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  1. #1
    Join Date
    Jun 2005
    Location
    Europe
    Posts
    121

    Anyone worked with zombaio.com? (adult billing system)

    Hi all! I've just found out about http://www.zombaio.com. Is any one using them? Are they good/stable?
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  2. #2
    Join Date
    Nov 2004
    Location
    Costa Rica
    Posts
    180
    Hey,
    Never heard of them before and I'm familiar with the major processors in that industry. Their rates and features (10.5% or less for adult, fraud insurance, and daily payouts!) seem too good to be true. Don't know if I'd trust them -- but if they're real they look really, really good.
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  3. #3
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490
    Doubt very much that they are real. Daily payouts would almost be impossible if you are not a bank yourself or if the bank does the payouts themselves directly to the merchants.
    If its too good to be true it often is.....Be careful.
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  4. #4
    Mikey009 Guest
    Seems like a real corporation to me.

    If they are a fraud ,they are very organised with live chat, PCI compliance, big advertising budget (there have popped up like everywhere the last week)

    8.50%, daily payout insted of 16.00%, weekly payouts with epoch... im am ready to take the risk
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  5. #5
    Join Date
    Jul 2003
    Location
    Castle Pines, CO
    Posts
    7,189
    Check out the GFY website. If they have been in business for less than a year - don't use them. Card Sharks come to mind. The adult / pharmacy processing business is similar to the ecommerce business years ago. Not many processors and some "merchant account providers" took advantage of it. You will see the same thing in this business for awhile until it stabilizes
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  6. #6
    Mikey009 Guest
    I have now signed up with Zombaio. And I have a good impression of the company so far. I doubt they are a sharks, but I'll find out...

    To good to be true.. well.. a merchant account with UBS or DB for POS is 3.50%, daily payouts. A processing fee from Zombaio at 7% and up sounds fair to me. It's not that they promise “Increase sales by 1,500%.”
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  7. #7
    Mikey009 Guest
    Recieved my first payment from Zombaio today. One day late but thats cuz my bank int the quickest. So I guess it's confirmed

    They are real...
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  8. #8
    Join Date
    Nov 2007
    Location
    Nampa, ID
    Posts
    1

    *

    Quote Originally Posted by Mikey009 View Post
    Recieved my first payment from Zombaio today. One day late but thats cuz my bank int the quickest. So I guess it's confirmed

    They are real...
    Still real? I wouldn't call just one transfer proof, but a sustained amount of time would prove it. They sound awesome, RSS feeds for how much money you made? Wow.

    And someone mentioned GFY, there's a thread at id 773769 that mentions them. I'm interested in Zombaio because of their fees, their features, and how awesome they sound in a world of old school processors using old school ways.
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  9. #9
    Mikey009 Guest
    Quote Originally Posted by mozTom View Post
    Still real? I wouldn't call just one transfer proof, but a sustained amount of time would prove it.
    Still working (20 payouts so far, all on time)

    There signup process took some time to finalize due to many applications but now all works just as expected.
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  10. #10
    Join Date
    Jun 2005
    Location
    Europe
    Posts
    121
    Quote Originally Posted by Mikey009 View Post
    Still working (20 payouts so far, all on time)

    There signup process took some time to finalize due to many applications but now all works just as expected.
    Mekey, do they really make daily payouts? Or you have some other arrangments with them? Did you take advantage of their affiliate scripts? If so, how do webmasters rate it, is it comfortable to work with?
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  11. #11
    Mikey009 Guest
    Yes, we get daily payouts using zombaio's third party solution. The payment platform works really well and the backoffice interface is good.

    We have not integrated the affiliate script yet since MPA3 currently is implementing zombaio, and we use MPA3. As far as I can tell zombaios own affiliate system need some attention, which I can see they are giving it (new features, menues or reports in the back office tool every day).

    I had a chat with the support guy and he told me that NATS is next up when MPA3 is done integrating.

    My appraisal is that zombaio has a good platform behind the interfaces. They does not have all reports that I excpect to see in the backoffice yet but as I said they makes changes and updates almost every day so I guess it's just a matter of time.

    I am a bit concerned about using a new product like this (they had a launch in the beginning of october 07) but I have recieved each payment. I have not had any chargebacks so I can not judge them on that part yet.
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  12. #12
    Join Date
    Jun 2005
    Location
    Europe
    Posts
    121
    Quote Originally Posted by Mikey009 View Post
    I have not had any chargebacks so I can not judge them on that part yet.
    Nice feedback. Hopefully some other merchants will add their positive reviews here as well.

