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Thread: Zombaio

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    Default Zombaio

    After much consideration, and reading the opinions of you ladies who have used zombaio in the past , I decided to have a go myself . I was surprised to see that for a company that advertises 'daily payouts ' There is actually an up to 7 week wait . There is no daily pay out , or anything close ( if I'm understanding right, and I have spent some time with live chat there ) , actually I was advised that all monies are held until the first of the following month , at which point they are set for payout , and then held for a further 20 days . Given the ease of using Zombaio and how my customers have taken to it , waiting for the funds is worth it , however I find it irritating that they would advertise a daily payout service when from what I can see , it doesn't exist .

    Anyway I promised to come back to update with my experience if I joined up , and here it is . Seems to be working for the most part, but the waiting times suck and they shouldn't advertise in such a misleading manner .... Unless I'm missing something major.


    Missy

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    God/dess KatyBoleyn's Avatar
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    Default Re: Zombaio

    There is a "daily payout" after you build your reserve and history AND use the Redpass system to receive the money. From there, taking your money still takes about 2 weeks unless you use their overpriced ATM card (actually, cheaper than Payoneer, so...). I think they work well if you're European with a euro bank account, but transacting with them from an American standpoint was painfully slow.

    "Daily pay ALL the things!"
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    Default Re: Zombaio

    Final update here - Zombaio sucks . 3 months, still not paid . They have over 1000$ from me. AVOID !

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    Default Re: Zombaio

    Quote Originally Posted by KatyBoleyn View Post
    There is a "daily payout" after you build your reserve and history AND use the Redpass system to receive the money. From there, taking your money still takes about 2 weeks unless you use their overpriced ATM card (actually, cheaper than Payoneer, so...). I think they work well if you're European with a euro bank account, but transacting with them from an American standpoint was painfully slow.
    ahhh I asked them about this, and they told me they don't offer this option anymore and they plan to remove the description from their website......

    Still no pay out for me around 6 months from taking the payments ....sucks

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    Veteran Member hf487's Avatar
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    Default Re: Zombaio

    2 months no pay here too, about. $800 : /
    They said "Hey there, girl, tell me what do ya do?"
    She says "nothing, but I'm damn sure it's more than you"

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  10. #6
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    Default Re: Zombaio

    again, not wanting to create any undue concern, but if payments have been delayed for months there may be a very real explanation ( which nobody wants to talk about ) ... from


    (snip)As my team and I were going back and forth trying to find a company to handle our transactions, I started redlining, getting a wee bit pissed, about how ridiculous it has become to do trade.

    My business boys tried to calm me down by telling me it was normative now for banks to crap on our enterprise, given that cigars have been deemed a “high risk” business. Their explanation and well-meaning solace made me even more annoyed, causing me to yell, “What is this, Russia?” And then I said, “No … it can’t be Russia because Russia wouldn’t do stupid, PC junk like this.”

    ***

    Essentially, Operation Choke Point, launched in 2013 in partnership with the DOJ, is a program that makes a financial institution’s life a living hell, with insane audits and investigations, if they provide services to clients who are a part of an “offensive industry” that is rife with “fraudulent activities.”

    Sounds good and noble on the surface, eh?

    So, I started to dig a around a bit to see what they deem “offensive” because it’s always interesting in Obamaland to see what they brand as bellicose.

    Offensive businesses, according to OCP, are porn sites and prostitution. Also, included were online gaming, Ponzi schemes, payday loans, bogus MLM sites, and check cashing stores.

    Okay, I can see how those are gross, some illegal, but I really don’t know that they demand an “Operation” to quell them.

    Continuing on, I started running into offensive things like fireworks, as in firecrackers. And I’m like … huh? Fireworks? Really?

    And then it started getting really good, as I saw in my ham-fisted online research that OCP also targets banks that work with online gun and ammo sales and tobacco.

    Yahtzee.

    There it was … buried deep in the dastardly heap of porn, pirate hookers and bottle rockets are the nefarious, oh-so-offensive, guns and cigars. It took awhile, but I found ‘em. (snip)


    While the above is admittedly 'less than objective', it is nonetheless accurate ... and provides a simple explanation of what Operation Choke Point is all about.

