Carder
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Greetings friends! Today we will talk about such a well-known phenomenon in the niche of making money on the Internet, like carding. This direction has gained particular importance with the development of the monetary system, namely with the popularization of electronic money. All further narration I will conduct in the first person (for convenience), however, I myself am not involved in this kind of activity, and I will just tell you about it from the words of my friend, who to this day is spinning in the field of cybercrime. He has kindly agreed to share with you some of his experiences and thoughts related to carding. From the article, you will learn about how carders are really trained, what you may encounter on carding forums, as well as what are bays on a SIM without prepayment, and how this niche works in 2021. I want to say right away that this article is purely for informational purposes. Forewarned is forearmed! In no way do I set myself the goal of prompting you to take action or interest you so much that you want to plunge into the world of carding, and therefore I will not touch on the details of this or that "case", but in general terms, you will undoubtedly get a fairly comprehensive information.
Content
What is carding?
Credit cards
Two-factor authentication, vbv, mcsc
Full info (Fullz)
About methods of "draining" money from credit cards
Stuff carding
Payment systems
Transfers on SIM cards
Gift certificates
Hotels, flights
How to find shops?
How do shops die?
What you need to know about carding?
Where to get material for work?
How are hamsters bred?
Safety in carding
How to work
What is carding?
Carding is a term that literally means credit or debit card fraud, however, with the development of information technology, the concept of carding has expanded somewhat to include:
Carding training
All carder tools are usually called by a simple word - material. The word material is understood as credit cards, bank accounts, full info, passport details, etc. This is exactly what carders work with. As they say - from simple to complex, so let's start familiarizing ourselves with credit cards.
Credit cards
So, in the terminology of carding, a credit card is called cardboard, plastic or CC (credit card). I think that each of you has a credit card, so the contents of a credit card are familiar to you.
The most common cc contains information such as:
1. Name, surname
2. Card number
3. Expiry date
4. CVV-code (security code)
Possessing this data, the carder can use someone else's credit card to make payments on the Internet - online stores, services that provide services, systems for storing and transferring electronic money, and the like. However, all this was possible for a very, very long time. As I said above, protection systems do not stand still, therefore, having such a "meager" set of information, you can donate (donate) money from a credit card to the fund for treating sick children, and this, by the way, is always very important, but more we will touch on this topic in detail below.
Two factor authentication, vbv, mcsc
To protect their customers, banks have come up with a system of unique SMS notifications, which work according to the principle: “if you want to pay for something, enter the code you received in the SMS message into the window”. The bank sends this code to the previously registered client number, and this method of protection is called two-factor authentication. Is it possible to bypass this protection system? Of course yes. Various methods can be used here, ranging from centralized viruses (botnets) to banal substitution of cookies. However, I have never dealt with such a thing, and I am talking about it only so that you understand one thing - there is no such protection that it is not possible to crack, at least I have not heard of this (the exception may be cryptography, in which I alas, I don't understand at all). However, despite the fact that two-factor authentication is quite popular in the CIS, in the West they prefer to use another type of protection called vbv or mcsc. This is the same two-factor authentication, but with a set password for making payments on the network instead of an SMS notification coming to the phone. To put it simply, this is an “additional” password that the user sets on his credit card to make purchases on the network. And this system is much more vulnerable than SMS notification with two-factor authentication. Because the botnet virus collects this information with a bang, but in addition, some online stores often store such information in their databases, and hackers can take advantage of this. In addition, it is important to understand that not all cardholders install an SMS notification system. For example, retirees, people far from the Internet, who do not shop online, and do not even think about additional protection. Therefore, the carder himself can install this protection in order to freely use the funds stored on plastic. In this case, the carder can not only make payments on the Internet, but also observe the dynamics of the funds stored in the account. And this is almost the most important point, because everyone wants to know the balance of the cardboard so as not to run into the bank's anti-fraud system once again. As for the anti-fraud system, it exists not only in banks, but also in individual stores and services, and therefore this topic is quite extensive and to disclose it you will need to write more than one similar article.
