pornask

150 payment processors

bellybuttonlint

So basically you got a guy on the inside who in some form or another changed the policies just for you guys. Kizzab! ( "awesome" in my language)
thats some fucking pull!!


so...lets just say....if someone were to rob people of their due monies somewhere along the line, firstdata can say " hey loser, were not responsable for the actions of this employee...they did it on their own...behind our backs...AND WE WERENT AWARE!


lemme find out u got that dirtbag crook from paymonde stocking up on vasaline


dude, best of luck with your venture, and for future reference, pay me 65 grand and ill push ur advertisment way better.

whats up with secret santa? I need a pair of disc brakes for my 1984 buick skylark

xxweekxx

Kimmy bitch just let it go. you've been owned already a couple of times on this thread..

Ill say one thing though, in life its all about who you know, not what you know..

If you know the right people ANYTHING, absolutely ANYTHING is possible..

If example my best friend was owner of a processor that doesnt do adult, dont you think i can get him to approve my account to do adult, since i well know the owner, and whatever the owner says goes ???

My parents own a business, and I see them giving perks everytime to people they know... Heck i got my friend a job in my parents business, WITHOUT an interview... all i had to do was call my mom and ask her and put in a good word for him and he got hired the next day..

So life is all about who ya know... know the right people and you'll get anything and everything you want

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Zombaio_Tomas

We are not well connected (yet) in the adult business. But in the billing business we are, with long established relations.

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NETbilling

Kimmy,

Thank you for the mention and it is always a pleasure working with you.

Kimmy is not coming here to bash anyone. She is asking very specific and important questions and know more than almost anyone in the adult processing space. Her and I both have seen too many companies come and go over the past 10 years that have burned many merchants and friends we have made in this industry.

While I hope you do succeed even being a competitor, the questions being asked are very important to answer and backup.

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Mitch Farber
CEO - NETbilling, Inc.
Email / Phone: 888-357-8166 / 661-252-2456
Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998!

Machete_

Kimmykim, you are such a whiny bitch - maybe that is why I love you

Zombaio_Tomas

I dont think anyone here acutually think that some processor will rob them just like that. I think the main concern here is that the processor is sending uncoded transactions.

(Uncoded transaction = a transaction coded with another MCC on purpose to get better interchange fees and lower risk to be put in the global chargeback monitoring programs)

By doing this the processor acts as an IPSP without the acquirers knowledge but is really nothing more than a API merchant (unknown aggregator). Normally when MasterCard and Visa runs some test purchases on an uncoded gaming/adult/other hr site the acquirer recieves a warning. A warning from MasterCard means fines and Requirement to stop processing for the merchant for 90 days, this often leds to acquirer termination of the merchant account without notice. This can then lead to bankruptcy for the "illegal" aggregator......

Now, merchant security 101...

Run a test transaction with your new IPSP on your own debit card. Call your bank after a couple of days when the transaction is settled and ask them for the MCC code for that transaction. If the answer is MCC 5967 or 'Inbound telemarketing merchants' you are good to go. That means that the processor and the acquirer has a very good relation and trust between them.

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Shoplifter

The screenshots I have seen of your affiliate setup look really nice, and if one day it has a working FHG catalogue or RSS center for programs this would be huge. In fact I would say this is what CCBill et al should be looking to provide for clients as these services are the next natural step in the evolution of processing.

Because really other than these capabilities the benefits of backends like NATS/MPA3 are really minimal.

Developing these tools is what will make your name, not your rates. There are already a lot of excellent processors out there who are almost useless because they just don't get it.

Anyways welcome!

NickDavis

Hi Mitch.

Does NetBilling do VISA in Canada? If so is there a Fee for that (ie: $750)?
I looked on netbilling.com but didn't really see much of a breakdown for processing fees, reserve etc. Mitch, could you enlighten me?

justsexxx

This is what I got



Thank you for contacting us.

Of course, we are setting the rates at 4.9% right away! We are not charging for the affiliate system until it's been out in the market for a while and everyone seems happy with it. Still have some features to come.


Please feel free to contact us if you have any additional questions.


Sincerely,

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Questions?

ICQ: 125184542

webmasterchecks

there is a lot of mistrust in this industry because of the demise of many processors in the past, some considered stable, others not. they took a lot of peoples money with them. a short list below. but its important to build up trust and that will take time.