    The point, of course, is that last year the FDIC declared a whole bunch of business types ... including 'adult' businesses ... as representing a 'high risk' to US banks. The basis for this was supposedly an elevated industry-wide level of chargebacks, customer complaints, etc. versus 'normal' credit card transactions at dep't stores, restaurants, gas stations, etc.

    In conjunction with the DOJ, FTC and IRS, US banks are now being 'investigated' in this regard under 'Operation Choke Point'. Some US banks have already decided to voluntarily 'drop' 3rd party payment processors for 'high risk' industries as clients in order to avoid unannounced audits, requests for mountains of financial records, potential prosecutions, etc. And some 3rd party payment processors for 'high risk' industries have also been directly targeted. From


    (snip)OCP and the Federal Trade Commission

    The U.S. Federal Trade Commission (FTC), which investigates and sanctions unfair and deceptive practices that harm consumers,[15] is reported to be deeply involved in implementing OCP. According to a May 2014 study by the Electronic Transactions Association,[16] the FTC recently has targeted non-bank firms within the financial payment systems industry in order to reach the allegedly deceptive trade practices of their merchants.

    First, in 2013, the FTC sued payment processors and independent sales organizations (ISOs)[17] in federal district court for their role in facilitating payment card transactions of merchants allegedly engaged in deceptive conduct. The FTC takes the position that a processor or ISO has reason to know of unusually high chargeback rates, high returns, and publicly accessible consumer complaints associated with merchants with which it deals. The FTC views payment processors that “turn a blind eye” to such “red flag” indications of consumer fraud by their business customers as providing “substantial assistance or support” to deceptive marketing practices by those businesses in violation of the FTC’s Telemarketing Sales Rule.[18]"(snip)


    Again, please understand that I have no direct knowledge that any particular 3rd party payment processor for 'adult' businesses has in fact been directly targeted by Operation Choke Point ... or has in fact been 'dropped' as a client by US banks targeted by Operation Choke Point. But Operation Choke Point is in fact operating, US banks are in fact entering into 'settlement in lieu of prosecution' agreements with the DOJ which require them to 'drop' the accounts of non-bank payment processors involved with 'high risk' businesses, etc.
    Last edited by Melonie; 08-31-2014 at 02:25 AM.

  11. #7
    loveshooks
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    Default Re: Zombaio

    zombaio's chronic payout delays have absolutely nothing to do with OCP. I'm not a fan of OCP either (or zombaio either at this point, the way some merchants are being treated is inexcusable and unconscionable) but why you feel the need to inject your agenda with walls of copy/paste text on every topic, no matter how unrelated isn't helpful to webmasters and cam chicas who are currently owed funds

    missy and hf please update when you get paid

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    Default Re: Zombaio

    will do, i hope soon only thing keeping me sane is this $800 was made throughout a month so i didnt actually spend a huge chunk of time there, just a few shows a week that added up to $800, Good luck Missy! Keep us posted.
    They said "Hey there, girl, tell me what do ya do?"
    She says "nothing, but I'm damn sure it's more than you"

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    Default Re: Zombaio

    I was supposed to get paid on 08/05 - never got the payment, they told me that I should get it on the 18th - now here I am on the 4th the very next month when I am supposed to have ANOTHER payment tomorrow, but STILL have not received my last payment! I emailed support a week ago and asked them where my money was and they didn't even bother with helping me.

    I don't even know at this point.

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    Default Re: Zombaio

    Zombaio paid me today , about 1/5 of what they owe me ........and 5 months late .
    It's something at least , a move in the right direction , though I won't be using them again to process payments.

    Just a heads up for those of you waiting .... there is still hope haha

    and BTW - They paid to red pass about a month ago , but red pass being owned by the same people , wouldn't let me withdraw for another month or so , but today I finally managed to pull out a couple 100 and have it in my hand so it's definitely not another of my false alarms

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    God/dess audritwo's Avatar
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    Default Re: Zombaio

    Are you kidding me? Wow.