Full info (Fullz)
Fullz is understood to mean complete information about the bank's client. This includes his full name, residence address, phone number, operating system, browser, mail, login and password from his bank account (hereinafter BA), mother's maiden name, as well as information from a credit card - number, security code and her life span… It is considered the most preferred and expensive product on the sites where the material is sold. Because the fullz, which has access to the BA, makes it possible to control expenses, as well as attach a credit card to certain services using microtransactions. This is the case when a small amount of money is withdrawn from the account, so that by indicating it, you confirm that you really are the owner of the account. For example, this method of synchronizing accounts is widely used in the PayPal payment system.
About methods of "draining" money from credit cards
There are a lot of ways to get money off the cardboard. The most popular is a thing, but this makes the practical application of the method many times more difficult. Hamsters keep coming here, hoping to make their first MacBook or IPhone, but you must understand that this is practically impracticable within the framework of the knowledge of beginners.
Stuff carding (Clothes carding)
Stuff carding is when you buy real "gear", send it to the drop's address, and he either keeps it for himself or sends it to the buyer. Drop is a dummy person. Drops are of two types - deceived and not deceived. Deceived drops are, as a rule, naive fools who are found on the network and asked to accept the parcel, and then send it to the appropriate address. Such drops are always bred in different ways - to whom they tell whiny stories, and to someone they simply rub themselves into trust and ask “brotherly” to accept the package. In short, who is in that much. Another thing is not deceived drops, which deliberately make a deal with the carder. Such people usually do not forward any packages until they receive payment from the drop channel. But the drop guide is a whole profession. This is the person who recruits drops and cooperates with the carder. In addition, there is a buyer in the chain who pays money for the goods to the carder. How much money the carder will receive is a matter of agreement, however, the highest interest on payments (30-40%) is paid to the carder for equipment (electrical goods, gold, optics).
The complexity of stuff carding lies in the fact that all shop owners install unique protection against carder attacks. It even hires a staff of workers who check orders by calling customers back on the phone and asking them for information about the order. An order is an order that a customer places. But for a carder who has all the information about the payer from fullz and a virtual phone number, such protection systems are not a problem to receive calls from abroad (for example, a skype number). In addition, shops often ask to take a photo of a credit card or send a scan of the payer's passport, but this is not a problem for a person who knows how to use Photoshop and owns templates of documents from different countries of the world. Do you understand where I am leading? The field is not plowed here. To truly succeed in this endeavor, you have to gradually master the above skills. Namely - English and at such a level that you can freely communicate by phone with a store representative; possession of photoshop, so that you can always quickly draw a card or identity document (driver's, foreign, etc.) By the way, those who have mastered these two skills perfectly can sell their services to hamsters on thematic forums. On the forums, it costs about $ 15 to draw a passport, and $ 10-20 to call. Dozens of newcomers can turn to such a specialist per day, respectively, here the carder earns without investing his own funds in the material, but only by providing his services.
Let's discuss the easiest way to implement stuff carding for beginners - online auctions. These are online stores in which one product pays off 10-20 times, and therefore they do not unfold the parcels and send them anywhere. Although carders create problems for online auctions, they are so insignificant in the scale of the profit generated by auctions that they do not bother especially and are ready to pay forfeits to bank customers. Usually, the protection system for online auctions is rather low because the owners of online auctions, as well as the owners of casinos, benefit from the fact that at the time of payment the client does not have any difficulties. The faster he pays, the higher the likelihood that he will not change his mind at the last moment. Therefore, replenishing various casinos or auctions, you may notice that they do not require much information from you, but for withdrawal of funds you will be asked to prove your identity. By the way, let's discuss a very important point that is pedaled all over the carding forums, and it is connected with the delivery of goods. You see, in most modern stores, it is customary to forward goods only to a user's registration address called a bill (billing address). However, there are also such stores that send to the ship (shipping address), and this can already be any address, for example, the address of your drop. So, finding a store that would send to the drop address, and not the payer's registration address, is quite difficult, however, if the carder succeeds, then he can be said in chocolate ? After making a payment, which in the cybercrime environment is simply called “card”, a notification is sent to the mail. Its content can be completely different, from refusal to purchase without explanation, to approval and further instructions on obtaining a tracking code that allows you to track goods in transit.