DMR
globill
ibill
365 billing
PSWBilling
DutchBilling
MyVirtualCard / Paymonde
probilling
WebSiteBilling
Webstream
Web800
nexusxi
PowerCharge
Digiblaze
OBSbilling
lancelot

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Webmasterchecks Affiliate Payments - fully compatible with nats/mpa3

samo

I used ZOMBAIO for about 1 month, and had about 10 sales and no charge backs. Then for no reason, they canceled my account "because of high fraud rate" they said. I don't understand, if I have 0 charge backs how did I get high fraud? Don't waste your time with them, they will just cancel you like they did me.

GonZo

Her track record and level of accuracy in these matters speak for themselves.
Solar Billing anyone?
My Virtual Card ???

Zombaio_Tomas

I think I know who you are and yes, you had 7 sales and 300 fraud attempts during one week on one of your sites, it's clear warning sign if your declines or fraud attemts is more than accepted transation. Your account is not terminated, we have two terminated accounts in total due to child protection and you are not one of them. It is only one of your sites that has been rejected.

There are many clients that CCBill and Epoch rejects or terminate that comes to us. This is our way to protect ourself.

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Zombaio_Tomas

It definitley does, take your time, read stories from clients that likes us, from dissapointed clients.. make your own oppinion, but never forget that time is $$

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Kimmykim

No, that was 42 days ago.




Nice that you have a job that allows you time to post without worrying about the boss.

SilentKnight

Hi Tomas,

I've read through all four pages of this thread with interest so far - and while a lot of the answers Tomas gives sound good (on the surface)...I definitely share KimmyKim's concerns over First Data issues.

We were among those caught up in the iBill/First Data mess years ago and I remember the details all too well.

I have difficulty believing that there's been a reversal of core policy at First Data - and at this point it sounds somewhat fishy. Saying "It comes down to who you know" doesn't cut it with me. We're talking about First Data's core policy - not a whimsical decision made by 'Bob' in cubicle #72. First Data didn't cancel iBill's ability to do transactions on a whim.

For now, we're still with Verotel (with no complaints these past few years) - but I'd certainly be interested in giving consideration to this 4.9%.

One of my other concerns is the $30 fee per payment cheque. Currently we're paid weekly through Verotel with no cheque fees. To maintain this through Zombaio - we'd be paying $120/month just to have cheques sent to us. Forgive me - but doing the math on that - I can see how Zombaio can afford to not charge the $750 Visa fee with this arrangement.

I will continue following this thread to see how it progresses.

Zombaio_Tomas

The check fee is high only because we want to send wires since they are more secure and webmasters and affiliates will not risk that they will be lost in the mail. If you still want to use checks, you should not use daily payouts, I would have used weekly or monthly.

We are integrating with both payoneer and CFT/OC so there will be more payment methods to choose from the comming months....

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SilentKnight

Thanks for the answer.

However...

In ten years we've only had one payment cheque lost through the mail - perhaps we've been lucky in that regard (shrug). A few have been slightly delayed and late, but that's not an issue for us.

But as I mentioned in my previous post - we receive them on a weekly (not daily) basis. It would cost us $1,440 in yearly cheque fees through Zombaio.

We'll keep an eye on your additional payment options in coming months, though.

And still...there is that issue about First Data that leaves me unsettled.

lagcam

OK I have read all this and clearly Tomas talks a better game than Jesper did.

HOWEVER. We gave Zombaio a chance back in March of this year and I have to admit to feeling disappointed with their service and professionalism at that time and would not recommend them to anybody.

I will not post details here for the moment, but I would ask Tomas looking into our time processing with Zombaio and replying to me direct to the registered email associated with the site below.

Emails direct to Zombaio support failed to even receive an acknowledgement.

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Working Cam site for sale - NOT affiliate.

Shaze

epassporte would be good
it's the most widely used payment system between adult webmasters

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Adult Search Engine Japanese Porn Thai Porn

Zombaio_Tomas

[QUOTE=lagcam;15218829]
I will not post details here for the moment, but I would ask Tomas looking into our time processing with Zombaio and replying to me direct to the registered email associated with the site below.
[QUOTE]

I will definitley contact you shortly... No one should have to leave us dissapointed!

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xxweekxx

a job? bitch what ya smoking..

i live in panama now and i work online and enjoy life.... you sound like a saddistic bitch who needs some sex

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I am the best

Ethersync

You should talk to RevUpCard too. They are good people.

Sid70

adding revupcard would be cool, right

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Русня, идите нахуй!

SordidMedia

Your knowledge of billing and processing far exceeds what I will ever know however the Paypal comment above...

Mature Audiences Policy

PayPal will process payments for the purchase and sale of certain sexually oriented physical goods but currently does not allow transactions for sexually oriented digital goods. PayPal also currently does not allow transactions for any sexually oriented physical or digital goods by non-U.S. residents.

