I've used them on my site for over a year now and have been happy enough with them to keep using and to recommend to others (with some notes, below).
Their support can take DAYS to get back to you, and at one point this was a major issue since I could not manually add a user. I would almost rate them a 2 on that, except that it was technically my fault for updating wordpress which changed the htaccess file pointing to their security script... and they DID end up apologizing for the awful delay in their response. Luckily my client was very understanding.
Please be aware that WORDPRESS UPDATES CAN CHANGE THEIR HTACCESS FILE - so either do NOT use WordPress in your members area, or do NOT do updates, or backup your Htaccess file before updating the code.
Also, it is MUCH easier if your script is in a subdirectory rather than subdomain. This caused me some issues with the initial set up.
They auto blacklist some countries, and once I had a legit fan wanting to join (he was stationed in Africa or something- totally checked out). I just had him pay with a gift card and manually created access.
Their affiliate program is apparently only considered so-so. Rabbits Reviews requires sites that use Zombaio
to keep a button on their homepage (v.s. just on the "links" page).
Their help documentation on anything but the initial setup, is pretty hard to find and not very helpful. I think they need to have this issue with WordPress updates covered :-)
I love their low processing rates and that you can accept mastercard and visa without any other fees!
I love that you can generate payment code and sell cam shows very easily with "tokens". You have total control over how you charge and how much etc.
You can easily set up an affiliate system with giving however much of a split you want to sites that promote you.
Their code is easy to generate and to place on your site.
You can have hidden payment options (so I can create a lower promo offer on a hidden page, and not have it show up on the main subscription form).
You can also give discounts for customer loyalty, have trial subscriptions, etc.
They are REALLY flexible in things you charge for and how you can use them. This is the main reason I've rated their software as 4 stars.
Their checks come reliably, after you reach the $100 minimum. It is VERY discreet. I mistook my first check for a bill the first time!
They really are nice and helpful, once you actually reach their customer service.
I would recommend Zombaio
to any beginner with a paysite who doesn't want to pay the $1000 visa/mc processing fee.