Payment systems
Unlike small online stores, which are quite vulnerable to carder attacks, payment systems are industry giants. There is not only a staff of people checking orders for authenticity, but a whole company of IT specialists who know how to distinguish a client from a carder, no matter how much he hides behind the guise of an ordinary user. In work with payment systems, two types of cash are widely used. One is based on hacked accounts of real users, and the other is based on so-called self-registrations. The more common and cheaper way is of course self-registration. Its essence lies in the fact that the carder creates an account in a particular payment system according to the data taken from the fullz (on a dummy person), and then pours the money of the same person to an account in the payment system, from which he has full access. Now the carder can freely pay with self-registration for goods, services, cryptocurrencies and much more. Every day, thousands of self-registers appear in various payment systems - PayPal, Skrill, Qiwi, MoneyGram, etc. Therefore, the system already knows how to distinguish a real user from a carder. Previously, it was possible to send money using Western Union all over the world, just having information about the holder, but now it becomes quite difficult, and therefore I strongly recommend that hamsters do not climb into this jungle. In addition, with the advent of cryptocurrency, carders pounced on it like a hungry dog on a bone, and therefore this direction has become too filthy. Do not build castles in the air and pipe dreams, here it is generally impossible for a beginner to make money. However, if the direction seems attractive to you, then you should stock up on quality material, as they say, in full. In addition to the data from the fullz, you will need to immediately draw the documents for the information contained in the fullz, buy a Skype number for dialing (or order this service on the appropriate forum), acquire and correctly configure a working machine and buy vpn, proxy or socks for these fullz (as a last resort, you can purchase or brute a Dedicated Server), and act as carefully as possible when carding, without arousing suspicion from the system. Will you ask me how to do this? The answer you may not like is test. Yes, it will take you a lot of money for the tests, I promise you this, and it’s not a fact that you will at least recoup your investment. Payment systems include various types of casinos in which carders drain money through the so-called pads. To do this, they use several self-registers, to which they lose money. It happens as follows: the carder creates an account, replenishes it from someone else's credit card, and then enters the poker room, where his own account is already waiting for him, running on another virtual machine. Then the carder loses all or part of the amount to his own self-regimen, and then turns the same thing again. Of course, it is easy for casino owners to recognize such a chain, but those who have been specializing in carding casinos for a long time can use layers to drain tons of money from the cards of the bourgeoisie. The last account that a carder cashes is called a pumped one. To upgrade your account, you need to replenish it several times, play and withdraw funds for at least two, and preferably three types of payment systems. Plus, the upgraded account must be fully verified, i.e. in the personal account there is a loaded passport, a phone number, and a bank account is connected. As you understand, the carder does not use his personal data when creating a pumped account, but uses the drop data, so that if something does not come home from the authorities, because the occupation is at least grayish ?
Transfers on SIM cards
I'm not afraid of this word, but working on cashing SIM cards is the easiest direction in carding, and there are quite objective reasons for this. The first is that international SIM card replenishment services do not belong to payment systems, and this gives us a relatively low anti-fraud system. The level of protection here is exactly the same as in most online stores, where there are employees who, as we discussed above, only clarify information from the fullz with us, and ask us to provide an identity document in the form of a scanned passport or driver's license. The second reason why you should start your carding journey with cashing SIM cards is the speed of the process itself. From the moment of carding and until the receipt of money, it can take from 30 minutes to several hours, which greatly facilitates the work. Here you do not have to sit on pins and needles for several weeks, as in a thing, waiting for the parcel to be deployed or dropped. Everything happens with lightning speed in SIM card cashing. Carding - passed - got money and no unnecessary reasons for concern. As for the SIM cards themselves, it is not difficult to acquire them, especially if you are familiar with avito, where you can buy tens or even hundreds of SIM cards for $ 1 apiece. Money is poured onto SIM cards through international top-up services. There are such services exclusively for the bourgeoisie who live over the hill, often travel and like to replenish SIM cards of various countries using credit cards. The attacker, disguised as a tourist, sets up a virtual machine, as with a normal carding, then goes through the google search engine to the desired site, and carding credit card, indicating one of the SIM cards purchased on Avito as an object of replenishment. With a successful carding, the money from the SIM card is immediately transferred to the qiwi-wallet created for this number. And from there, through the money changers, the money dissolves into the oblivion of the carder's pocket. Why aren't all carders doing this? Yes, because the exhaust in the cashing of SIM cards, although there is, is rather insignificant. For one replenishment of a SIM card, you can earn a maximum of $ 50, and this, for a minute, is the cost of all the material used for one card. Of course, if the cardboard is good, and the carder's hands grow from where they need it, then in a few days, thus, you can drain the entire credit card balance to a SIM card. But if the cardholder suspected something was wrong and called the bank, then the card is blocked and more than one or two replenishment will not work.