Physical Goods
PayPal permits transactions for certain sexually oriented physical goods by U.S. residents. Physical goods include videos, DVDs, magazines or other tangible products physically delivered to the customer. In determining what physical goods are permitted or prohibited, PayPal may consider some or all of the following factors:

Snake Doctor

That made me chuckle. Juicy and Amp say they're ok, so I'll use them

Russert was definitely unbiased, BUT, when he would ask a tough question and the politician would go into their canned bullshit, he would let them finish, then ask again, and then let them off the hook.
With Matthews, he'll cut you off from your canned bullshit and keep asking the question, 10, 20 or 30 times until you answer it truthfully or admit you don't know the answer.
(see Chamberlain, Neville)

Yeah things like cascading, being able to pay per signup, fraud detection, different payout tiers, x-sale integration, tracking which tours and join pages are converting better.......these are "minimal" benefits.

Yeah, having RSS feed and FHG capability is what's going to "make them", not the 5% rate.....because apparently the difference in processing fee wouldn't be enough of a $$ difference for you to buy NATS.

I love how you think some processors are useless because they don't have built in affiliate tools to cater to the small fish. It's amazing sometimes to see the different thought processes of small fish versus large ones.


Anyhoo, I sure am glad I set of KimmyKim's board tracker by invoking her name in this thread.

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Lamis

Zombaio, do you process Mainstream business?

Also, can I process if I'm a physical person (not company) Out of USA and Europe?

Thanks.

arock10

That ad on gfy is annoying, but at least there is no video
but seriously, good luck guys

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Sup

Stonefects

I can't wait to see how much longer you guys hold up. For us smaller guys 10% of difference with another 5% tacked on from hold backs can become pretty significant in net profits. I might sign up and list you guys as a backup processor and run a small campaign with my own traffic and paid ads to see what comes of it, as long as I don't get canceled without notification after only 7 transactions!

Also, I keep trying to sound out your adult processing name in my head and can't seem to do it successfully.

Is it "zom-bye," "zom-bye-o," zom-bay," "zom-bay-o" or what?

I think it was asked and unanswered, or I missed the answer, but where in the hell does that name come from?

The important thing is that you guys make it look nice and everything seems very well polished. Let's get past this other skepticism about the banking, see some big boys jump in, then we can all move on in a better overall direction in this industry.

I mean it when I say the best of luck, it will benefit all of us eventually if you guys are a huge success, I can't wait to see it.

Zombaio_Tomas

We do not process mainstream business and you must be located in USA, Canada, EU, Australia, China or Japan, you can be a sole trader.

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Zombaio_Tomas

It's zom-bye-o, it's a funny story behind the name, I will use that as a cliffhanger for a while

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Stonefects

Cool, I think that was my closest guess, but I couldn't fully decide. The ad says "Say... Zombaio" and I was getting pissed because I didn't feel confident in my ability...

I guess I'll hope to come across it when you tell the story!

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Ethersync

I just read through their API documention. They have a great setup. We just decided to go with them for a new site we are in the middle of developing.

Ethersync

That clip is a fucking classic!

TiaLing

I just signed up .... after reading I'm gonna give it a try on my site thru methodcash.com .... Just waiting for them to add to nats .... will let you all know how it goes but the signup process was smooth enough ....

Tia

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Trade Traffic and hardlinks

Shoplifter

Oh? What qualities define the apparent success of CCBill as compared to other processors? They all have the same rates so it can be argued that it's the services.

So if you are using IPSP's for processing why bother with NATS? I can tell you the benefits of cascading amongst IPSP's is minimal, and I am already aware that some of the IPSP's are integrating NATS like tools and queries into their backends.

The point I am trying to make is that if you are running an IPSP it would be beneficial to consider this. I think an IPSP that can provide these tools and geniune third party accountability in their numbers would be quite a breakthrough as far as affiliates are concerned. There is a real need for this.

And the big guys who are running NATS and doing X-sales are not even reading this thread or worried about 5% rates from an IPSP, it's a different business model, indeed a different business altogether.

pornask

Thanks to the guys who are singing up and are gonna use the gateway on their new sites. I'll be eagerly awaiting your report on how you're happy with the service ;)

Brad Mitchell

Thus far an excellent read.

Clearly, I'm getting old when so many of the posts just start reminding me of high school. Calling KimmyKim a whiney old bitch and suggesting that she isn't asking questions that are in everyone's best interests is the equivalent of suggesting that Santa Claus is an evil cannibal that eats elves the day after Christmas.

