Why are adult rates much higher than
Transactions are also known as High Risk Transactions because of the
high fraud rate on these kinds of transactions. Fraud normally leads
to a cardholder dispute which takes recourses from the card
networks, card issuers, card acquirers as well as for the IPSPs and
Merchants. That is why Visa and MasterCard prices “Adult
Transactions” higher than “Normal Transactions”. Another reason is
all the services that are included when a biller processes adult
transactions, for example, the cardholder support, membership
management and all reporting systems.
Why are fraud protection services so
Internet credit card transactions are a great deal
like mail order transactions. There is an inherent risk involved
because the merchant cannot take a physical card swipe nor secure a
valid signature. For example, one form of credit card fraud involves
protesting online charges. Unfortunately for merchants, such
disputes are almost uniformly settled in favor of the card holder.
In those cases, the merchant is not only liable for the actual
amount of the chargeback, but banks routinely add on a $15.00 to
$30.00 fee. And if there is be a large number of chargebacks, the
bank may cancel the entire merchant account and prohibit the
merchant from making any more online credit card transactions.
In response, Zombaio uses the award winning anti fraud platform Zeus
from Samport. Each transaction is run through filters which search
for "red flags" and any occurence will cause the transaction to be
You may view reports which give details on these cancelled
transactions, and the reason for the decline, at any time.
What is your policy in regards to billing
for BDSM/Fetish sites?
Regarding the BDSM/Fetish sites; generally not a
problem but there are exceptions, extreme violence, incest, snuff,
scat, excretion of any bodily waste on another person, mutilation,
The definition of extreme violence is hard to specify. Generally,
BDSM/Fetish sites does not have a problem signing up with Zombaio.
Please use our Online Site Checker to see if your site is
accepted: Online Site Checker
Does Zombaio have redundant systems?
Zombaio’s redundancy is based on three different
operation centres. The operation centres do not have anything in
common and are run by different organizations. The redundancy setup
is planned to avoid any single point of failure by using mirrored
data in the different centres for as many systems as possible. All
servers are equipped with full equipment redundancy, such as 2 power
supplies, 2 Fibre channel cards, 2 Network Interfaces etc. Complete stoppage required that we have a failure in at least 2 points.
Zombaio uses VMWare Infrastructure Enterprise which allows the
VMH servers to be switched off one by one without any system
interruption. If any VMH loses communication or gets corrupted, all
communication will automatically be handled by the backup VMH and
the corrupted VMH will be re-established within a few minutes. If
the re-establishment fails, a new MVH will be deployed.
Our uptime last year was 99.99%
on the Payment Gateway and 99.95%
on the Web Service, see our Service
How do I see my transactions, payouts and
In our Merchant Portal ZOA
The ZOA Backoffice tool (Zombaio Online Administrator) is your
portal to your Zombaio account. Here you will be able to follow your
earnings in real time. Manage and add sites, commission programs,
member and other data affecting your account. This portal also
allows you to see payments and can produce reports and analyses of
data for specific periods.