Gift certificates
In other words, gift certificates are what those who are engaged in clothing are carding first of all. I think there is no point in explaining what gift certificates are. However, it should be said that they are of two types - electronic and ordinary. We will talk with you about electronic gifts, since they are the ones that are valued by carders. In general, an electronic gift is nothing more than a set of numbers and letters that can be entered in an online store when purchasing a particular product. Guys who have been in carding for a long time and have been seriously engaged in stuff carding are using gift cards for purchases, because this reduces the chances that the parcel will be deployed somewhere along the way. But do not rush to google and look for online stores with gift certificates there to scard. Stores that sell digital goods are as secure as possible. Carding gifts is very difficult, and to some extent impossible without certain knowledge in this topic, however, you can get them in another way. When a carder buys a BA with a certain history, there is a high probability of finding bonuses for purchases on the account, which are credited to the cardholder for paying with a credit card in stores. You can spend bonuses at your own discretion, and among what the account owner can buy for his accumulated points, you can very often find gift certificates to Amazon, Apple, Girbest stores, etc. The cost of gift on forums is estimated at 15-30% of their nominal amount, i.e. if you have Amazon Gift with a total amount of $ 1000, you can sell them to clothes for $ 150-300. The amounts can vary for several reasons, one of which is your decency and reputation on the forum.
Hotels, flights
Only professionals work on such topics. Usually, there are two or three people on the forum who provide services such as registration of hotel rooms or flights for 20-30% of the face value. They card hotels and air travel with the same points that can be found in bank accounts. However, such bank accounts can be obtained in abundance only by having your own botnet, i.e. networks of computers infected with a virus. For example, spreading a virus over the network, the carder receives 10-20 new accounts of various banks, after which he needs to weed out those that have nothing from those that have the very desired bonuses. One or two accounts with bonuses are enough to buy a one-way plane ticket on them or rent a hotel room for several days. As you yourself understand, rarely anyone follows these bonuses, and therefore the likelihood that carding will be opened tends to zero. And besides, nobody really cares about these bonuses, the main thing is that the money is in place.
How do shops die?
This question cannot be left without due attention. The fact is that if you find a new store that has not opened so long ago and has not yet had time to meet a large number of carders, then you can clap your hands. After all, it is such a carder that makes everything from there that only his playful eyes can see. Carding without problems, and now there are dozens of letters on different mails containing notifications of successfully sent orders to various drop addresses. The boxes can contain everything your heart desires - phones, blenders, jewelry, branded clothing, video cards, musical instruments, pet food and much more. However, there comes a time when the number of approving letters from the store declines, and all credit cards with certain BINs begins to be blocked. This is what is called - the shop is dead. It's time to look for a new online store in order to resume the supply of goods to the buyer.
How to find shops?
In the entire history of the existence of carding, no one has given an unambiguous answer to this question. Finding shops is an absolutely unique process for each individual carder. An important role in finding "leaky" online stores is given to the skills of using the google search engine. Usually, before entering a search phrase into a string, use commands such as: “inurl:” and “intext:”. This helps make it easier to find, but it certainly doesn't make any guarantees. It happens that you find a shop in the most unexpected place, for example, studying the partners of one or another online store. Determine that you have found the right store will help "test" carding. For these purposes, you can use credit card, which is laid out in sections called "freebies" on carding forums. It is not the result of the carding that is important here, but the study of all sorts of stages and protection systems installed in the store. In the same way, they search not only for vulnerable online stores, but also for services like those that replenish SIM cards or those that rent domain names or even sites of hosting providers. Everything that is bought and sold on the Internet can be carded.
What do you need to know about carding?
