Cash out CC through your own merchant

Mutt

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Content:
1. What is merch and what is it for (briefly)
2. Preparation for registration in the merchant. Necessary information
3. Actually the registration itself, some nuances
4. Secrets of Carding for Lifetime of Merchant
5. The withdrawal and payment of the merchant itself
6. Afterword

1. What is merchant and what is it for (briefly)
Merchant account - an account for accepting payments by bank cards.
Actually, individuals or legal entities register in a merchant account to open an account, which is then used to receive payments on the Internet.
In the USA, a merchant account can be opened by absolutely any citizen for some time. If, of course, he has the necessary documents for this.
Offices that are open by merchants for dofig and more, some ask for docks, some do not. There is huge competition between them and, in principle, this is a whole business.
I will not write much about the merchant. If you really need it, google it. If you don't know how to google it means you don't know how to do anything!

2. Preparation for registration in the merchant. Necessary information
This is where the dreary part begins.
Let's say an inconspicuous, nice-looking office with good conditions for registering a merchant account valuplusmerchants.com
This is all good, but we can just register like this and turn CC into cash!
To do this, we first need a fixed drop - and this is perhaps the most necessary thing in creating a merch. The drop should be good, it shouldn't work. His main job is to withdraw money daily from his card or bank account.
Information required from the drop: Beneficiary Name, Bank Name, ABA / Routing Number, Account Number, Account Type, Bank address, Beneficiary address, TaxID, SSN number, Day of birth, Credit card info, Cell Phone, Driver license.
Drop should be vkurst everything, because it's your money! It's better not to be greedy with the Percentage, give 25% freely.
Ideally, a drop should buy a SIM card and redirect it to your Skype-in number. Also, the domain and hosting of your future site must be registered for the drop. Send him money, let him register everything himself.
Let's say you have everything in the drop. We create a light site, it is even possible on a public engine with user registration. Now we come up with some kind of product or goods worth 9-14 dollars (for example, electronic books).
On the site itself, we must indicate the prices, we indicate on the main phone number of constant support (SIM card drop with forwarding to Skype-in). We must have Skype with unlimited states.

3. Actually the registration itself, some nuances
Everything seems to be ready. Now we are buying a Dedicated Server (RDP), or even better, legally let the drop buy a remote computer and register from it with the merchant. He puts an electronic signature and all that.
A personal manager is immediately tied to him who will accompany him remotely essno. Ideally, the drop will register everything itself under your clear guidance. After a few days, your site is checked, admitted, the fraud is not seen and a merchant account is assigned to you. Froud will not be seen, because everything is clean and clear.
Within a few days, the bank of the drop account will be checked for validity, name similarity, etc. Therefore, everything should be clean, I repeat.
It is necessary to conduct an active dialogue with your manager both by phone and by correspondence. This will speed up the solution to many issues.
I also advise you to register a merchant in the middle of the month, because payment for it, namely not more than 150 USD. per month and a small% of purchases you will pay either at the end of the month, or in the first days. Those. expect to work for 2 weeks.
We were registered with the merchant, given a login pass and all that. Personal number of the account maker, etc. Now we need a gateway - this is the processing itself that will make it easier for you to work with the merchant. Those. they themselves will deal with processing payments, withdrawing a drop to the card, etc. Take authorize.net, for example, register, connect everything, indicate the number of the merchant.
Congratulations! You have a full-fledged merchant account with a gateway that can accept payments.

4. Secrets of Carding for Lifetime of Merchant
So, we have everything ready, merchant, gateway, drop on the line))) everything is as it should be! You do not need to embed payment in the site itself. We will drive straight from the gateway as an order processing manager.
We buy a base ss without color. Yes, yes, exactly without the code. We check for valid, because it is better not to drive invalid into the merch, then there will be a lot of questions and they can close the shop.
The first two test weeks drive in no more than 300-400 bucks per day.
Amounts from $ 9 to $ 14. Let me explain why - in many state banks, they charge $ 25 for a chargeback from cardholders. those. they complained that 10 bucks were missing, they will be returned, but already minus 15%. ))
But this is still not such a joy. There are also downright people who, for a couple of cents, will hang themselves and push the passers-by, homeless people, without giving them a couple of bucks for a check ... Well, this is a separate topic, I think my thoughts have caught on.
So that's why we need a Skype dialer! When a disgruntled cardholder first calls the bank, the bank sends him to our number, which is listed on the website and registered in the merchant. He calls, the support receives the call, tells him what he bought and that so and so, let him look at the site. Many people say - okay, thanks! And many ask the loot back! To do this, the dialer will have a refund function in the gateway, with the help of which he will give these couple of bucks to cardholders.
Oh yeah, got the point? Yes, everything is clear! 50% do not notice this amount, 25% clog the bolt, 15% will resign and 10% refunds.
Well, that's what, sobsna, the main secrets of driving.

5. The withdrawal and payment of the merchant itself
The withdrawal is usually carried out on the CC of the holder every day. This is his main job, he pours, sends you, you spend on material, dialer, etc.
Agree with the drop all the conditions that he gets 25% and pays all the costs of the merch and gateway.
He will of course agree, because after the first two test weeks, the daily profit from one merch is several thousand dollars, which cannot be good news.
It is best for the drop to send money to the bank account of people who, in turn, wash it all for a couple of percent and deliver it to you on the same day by any possible means.
Fortunately, there are such services.
The main thing is to automate everything and fix everything. But you can't throw it, because the merchant may be covered up.

6. Afterword
This article is not intended to be a guide to action. It's just theory and Google.
Naturally, everyone has their own secrets, moments and interesting things.
In addition, you need to show leadership skills, communication skills and the ability to negotiate with people.
If this article gives someone answers to many questions, I will certainly be glad that I helped.
 
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