what are your sites? sounds like you have some serious volume

What are MIDS?

Thanks for contributing.

This isn't about my sites or volume. This is about getting Zombaio to take action and do what is right.

Mid just means Merchant Identification Number. It is just another way of saying you have a direct merchant account with an acquirer.

I would like to know what sites of yours caused this as well. Your hiding the sites is not a good indicator. Illegal content, bad traffic sources, rogue processor? One might assume your sites have everything to do with zombaio not paying you. if your sites are straight post them. I'd like to see what generates that kind of volume on a forgotten processor.

lame attempt to spy on his sites / methods, try harder

If you have 15 real MIDs, why on earth would you deal with Zombaio?

I used to process with them only until i got my own MID.

hah, no shit.

You his partner? :1orglaugh
I dont give a shit about his sites. There is obviously more to the story dumbass.

It doesn't sound like you are going to get your money back.

Sorry.

well I wish you luck in getting your money. Have a great day

sure, you are keyboard warrior fighting for justice :1orglaugh:1orglaugh:1orglaugh Cunt!

If there's something shady about his sites or traffic, lets hear the other side of the story

Dear OP and Board,
There is none stealing any money. If an account is closed with an excessive CB ratio or with penalties due to illegal transactions from Visa or MC we are holding funds until the storm is over or the fines are imposed.

Im not sure which case this is but I can guarantee none is hanging up on you on the support on any case.

OP, drop me an email please.

Good luck, hope you get your money.

Finally! thank you very much for replying. I will email you now.

dman that is lot of $

Keep us updated.

This sounds like typical ISO/third party passing the fees/fines onto the merchant who was likely doing some questionable things too.

There's not much information from either side to logically claim that its exactly this or that.

I'd be suspect of the OP's story, seems he isn't being as upfront about the situation as he should have been, but then again, it looks like he revealed what he did to provoke a response from the third party payment corp, and got precisely what he wanted, all without exposing himself or what he was doing. Its not a bad thing, I'd chalk this one up to him as a win.

Of course if you had been doing all of this through my payment system, you wouldn't be having any of these problems, because we don't practice the same nonsense that all of these third party reseller middlemen of other middlemen and zero-logic bank acquirers waste time with. But then again, it doesn't seem like you can reach our minimums anyway so I'm just going to be an asshole about it and leave it at that.

Sounds like you need to hire Sara Swirls to fight Zombaio to the death for you! :)

Jon from WF?

Yes, Richard. Why?

I hope it all works out for the OP. Good luck, kichi.

Crazy shit. Sad thing is the hold up and CB's probably had nothing to do with the OP. Somebody decided to use his site for their CC scamming and honest people get fucked while the banks protect themselves by holding the cash for months.

Tomas got back to me and they finally admitted to owing me money. The exact amount is $32,627.00

They explained how my chargebacks were too high and fines from mastercard and visa will most likely eat up all of my $32,627 but they will get back to me in September letting me know.

I know for a fact mastercard and visa will not fine me. Overall cb rate on my account was 1.69%.

Here is what most people do not understand. Visa and MasterCard look at the VOLUME and chargeback rate. If someone does 100 sale and gets 10 chargebacks, then that is a 10% cb rate. I can guarantee you that nothing will happen to that account. It doesn't work like that. Since I was also most likely on an aggregated account then it really wouldn't matter if I had one bad month.

Has anyone here ever had a Zombaio account closed and gotten paid?

You also were on a shared account. Middle men watch their accounts CBs and can load balance before it becomes a problem. The story about VISA/MC fines is bullshit.

:Oh crap

How many chargeback did you have? That have to be a LOT of chargebacks to reach those fines from mastercard and visa.

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

Nah. I load balanced this zombaio account with about 4 others and sent all 5 mid's the same traffic and I had absolutely no issues with the other accounts and cb's.

I think they switched banks. I looked at the cb's I got and they were from 4 months of sales. Why report 4 months of cb's in 1 day? I got them reported to me in 1 day! So there I was streaming along thinking everything was fine, then BAMN, 10% cb's and your account is gonzo all in 1 day. It just is not fair.

I've said it before, and I'll say it again: Never do business with any company that employs Michael O :2 cents:

I got about 50 cb's but it was 3 to 4 months worth. I didn't have any cb's for about 4 months. Then one day I get 50. Something just doesn't add up.

CB ratios are calculated on a monthly basis and taken into account for the previous month's transactions.

I am calling it now. They will send me a standard form letter that visa and mastercard send out in September stating that they were fined $15,000 to $18,000 for excessive chargebacks due to account # blah blah blah and when I ask them what account number that is they will say it was the aggregated account I was under with them.

So Basically it will prove nothing.

Hey, If they can absolutely prove that they were fined $32,000 cause of my cb's then I will come on this forum and tell the world Zombaio did NOT steal my money.

Also you usually don't get fined if you have excessive chargebacks for just 1 month. Usually you get warnings first and if it keeps continuing you get fines. Also you usually need to be above a certain amount of CBs (I think it's 150 CBs for Visa EU) in a month before it becomes really an issue.

This is correct.

Zombaio is feeding you bullshit.

:2 cents:

here comes the troll ... GTFO !!!:321GFY

They didn't steal your money they just put it on hold and hope you forget about it.

Why does everyone blame the biller for their fuck ups ...........................???????????

Yes and No....

We started processing just fine with zombaio back in 2008 for about 3 and a half years without any issues what so ever!

1 charge back and I mean literally only 1 single charge back in 3 1/2 years on thousands of transactions.

Payouts were never late until shortly after the arrival of Michael O to the company.

Payouts started to get disorderly as well as late. I mean recurring payout issues one after the other.

I came to the boards and let zombaio know it was unacceptable.

SO I knew demanding they stop screwing up payouts might have repercussions and it did...They waited for the most flimsy reason they could find to close our account and they did.

They paid me the settlements that were due and they were behind like 3 payouts, so they paid all the payouts in at once.... BUT THEY KEPT ALL REBILLS and have yet to send me any proof that they have not pocketed the 3 years of accumulated rebills

Hope this helps show you a thing or two about middlemenry and why you need to be on the offensive with them...give them an inch and they will literally take a thousand