In fact, everything is extremely simple here. First, you need to thoroughly test everything, and then proceed directly to the "drain" of money from the cardboard. But before you go to hammer in plastic, you need to donate money to any charity. This is done in order, firstly, to check the card for validity, and, secondly, to help not only oneself, but also those in need. If the money is successfully debited to a charitable foundation, then cardboard is good for the job. Now all that remains is to set up a virtual machine, create mail on one of the popular mail services, and go to the store through the PRODUCT search. Further, the actions should be as close as possible to those produced by new users entering the online store. Usually people “walk” and stare at the windows, and only after a while they decide to buy something. It is vitally important to follow these rules so as not to arouse unnecessary suspicion from the anti-fraud system that sees right through you. By itself, driving in is the usual credit card payment for the next product on the Internet. It is not allowed to use the "copy-paste" principle, which means that you need to fill in all the fields manually. Moreover, all these rules are applied both in clothing and in other carding areas.
Where to get material for work?
Perhaps this is the most frequently asked question of hamsters who come to carding, ready to get rich. However, there is no “perfect” answer here either. I can only warn you that most sellers are dishonest, and therefore it is extremely difficult to find your own seller. In addition, even if you come across a seller who meets the demand with real material, i.e. leaked from online stores or obtained from botnets, it is not a fact that the quality of its material will satisfy all your needs. You see, by leaking the database of credit cards from online stores, hackers may receive less information about credit cards, especially if the online store does not store all information about users. For example, it does not remember the CVV-code or the cardholder's name. In this case, you will waste your money. But how, then, to be? It's very simple - to rely on the main principle of carding is testing. However, in order to somehow save you and your money from unscrupulous sellers, I recommend that you buy material at the sites where the so-called escrow is installed. In other words, in stores where it is possible to dispute transactions, or at least use a guarantor service. It is better to overpay a little than to lose everything. And as soon as you make sure that the seller is conscientious, then you can do without using a guarantor.
How are hamsters bred?
I think you have already guessed that by the word "hamsters" I mean newcomers to carding. These are the people who rush to the first seller they come across and buy from him a “scheme” for making money or a dozen invalid credit cards. It is very easy to recognize a hamster, and to breed it for money is generally a nice thing. For example, on public forums every now and then pop up advertisements for the sale of carded equipment. However, think for yourself, who in their right mind will sell you a MacBook even for 50% of the cost, if it can be sold for 90%? And the hamsters are led and throw in their honestly earned money at the factory, in the hope of reselling this equipment at Avito. Here I will not disclose the names of these forums or point to specific individuals, but I will only warn you that hamster divorce has long become a stable and profitable business that thrives on the newly arriving masses of under-carders. As Sergei Panteleevich Mavrodi used to say: "a goof is not a mammoth - a goof will not die out ." Indeed, divorce in carding is so entrenched that hamsters themselves began to practice it. They sell everything: document rendering and dial-up services, Dedicated Servers, Google voice numbers, credit cards, accounts in payment systems, and much more. Therefore, when you come to carding today, you are 99% likely to stumble upon a scammer, however, if you can recognize him in time, then your money will remain safe. Do not be confused by such things as customer reviews or a well-designed seller's website, because now every non-crooked netizen can quickly rivet a website for himself, overtake comments there and cut the loot. Therefore, re-read once again how you need to approach the choice of sellers and you will definitely not fall for the hook ?
Safety in carding
I recently watched an interview with a person who was at the origins of one of the services for selling ready-made templates for websites. So, he told one story, according to which, at the very first placement of goods, the site began to receive massive carder attacks. As I said above, first of all, they try to scard digital goods and services that can be quickly resold on forums. And precisely because the site owner was so tired of carders, he reached an agreement with the main carder at that time, the owner of carderplanet, a forum for cybercriminals long forgotten by everyone, but very popular in the early 2000s. The agreement was that it is impossible in any case to work in the CIS countries. Believe it or not, it's up to you, but nevertheless, this rule has stuck deep in the minds of our compatriots from the field of carding, and I think it is better to adhere to this rule and take money out of the box only in the bourgeois West. By the way, this very West is the states and countries of Europe. Now for your immediate safety. To work, you need a configured virtual machine or its analogs in the form of Dedicated Servers. You will learn how to set up a car if you ask Google about it, because I see no reason to overload an already long article. If you are as lazy as I once was, then you can spend money on Dedicated Servers. Their cost varies from $ 2 to $ 10, depending on some parameters. Such as: the country, whether a deed or maybe leased, as in the case of the Amazon deed; frequency of use, etc. Dedicated Servers usually does not live long, especially if the carder is inept with them. In this case, the administrator easily calculates the uninvited guest and disconnects him from the network, and also changes the password, which permanently closes the path to the Dedicated Server for the carder. However, there are ways that will allow you to hide your presence on the server even for a short time. You can also find out about them from Google.