    Quote Originally Posted by Miss_Red View Post
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    Default Re: Zombaio

    So I guess CCBill is now basically the only reputable payment processor, despite their hefty yearly visa/MC fee?

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    Default Re: Zombaio

    Quote Originally Posted by GlamourRouge View Post
    So I guess CCBill is now basically the only reputable payment processor, despite their hefty yearly visa/MC fee?

    I'm using Loveshooks Payment processor - 15% and she pays weekly with a week behind. She's been helpful and super fast with any questions I've had for her.

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    Default Re: Zombaio

    I emailed Zombaio once a week after I was due to be paid on August. They told me that I would be paid on the 18th of August. - 13 days after my payment was supposed to be there.

    At the end of August I emailed them again asking them why I STILL had not gotten my payment and got no response.

    On September 4th I chatted in and asked them why my payment from August was so late and when I would get it. They told me that their settlement company has only JUST sent the records on August 21st, so my payment from August 5th would be here TODAY (one month and 5 days late). I asked them when I would get my September 5th payment, they had no idea when that would happen, but said that the payments would arrive faster after last month's fuck up.

    It is still only 9 am CST here, so I haven't gotten a payment yet, but if I do I will let you know. I won't hold my breath though.

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    Default Re: Zombaio

    My security password isn't working for me to load my card with the other funds ....... They did this last time too ! Because it buys them an extra few days while they ask me security questions, and reset the password over a length proc. of course. Ergh , here we go again !

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    Default Re: Zombaio

    ''Load Marked as Pendingclose

    Your RedPass MasterCard could not be direct loaded.
    Your load request is pending and will be processed manually as soon as possible by the RedPass team. We will send you an SMS/TXT as soon as your MasterCard is loaded.'' Yeah yeah of course you will .

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  30. #17
    loveshooks
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    Default Re: Zombaio

    I've been reading about people having load failures, it's not just you :/ With your last update I thought you had actually received the funds, you must be so upset with all this. I'm really sorry you're being treated so poorly.

    Did y'all get this email from the VP:


    "I write with reference to our recent troubles, which I again apologize for and to share a little better news with you.

    As you are aware, it was necessary a few months back for us to change our terms of business to ensure that we could continue operating the business on a day to day basis while important work was done behind the scenes to improve the bigger picture. This was always planned to be a temporary situation, and I very much appreciate the support of every single merchant that has stayed with us during this period while at the same time fully understanding why the delays and uncertainty made the situation completely unmanageable for others.

    I do not want to bore you with the details of how hard we have worked in these past couple of months, but I am happy to say that the corporate restructure that our consultants believed necessary is now virtually completed, and we have already managed to secure better settlement terms from our acquiring partners on the back of this which will mean a return to more competitive settlement periods for our merchants with no increase to our current rates.

    The exact details are still being finalized and an official announcement will be made in around 2 weeks from now, with new terms of business, on-time settlements and historic arrears catch up payments coming into effect starting from 1st October.

    I appreciate that you probably have a number of questions about specific accounts that you want answered, but as there is not really much more that I can say at this time, I would ask that you please hold these questions until you have read the official announcement in two weeks, at which time most things should become clear, and if they are not, I will attempt to clarify them for you personally.
    "



    Looks like they're still juggling payouts, and I am NOT impressed by the 'I don't want to bore you with the details' line. Some actual explanation would be really nice to hear right about now.

    In August they assured their merchants that the payout delays would be solved in early September, now in September they're promising a solution in October. I honestly don't know how the company expects to survive this, I used to be the biggest Zombaio fan and now even I couldn't in good conscience recommend them to anyone. So disappointing, and for merchants waiting on funds no doubt enraging.

    Thanks for the update Missy, I'm sorry this is happening to you.

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  32. #18
    Banned Melonie's Avatar
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    Default Re: Zombaio

    ... with absolutely no 'agenda' in mind other than providing additional information ... from

    (snip)Dear Zombaio Client,

    As I am sure you have noticed, we have been experiencing more problems than usual in paying out on time recently and many people have speculated (as they have done for years) that we are on the verge of going out of business.