    As per chargebacks - from my experience first chargebacks start to appear in 1,5-2 months of processing.
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  13. #13

    Still Developing Zombaio billong processor!

    Hi all!
    Our development dept. keep working in the implementation because they havent finish the credit processor without subscription!
    Now its all ready but we need the aprovment of them to start to work with.
    Our website didnt start to work, and we need Zombaios working Monday 17th. so, lets see how its going!
    Hopely GOOD!
    The support it´s still PERFECT!

    Will post any news ASAP!

    see ya

    Mauricio
    LiveLatins.com
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  14. #14
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490
    Just ran a check on the companies in sweden and the UK. There is no data on any of these companies according to public data available in both countries. According to these public records the companies doesnt even exist.

    The company in Sweden is also a "Handelsbolag" which is very uncommon to use. Its not a limited liability company in any way and are mostly used by people running small companies such as a garage, cleaning etc.

    For this tyoe of business I fint it extremely strange that it is a "Handelsbolag".

    There are quite a few other warning signs but I will just leave it at that. Hopefully I am wrong.
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  15. #15

    Card Expert! tnx for your research!

    What you think about this certificates?

    Both the company and the platform are Visa and MasterCard PCI DSS certified by TrustWave.

    Can see the TrustWave TRUSTED COMMERCE LOGO/LINK and the Certificate of Compliance PDF in Zombaios URL

    We´ll keep looking forward beeing positive!
    Any news of our expereince will be posted ASAP!!
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  16. #16
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490
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  17. #17
    Mikey009 Guest
    I've been processing with them for a while now and all works fine for me. The company is REAL, no doubt at all! Stop complain until they have done something wrong! Should I make a list of all times I've been screwed by CCBill, and not to forget iBill.... Zombaio seems really good, professional and well organized.


    http://kepler.sos.ca.gov/corpdata/Sh...umber=C2950347

    Found this one as well:
    http://www.xbiz.com/boards/showthread.php?t=69952
    http://www.xbiz.com/boards/showthread.php?t=70126
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  18. #18
    First of all apologies for unearthing this post from ages ago. I tried to create a link to it in a new post but apparently I can't post links yet because I am a new member of this forum.

    I would like to know if anyone has any further feedback on this company as their service sounds excellent.

    Regards,

    Clare Green.
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  19. #19
    Hi Clare

    New member like you (wonder if we are related), I have been working with Zombaio for a few months and so far excellent.

    Simon Green
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  20. #20
    Join Date
    Nov 2009
    Location
    Atlanta, GA
    Posts
    1
    The whole Zombaio thing is just a marketing hoax. I just wrote a blog about it breaking down the math. If you're a small to medium adult merchant, you end up paying around 30% or greater, not the 4.9% they advertise thanks to their 'check' and 'wire' fees.

    I wrote an article on it that I'll quote here, since I can't link the article itself yet:

    "Zombaio Payment Processing

    I've been exploring some cheaper, more direct payment alternatives lately than the massive plug-and-play CCBill, because I hate paying them 25% for practically nothing.

    I'd heard good things about Zombaio, though they're a very new company and no one's sure what to make of them. As I'm going through the sign-up process, I'm noticing a few inconsistencies, though. Firstly, they make you to through a process that 'approves' your site, but it didn't catch the fact that I use the term "Visa" on my site, which Visa does not allow without express permission, therefore if they were actually doing this as a required scan of content for Visa and Mastercard as they should be, it should have been flagged.

    Secondly, there's no start up fee or monthly fee, but that means that this is yet another company that's probably not ACTUALLY Visa compliant, because Visa itself charges a $750 fee PER MERCHANT ACCOUNT to process visa with them, and there's absolutely no getting around it if the company is ligit. The only two other companies I ran across that didn't charge this to adult merchants were two that weren't legit, and therefore blew town and ate everyone's money: Paymonde and Webstream.