How to work
Finally, I would like to express my gratitude to you for reading this article, and I hope that although I did not provide more detailed instructions, as well as examples of the carder's work, the information turned out to be at least interesting for you. In this regard, I want to introduce you to several ways according to which you can always be, as they say, afloat in the world of carding. The methods that I will talk about a long time ago died, however, on their basis you can build your personal carding strategy, which will ultimately bring a lot of profit. Remember that carding loves a unique approach, and all those who buy shops, topics for earning money and the like are not spared by carding, but only empty their pockets. So the first topic is related to renting a home through the airbnb website. I think that many of you are familiar with this service. Here you can rent an apartment anywhere in the world by paying in advance with a credit card. So, for the carder, this provides an excellent opportunity to drain a little money from overseas. I hope everything is clear here. We go to the site under the guise of a drop (create a self-registration), register and connect the methods of withdrawing and depositing funds, after which we submit an advertisement for renting out real estate. The next step is by carding your own ad, but already under the guise of a visitor (cardholder) As I mentioned above, this method has long died and is in the public domain, however, it once hung in a closed section on a cow, from where I got this idea. The second method is more authoritative, but this does not make it less hard-working. There is such a platform called etsy, which is a kind of Internet bazaar where you can register your store and sell goods all over the world. Mostly handmade goods, that is, those that are produced by needlewomen. The scheme here is exactly the same as in working with airbnb. We register, create our own store, add products, catch up on some traffic so that the system does not be too suspicious, and then we carding credit card into our own products. By the way, goods can be both real and digital, which greatly speeds up the carving process. This topic is also dead, or at least dying for the reason that etsy has grown so much as a store that it has allowed itself to use the latest developments in the anti-fraud industry. Therefore, I do not recommend you to climb here either, however, I think these examples showed you that there are unrealistic opportunities in carding.
Conclusion
Please read, because this is very IMPORTANT. Carding is illegal, but like any other field of activity, it can play a cruel joke with you. He will help one get out of the debt hole, and the other, on the contrary, deprive everything. The only difference is with what attitude and knowledge you approach the process. Once again, I draw your attention to the fact that carding should be unique for everyone, because otherwise, topics die like flies, and in this case, there can be no talk of any kind of earnings. Treat your money with respect and do not throw it left and right. Before you do something, think carefully about whether you need it? In any case, this carding article is for informational purposes only, does not call anyone to anything, and is written only so that readers can protect themselves from the harmful influence of cybercriminals. Any article can lead to both good and bad consequences. Therefore, just take the information described above as an interesting reading matter, but do not try to repeat certain actions described by the author, because in the end it is you who will bear the responsibility. On this note, I do not say goodbye to you, but I will say goodbye to you in new articles!
Content
What is carding?
Credit cards
Two-factor authentication, vbv, mcsc
Full info (Fullz)
About methods of "draining" money from credit cards
Stuff carding
Payment systems
Transfers on SIM cards
Gift certificates
Hotels, flights
How to find shops?
How do shops die?
What you need to know about carding?
Where to get material for work?
How are hamsters bred?
Safety in carding
How to work
What is carding?
Carding is a term that literally means credit or debit card fraud, however, with the development of information technology, the concept of carding has expanded somewhat to include:
- Data trading (credit cards, passports, hacked bank accounts, payment systems and much more)
- Scam in relation to the so-called hamsters (mostly “smart” fraud, that is, using social engineering)
- Cashing out other people's funds
Carding training
All carder tools are usually called by a simple word - material. The word material is understood as credit cards, bank accounts, full info, passport details, etc. This is exactly what carders work with. As they say - from simple to complex, so let's start familiarizing ourselves with credit cards.
Credit cards
So, in the terminology of carding, a credit card is called cardboard, plastic or CC (credit card). I think that each of you has a credit card, so the contents of a credit card are familiar to you.
The most common cc contains information such as:
1. Name, surname
2. Card number
3. Expiry date
4. CVV-code (security code)
Possessing this data, the carder can use someone else's credit card to make payments on the Internet - online stores, services that provide services, systems for storing and transferring electronic money, and the like. However, all this was possible for a very, very long time. As I said above, protection systems do not stand still, therefore, having such a "meager" set of information, you can donate (donate) money from a credit card to the fund for treating sick children, and this, by the way, is always very important, but more we will touch on this topic in detail below.
