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Old 12-16-2008, 04:52 PM   #1
Zombaio_Tomas
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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!
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Old 12-16-2008, 05:02 PM   #2
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3 2 1 to the avalanche of questions last rep couldn't respond to :P
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Old 12-16-2008, 05:09 PM   #3
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Old 12-16-2008, 05:10 PM   #4
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nice to see a post
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Old 12-16-2008, 05:19 PM   #5
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Do you process for any recognizable sponsors that people from this board would be familiar with?
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Old 12-16-2008, 05:26 PM   #6
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Quote:
Originally Posted by pornask View Post
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
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Old 12-16-2008, 05:51 PM   #7
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Sure, Where are you based?


Do you charge a $750 visa registration fee?
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Old 12-16-2008, 05:52 PM   #8
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4.9% and 14 day holdback? For adult? Wow.
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Old 12-16-2008, 05:57 PM   #9
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Id like to hear from anyone who has done business with these guys, this is very tempting...do you do direct deposit?
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Old 12-16-2008, 05:59 PM   #10
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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.
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Old 12-16-2008, 06:02 PM   #11
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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?
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Old 12-16-2008, 06:07 PM   #12
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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
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Old 12-16-2008, 06:12 PM   #13
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Hi
Is Jesper Thörnblad still a part of the company?
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Old 12-16-2008, 06:19 PM   #14
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Never had a problem with them, we use them as backup.
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Old 12-16-2008, 06:21 PM   #15
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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.
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Old 12-16-2008, 06:24 PM   #16
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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.?
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Old 12-16-2008, 06:24 PM   #17
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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.
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Old 12-16-2008, 06:25 PM   #18
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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
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Old 12-16-2008, 06:54 PM   #19
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Wires show up like clockwork.
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Old 12-16-2008, 07:03 PM   #20
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Do you have a link that can provide more information about Zombaio IAS?
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Old 12-16-2008, 07:07 PM   #21
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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.
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Old 12-16-2008, 08:19 PM   #22
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Do you do payout via epassporte? That's my preferred method of payment.
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Old 12-16-2008, 08:25 PM   #23
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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.
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Old 12-16-2008, 08:36 PM   #24
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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?
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Old 12-16-2008, 08:39 PM   #25
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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 at 08:40 PM..
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Old 12-16-2008, 08:44 PM   #26
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I thought high risk couldnt do Verified by Visa?
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Old 12-16-2008, 09:00 PM   #27
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Zombaio Rep on ICQ or MSN?
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Old 12-16-2008, 09:02 PM   #28
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Are you guys fully integrated with NATS now?
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Old 12-16-2008, 09:03 PM   #29
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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.
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Old 12-16-2008, 09:05 PM   #30
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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.
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Old 12-16-2008, 09:07 PM   #31
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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.
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Old 12-16-2008, 09:09 PM   #32
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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
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Old 12-16-2008, 09:10 PM   #33
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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.
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Old 12-16-2008, 09:18 PM   #34
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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?
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Old 12-16-2008, 09:24 PM   #35
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what is your work around the Do you have an answer to the Canadian Visa processing problem?
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Old 12-16-2008, 09:28 PM   #36
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Zombaio Rep on ICQ or MSN?
Hit me up ICQ# 423-211-703
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Old 12-16-2008, 09:31 PM   #37
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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.
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Old 12-16-2008, 09:39 PM   #38
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so no red tape for Canadian websites? Do you have any Canadians processing with you?
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Old 12-16-2008, 09:44 PM   #39
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Do you process for high risk intangible goods that are not subscription / membership based, ie. shopping carts?
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Old 12-16-2008, 09:45 PM   #40
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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.
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Old 12-16-2008, 09:47 PM   #41
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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).
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Old 12-16-2008, 09:50 PM   #42
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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 at 09:51 PM..
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Old 12-16-2008, 09:58 PM   #43
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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.
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Old 12-16-2008, 10:58 PM   #44
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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
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Old 12-16-2008, 11:04 PM   #45
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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!
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Old 12-16-2008, 11:05 PM   #46
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what are you volume requirements? is zombaio for new affiliate programs?
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Old 12-16-2008, 11:08 PM   #47
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what are you volume requirements? is zombaio for new affiliate programs?
There are no volume requirements. 4.9% is for all new merchants.
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Old 12-16-2008, 11:09 PM   #48
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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)?
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Old 12-16-2008, 11:30 PM   #49
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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.
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Old 12-16-2008, 11:36 PM   #50
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Hit me up ICQ# 423-211-703
Kindly check your ICQ, sent you a message. Or hit me up, 1566665, thank you.
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