Zombaio - CC Processing rate at 4.9%

[Zombaio_Tomas]

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!

[ladida]

3 2 1 to the avalanche of questions last rep couldn't respond to :P

[The Duck]

Are you Swedish?

[Sosa]

nice to see a post

[pornask]

Do you process for any recognizable sponsors that people from this board would be familiar with?

[Zombaio_Tomas]

Originally Posted by pornask

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

[latincashpauline]

Sure, Where are you based?


Do you charge a $750 visa registration fee?

[rowan]

4.9% and 14 day holdback? For adult? Wow.

[mikesouth]

Id like to hear from anyone who has done business with these guys, this is very tempting...do you do direct deposit?

[Zombaio_Tomas]

Originally Posted by latincashpauline

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.

[Phil]

Originally Posted by Zombaio_Tomas

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?

[Zombaio_Tomas]

Originally Posted by CAMOKAT

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

[Machete_]

Hi
Is Jesper Thörnblad still a part of the company?

[NaughtyRob]

Never had a problem with them, we use them as backup.

[NaughtyRob]

Originally Posted by mikesouth

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.

[latincashpauline]

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.?

[Zombaio_Tomas]

Originally Posted by ebus_dk

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.

[Zombaio_Tomas]

Originally Posted by latincashpauline

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

[TisMe]

Wires show up like clockwork.

[NinjaSteve]

Do you have a link that can provide more information about Zombaio IAS?

[Zombaio_Tomas]

Originally Posted by NinjaSteve

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.

[BlueDude]

Do you do payout via epassporte? That's my preferred method of payment.

[Zombaio_Tomas]

Originally Posted by BlueDude

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.

[NickDavis]

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?

[Shoplifter]

So your IAS has a working RSS and FHG system now? Can I get a look at this somehow?

[tony286]

I thought high risk couldnt do Verified by Visa?

[NickDavis]

Zombaio Rep on ICQ or MSN?

[madm1k3]

Are you guys fully integrated with NATS now?

[Zombaio_Tomas]

Originally Posted by Shoplifter

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.

[Zombaio_Tomas]

Originally Posted by tony404

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.

[Zombaio_Tomas]

Originally Posted by madm1k3

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.

[tony286]

Originally Posted by Zombaio_Tomas

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

[Zombaio_Tomas]

Originally Posted by NickDavis

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.

[pornask]

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?

[pornask]

Originally Posted by pornask

what is your work around the Do you have an answer to the Canadian Visa processing problem?

[Zombaio_Tomas]

Originally Posted by NickDavis

Zombaio Rep on ICQ or MSN?

Hit me up ICQ# 423-211-703

[Zombaio_Tomas]

Originally Posted by pornask

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.

[pornask]

so no red tape for Canadian websites? Do you have any Canadians processing with you?

[dready]

Do you process for high risk intangible goods that are not subscription / membership based, ie. shopping carts?

[Zombaio_Tomas]

Originally Posted by pornask

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.

[Zombaio_Tomas]

Originally Posted by dready

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).

[cwd]

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

[Zombaio_Tomas]

Originally Posted by cwd

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.

[mikesouth]

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

[Zombaio_Tomas]

Originally Posted by mikesouth

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!

[kmanrox]

what are you volume requirements? is zombaio for new affiliate programs?

[Zombaio_Tomas]

Originally Posted by kmanrox

what are you volume requirements? is zombaio for new affiliate programs?

There are no volume requirements. 4.9% is for all new merchants.

[Pics Traffic]

Originally Posted by Zombaio_Tomas

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)?

[Jim_Gunn]

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.

[DamageX]

Originally Posted by Zombaio_Tomas

Hit me up ICQ# 423-211-703

Kindly check your ICQ, sent you a message. Or hit me up, 1566665, thank you.