    Thirdly, I had heard everyone talk about their daily payouts and low 4.9% adult merchant rates, plus their "Webcam Credit API Initiated Re-Bill" option which sounded nice, but when I went to sign up, I noticed another stupid problem... not only was that option 2% more, and sub-accounts were charged 2% more, but they only issue checks or wire, and charge a fortune to pay you either, plus they will not pay you daily/next day payouts until you've 'established proven credit history', which means basically whenever they feel like it, potentially never. They claim to be in the middle of a project that would mean they'd be able to make deposits to you directly on any visa or mastercard, but that it currently cannot be done, and do not appear to offer direct deposit/ACH like one would expect. How the hell can a company offer "Next Day Payouts" but only offer wires or checks, then charge $10 for a wire (Your bank will charge you $25-50 alone just to receive it), and, get this.... $30 FEE PER CHECK ISSUED! YES REALLY! Just to print you out a check of YOUR money, they want $30 EACH. I don't know about you, but that's what I make off of some of my sites in an average day... There's no way I'm going to lose a day of services to their CHECK fee!

    Let me break this down for you in terms that are a bit more clear. Say you're an adult merchant, and you make their $100 payout limit every day. That means you're making $3,000 a month off your website. If you were with CCBill, they would charge you $750 visa fee up front, then 15%, + 10% rolling reserve. Sucks, but still.
    Now with Zombaio, they want a $30 fee per check, so that's another $30/day removed from your money on top of their 4.9%... If you're making $100/day, that means they're charging you 33.3% JUST TO PAY YOU, and a grand total of 38.2% to process with them all-together. The ONLY way to get ahead with this company or make it worth your while would be if you were int he realms of, say, $1,000/day ($30,000/month), then you'd only be paying them 3% for payout, and 7.9% total for payout and processing, which is reasonable.

    I'm averaging currently around 14.3% with CCBill, and only make around $500/month off my main website, and was already upset at having to shell out $70+ of that just for them to process, but if I were with Zombaio, I'd only be being paid once a week at best (same as CCBill), but would be charged $120 of my $500 just for them to pay me, plus another $25 for their processing fee, to total $155 of my $500 they would have kept, which comes to 31% !

    IF YOU ARE A SMALL-TIME ADULT PROCESSOR, DO NOT WASTE YOUR TIME WITH ZOMBAIO OR YOU WILL BE PAYING AROUND 31% OR MORE TOO!

    I sent them an email in regards to this, but I was able to guess what the response was:

    "We charge $30 per check to force merchant over to the fast and secure wire transfer which are $10. Your account balance must be at least $100 before we process the payout. If your sale is $100+ / day you will get daily deposits." - John Berg, Zombaio Sales.

    The obvious flaw with this logic is of course that most US banks charge at minimum $15 and at maxiumum $50 just to RECEIVE wire transfers, so the cheapest fee you'd get out of that is $25 as well, which doesn't much beat their $30 check fee. Would have been nice to keep 95% of my money instead of 75%, but with a $100 minimum, the questions on visa merchant authorization, AND the $30 per check thing, I just don't know if it's feasible. I guess I'm stuck with wretched huge CCBill."
    Last edited by CamGirlKitten; 11-01-2009 at 02:07 PM.
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  21. #21
    The best is Atlantic Security Bank in Panama. They are the largest merchant providers of adult and porn. very friendly jurisdiction. Andre Schober or Marisol Sierra run the show. Also good for gambling as they provide bulk credit cards to the players 507 215 7311
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  22. #22

    bad processor

    I had zombaio for about 5 months everything was going great then
    before my next payout they stop paying me when i asked them why they said my site was rejected by visa and there was nothing they could do and they wouldnt pay me took me another 2 months to finally get paid after i spoke to a lawyer and had him deal with the company. It was very bad cost me alot of money and time to get paid finally and they said the account had to be closed first my other payment options are ccbill and not a single problem with them
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  23. #23

    Exclamation

    I'm not impressed by Zombaio from an affiliate prospective after joining them this week. I wrote a post for my technical blog outlining my experience this week as an affiliated called Zombaio Review - Affiliate System which explains it entirely from an affiliates point of view which wasn't great
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  24. #24

    Zombaio and Zenra.net

    I tried using the site last night. Either the site they were trying to bill me for (zenra.net) or Zombaio installed some bad adware on my computer that took me hours to find and get rid of. Don't use and don't use Zenra.
    TomS
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  25. #25

    Anyone worked with zombaio.com? (adult billing system)

    I would not trust Zombaio. I don`t like the things I can see on the site, as the certificate and so on.
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