    Whilst we understand that many of you have lost money when other processors have gone out of business in the past, and that you understandably get nervous when payments are late, we want to assure you that our problems are temporary and a knock on effect of issues our main acquirer had with their USD settlement and exchange bank which meant that their settlements to us were quite significantly delayed.

    We tried to keep things going as best as we could from our reserves during this period, but this caught us a little unaware, and it has taken time for us to straighten things out which I am pleased to say that we now have and we should be able to bring everybody”s settlements fully up to date during the course of next months.

    We will however need to make changes ongoing if we are to avoid falling back in this hole. When we first came to the market we tried to give both the best rates and the fastest payouts and we now know that unless you have a much greater share of the market than we do, and a faster settlement than our acquirers are able to give us, this is quite an impossible model to sustain.

    Consequently, we have decided to stop trying to be the cheapest AND the fastest and concentrate on being a reliable low cost processor which of course means we need to change our terms of business.

    ***

    Best regards,

    Tomas Anderson
    VP, Zombaio LLC (snip)


    ... it would appear that US banking / funds transfer problems were one of the details that Zombaio's VP didn't want to bore you with.

    Based on the VP's comments regarding 'keep things going as best we could from our reserves', this is a concession that Zombaio was/is having difficulty actually 'receiving' US customer payment money ... with the logical conclusion that Zombaio was in turn forced to delay payouts to 'merchants' ( once the company's cash reserves were depleted ) as a direct consequence.
    Last edited by Melonie; 09-10-2014 at 12:17 PM.

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    Default Re: Zombaio

    Quote Originally Posted by loveshooks View Post
    I've been reading about people having load failures, it's not just you :/ With your last update I thought you had actually received the funds, you must be so upset with all this. I'm really sorry you're being treated so poorly.
    Hey Loveshooks, sorry for the confusion .... I did receive funds. I have some that I have actually managed to load and withdraw, but they did this to me last time also . Pretended the password I was putting in was wrong, to give them time to reset that , and then it took a month for them to load the card ( a process they told me would take 2 - 24 hours ) . The money I'm talking about now , is the next installment from zombaio , which I've tried to load to my card, but going through the same shit as last time . On a plus note I DID indeed withdraw the last lot when I posted in the forum , so with any luck this money will also clear at some point in my life time I can imagine myself an 80 year old woman being told by the ghost of Michael that I just need to hold on for 24 more hours while they consult with their bank
    Last edited by ukmissy; 09-10-2014 at 12:12 PM. Reason: oopse

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  35. #20
    loveshooks
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    Default Re: Zombaio

    ^^^ok, I'm relieved you actually got something. Lol at the ghost thing....just a few more days now gramma

    @melonie, all Zombaio webmasters received the email you posted. Zombaio's spotty track record concerning payouts predates the real roll out of OCP in 2014. No one but the people at the company know the real cause but one rumor is that merchant funds were used to launch Redpass and other Cawen Group projects, as the onset of payment delays coincides with the launches of their new products. That's a rumor and could be totally baseless, as is your confidence that their US bank issues are OCP-related. Sure we can all posit why these delays are occurring but I'll repeat what I stated above, that this thread is not here for you (or anyone) to use as a hobby horse, it's here for camgirls who are owed funds by Zombaio who are discussing payment-related issues. Your raising of a slight possibility that their bank issues are OCP-related is a poor excuse for spamming the forum with copy/paste right wing blog posts that do not belong here. You know the rules here, I don't know how many moderators have to explain this to you before you'll comply.

    /threadjack

    I figure by the beginning of October we'll know whether Z is just blowing more smoke or if they've actually managed to survive their issues. Despite everything that's happened I really hope Zombaio survives this. I don't know if they will, they've totally shattered their image, but I really think the adult industry will be poorer for it if they fold.

    Good luck y'all, please keep us posted. At this point I'm owed a couple of payouts as well so I'll do the same.

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  37. #21
    Featured Member justsometwat's Avatar
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    Default Re: Zombaio

    Ok, I just got my August payment - was only one month and 6 days late, but I got the full amount!

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