Those that don't remember history are always prone to repeat it. I find it so curious the webmasters that have been hit by 2,3 even more companies who were fly-by-nights causing them to rather distinctly lose their livelihood more than once. Every time a new company comes around with a dramatically lower rate, they're the first to jump on board. It's like watching pets in a laboratory that can't learn anything via electroshock therapy.

There is always a large number of small and new webmasters who without perspective are easily drawn, never wanting to ask tough questions because as they are new with the feeling that they will conquer the world and as a result more prone to believing others with the same appearance.

I am thus far impressed with the answers from Zombaio and it their explanations do seem sincere. But this is always the case and as business and life lessons show us time and time again, things that seem too good to be true often are.

The people asking questions in this thread do deserve the benefit of the doubt. They also should command your respect for their profound experience, specifically in our industry as their continued best interests are truly the survival of what you do for a living. If you think they are just another whiny bitch, prick with an agenda - you would be sorely mistaken.

What is my concern? I don't want any more client's getting fucked and when companies topple, large and small, it affects everyone in one way or another - even those of you who think you're just an island... whether it reflects in checks you never receive from a sponsor, the price you're paying for content, price paid for hosting, attendance fees to a tradeshow, disgruntled consumers that won't click the buy button anymore - there is a price for everything.

I look forward to seeing the published legal opinion from Zombaio's lawyers and also the results of fact checking that will no doubt take place by competitors. Long term, however, even if everything is a-ok on the technical side with the MIDs and TIDS (lol, not my specialty) I will absolutely go on the record stating that 4.9% is not a sustainable retail rate for an IPSP in this category. Fantastic as a promotion and to get some traction, but in my honest opinion not something that one could expect to deliver on all levels for years to come.

I'd love for Zombai to check out, be proven viable to the community and to also have longevity in our industry. Anything that puts more $$$ in the hands of webmasters is in everyone's best interests - the community is working harder than ever to make the same and in most instances, less money.

Let's all remember that it is for this reason and for the memories of over a dozen companies that took hundreds of millions out of the pockets of thousands of companies and tens of thousands of webmasters that we are all cautious. Some failures were frauds by design, others were simply by grievous error and miscalculation.

Have a happy weekend everyone!








So what I really want to know is are Zombaio's principles George Romero fans or something? Personally, I love zombie movies. Melissa and I buy every movie with zombies and have quite the collection here.


Happy Holidays,

Brad

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71 industry awards for hosting and professional excellence since 1999

Snake Doctor

You reveal more naivete with every post. You should stop now while you still think you're ahead.

You should keep worrying about who will integrate RSS feeds and FHG databases for you because you don't have a few hundred dollars to spend on it, and leave the rest of this to the people who know what's going on.

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NickDavis

Very well said, thanks for that

SilentKnight

Fully agreed - and well said.

Those of us working on comparatively smaller profit margins simply can't afford to gamble on unproven processing services (one year doesn't make a track record IMO - although its a good start).

We nearly went insolvent during the iBill fiasco - and I wound up taking a second full-time job at the time because of it...just to continue funding our production operations while we regained momentum and clawed our way back from the brink. It was a lesson hard learned - one we don't wish to repeat anytime soon. Like Brad says - those who don't remember history are prone to repeat it.

A healthy skepticism is now part of our inherent outlook these days - but that's not to say we're not open to at least looking and asking questions. We may be somewhat small potatoes by comparison to the bigger programs these days - but we've been a mainstay in the industry a long time - and the business principles are still the same.

Shoplifter

Can you make a point? Or is it just going to be naive and uncouth assumptions?

baddog

Not what I read.

baddog

Kimmy, with all due respect, I think Tomas has answered every question you have posed, and answer you have twisted around. I have to give this one to Tomas and I would probably consider trying them out if I had the need.

baddog

Really? Is that what you walk away from this with? They have some guy on the inside?

Yeah, a bunch of guys all named Benjamin.

Money talks, bullshit walks.

baddog

I don't get why you would want a check instead of a wire if it is $20 cheaper.



You have a sister company that does?

KillerK

When you guys offer free Daily ACH deposits w/same hold period as netbilling please post and I will try you out. I am not interested in letting you hold 2 weeks of my cash.

Zombaio_Tomas

Our sister company could if you are a large European or EU re-located mainstream merchant. It's not the core business of our sister company since it is authorization and AF systems for acquiring banks, and I think there would be better with a mainstream IPSP/ISO focused on direct relations with merchants.

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baddog

Too bad.