you see as a problem, and are screaming for help, and when I reach out to you, you don't want help?

Yes, we do merchant refunds, to protect you from costly chargebacks, all IPSP's are doing this to hold the overall portfolio below 1% CB. That is why we have the billing support.

It seems that you should get your own merchant account, and own support staff and do this yourself to get it your way.

Now again, I am offering you help, I don't know your history with the support department, I don't even know which client you are. If you don't want this, I really don't know what you are after...

[Zombaio_Tomas]

If you are doing this as a "one man mission to bunch zombaio because they don't do this my way threat thing", then you really need to post some proof.

A canceled subscription is a canceled subscription, if we would bill canceled subscriptions we would be out of business in no-time due to the CB ratios. However subscription code UB or U2 (unable to re-bill, missing funds) or (unable to re-bill, other) is not canceled, will be removed from your htpassword file, and if you have retries on your account, be retried up to 5 times and if succeeded restored to subscription code 00 (active) and of course posted to your htpassword file again.

[Zombaio_Tomas]

Originally Posted by EukerVoorn

Thomas,

At first terminated accounts weren't taken off the htpasswd list, now it's the other way around; active (paid) accounts are not present on the htpasswd list. It's so easy to solve this.....

Yes, there can always be a htpassword miss-sync due to right management in linux on your server. That is a common problem that is hard to get around. Therefore you can download your latest, full-synced htpassword file in ZOA if you are experiencing this.

Go to ZOA, menu Reports -> Active Subscribers and choose export as ".htpasswd file" or if you are not using htpasswd files you can always sync with the API (TID)

[Deputy Chief Command]

oh the drama! Zombaio reminds me of http://www.zombo.com , I bet zombo.com 's support is a lot better , lol

[EukerVoorn]

Originally Posted by Zombaio_Tomas

Yes, there can always be a htpassword miss-sync due to right management in linux on your server. That is a common problem that is hard to get around. Therefore you can download your latest, full-synced htpassword file in ZOA if you are experiencing this.

Go to ZOA, menu Reports -> Active Subscribers and choose export as ".htpasswd file" or if you are not using htpasswd files you can always sync with the API (TID)

Hi Tomas,

I do have my own merchant account but don't prefer using it for reasons I explained above. The rebilling of cancelled subscriptions may have something to do with the missed rebills in July, they have nothing to do with retries of declined cards and I'm almost sure that the passwords are removed from the htpasswd list on the day the account officially terminates (due to being cancelled) and that they aren't put back on the htpasswd list when the account has been rebilled again. How can you speak of sync problems if an account has been on the passwd list at first and then when it's still being billed for, it suddenly disappears? That can never be caused by bad syncing. Now this is the problem when you continue billing accounts that were cancelled. It will cause problem on top of other problems and then you tell your client that there is maybe something wrong with linux on his server and that he can load the up-to-date htpasswd list from your server? Some other payment processors have an automatic daily rebuild of the htpasswd list. We use that too in our own billing system. Get all active accounts from your database and write it into a new htpasswd list. It's a 50 line php script and the action takes 2 seconds. I can provide you with a free copy if you want. So it's definitely NOT a common problem that's hard to get around and proper automation is your responsibility if you're providing "automatic payment solutions". You could put your energy in fixing that for a day instead of repeating yourself in here and claiming you're almost the biggest payment provider. What you do and what you provide your clients with is what makes you big, what you say makes you small. The automatic rebuild of htpasswd lists has been suggested to your support people as well some months ago, and ignored, as usual.

I'll e-mail you.

[EukerVoorn]

Originally Posted by BIGTYMER

Call epoch, ccbill, verotel. They will refund a customers transaction just as fast! The last thing anybody wants is a chargeback. You sound like a total noob with your bullshit claims.

No ass sucker, with a bunch of Amsterdam punks all bastard sons of Red Light District prostitutes we've been running more than 20 websites since 1997 and always lived by the rule that it's the credit cards that need the porn producers, and not the other way around. In 1997 we set up direct merchant accounts with (in this order) Diners Club (haha), American Express, Visa and MasterCard and at first they LOVED this new thing called netporn because they smelled the money, then they realized there are some risks being attached to this new development and they never found the right way to deal with it.

Imagine what would happen if all websites and adult payment processors would have their credit card processing accounts shut down due to chargebacks or inappropiate content of whatever? Who's then going to sell porn content to the public? Let me guess... those stinking Russian content thieves, who upload the stolen content to Rapidshare etc and they get an affiliate bonus and make some money. Then the public can download porn for free from Rapidshare, and some who want a faster download, will buy a Rapidshare account (using PayPal who provides their services to pirates but not to porn producers, where's the logic?). So this will go on for a year and what will happen next? The whole thing will dry up because nobody is producing new content anymore and then even the pirate industry dries up and then the only thing that's left to download is porn from the old days shared for free through torrents and that everybody has wanked on at least 10 times already. These content thieves aren't able to produce anything new because they're 14 year old punks probably or 30 year old nerds still living with their moms and the real porn producers quit producing because they can't make any profit because they can't accept credit card payments.

So think again... who needs who?

I'm getting so fed up with this credit card company arrogance and stupidity and for some sites I've set up gold member sections with better quality videos, exclusive content etc and accepting payment by bank transfer only and it's working. I jumped into this porn industry in 1991 because I wanted to work with naked girls and make some decent money, not because I wanted to be some puppet on a string pulled by credit card companies. At least 90% of today's web audience will NEVER pay for porn, then the rest may pay for quality porn and maybe 1% is EAGER to pay for porn and if they can't pay for their favorite porn using their credit card, they will go through the trouble of paying in an alternative way like making a bank transfer (wire). There's a new system on it's way in Europe, a one click bank transfer and I can't wait for it to be active.

It's your attitude that kills the porn industry: "we must obey to our Grand Credit Card Masters Or We Will Die - Shiver, Shiver!". But you're not a porn producer probably, so what do you know?

[Deputy Chief Command]

Originally Posted by Deputy Chief Command

oh the drama! Zombaio reminds me of http://www.zombo.com , I bet zombo.com 's support is a lot better , lol

I think zombo.com deserves a bumpity bump bump

[Zombaio_Tomas]

Originally Posted by EukerVoorn

Hi Tomas,
...

I'll e-mail you.

EukerVoorn,

1) Yes, please do email me (nothing yet) at tomas.anderson (a-t) zombaio. com. It is much easier to know who you are, when troubleshooting this for you.

2) Stop talking about re-billing for cancelled subscription because there is not such thing. But again, if you give me a subscription id, I can have the full reason for any charge looked up for you, so please email me.

3) The problem with member sync (due to changed chmod of htpasswd) is unfortunately too common either you want to accept it or not. A member can logon to support.zombaio.com and do an automated re-sync to the script. That may be why your feedback has been ignored.

EukerVoorn, as I understand you have had bad experience with first line support for some reason, but I want to help you. And you obviously want answers so please email me.