Two factor authentication, vbv, mcsc
To protect their customers, banks have come up with a system of unique SMS notifications, which work according to the principle: “if you want to pay for something, enter the code you received in the SMS message into the window”. The bank sends this code to the previously registered client number, and this method of protection is called two-factor authentication. Is it possible to bypass this protection system? Of course yes. Various methods can be used here, ranging from centralized viruses (botnets) to banal substitution of cookies. However, I have never dealt with such a thing, and I am talking about it only so that you understand one thing - there is no such protection that it is not possible to crack, at least I have not heard of this (the exception may be cryptography, in which I alas, I don't understand at all). However, despite the fact that two-factor authentication is quite popular in the CIS, in the West they prefer to use another type of protection called vbv or mcsc. This is the same two-factor authentication, but with a set password for making payments on the network instead of an SMS notification coming to the phone. To put it simply, this is an “additional” password that the user sets on his credit card to make purchases on the network. And this system is much more vulnerable than SMS notification with two-factor authentication. Because the botnet virus collects this information with a bang, but in addition, some online stores often store such information in their databases, and hackers can take advantage of this. In addition, it is important to understand that not all cardholders install an SMS notification system. For example, retirees, people far from the Internet, who do not shop online, and do not even think about additional protection. Therefore, the carder himself can install this protection in order to freely use the funds stored on plastic. In this case, the carder can not only make payments on the Internet, but also observe the dynamics of the funds stored in the account. And this is almost the most important point, because everyone wants to know the balance of the cardboard so as not to run into the bank's anti-fraud system once again. As for the anti-fraud system, it exists not only in banks, but also in individual stores and services, and therefore this topic is quite extensive and to disclose it you will need to write more than one similar article.
Full info (Fullz)
Fullz is understood to mean complete information about the bank's client. This includes his full name, residence address, phone number, operating system, browser, mail, login and password from his bank account (hereinafter BA), mother's maiden name, as well as information from a credit card - number, security code and her life span… It is considered the most preferred and expensive product on the sites where the material is sold. Because the fullz, which has access to the BA, makes it possible to control expenses, as well as attach a credit card to certain services using microtransactions. This is the case when a small amount of money is withdrawn from the account, so that by indicating it, you confirm that you really are the owner of the account. For example, this method of synchronizing accounts is widely used in the PayPal payment system.
About methods of "draining" money from credit cards
There are a lot of ways to get money off the cardboard. The most popular is a thing, but this makes the practical application of the method many times more difficult. Hamsters keep coming here, hoping to make their first MacBook or IPhone, but you must understand that this is practically impracticable within the framework of the knowledge of beginners.
Stuff carding (Clothes carding)
Stuff carding is when you buy real "gear", send it to the drop's address, and he either keeps it for himself or sends it to the buyer. Drop is a dummy person. Drops are of two types - deceived and not deceived. Deceived drops are, as a rule, naive fools who are found on the network and asked to accept the parcel, and then send it to the appropriate address. Such drops are always bred in different ways - to whom they tell whiny stories, and to someone they simply rub themselves into trust and ask “brotherly” to accept the package. In short, who is in that much. Another thing is not deceived drops, which deliberately make a deal with the carder. Such people usually do not forward any packages until they receive payment from the drop channel. But the drop guide is a whole profession. This is the person who recruits drops and cooperates with the carder. In addition, there is a buyer in the chain who pays money for the goods to the carder. How much money the carder will receive is a matter of agreement, however, the highest interest on payments (30-40%) is paid to the carder for equipment (electrical goods, gold, optics).
The complexity of stuff carding lies in the fact that all shop owners install unique protection against carder attacks. It even hires a staff of workers who check orders by calling customers back on the phone and asking them for information about the order. An order is an order that a customer places. But for a carder who has all the information about the payer from fullz and a virtual phone number, such protection systems are not a problem to receive calls from abroad (for example, a skype number). In addition, shops often ask to take a photo of a credit card or send a scan of the payer's passport, but this is not a problem for a person who knows how to use Photoshop and owns templates of documents from different countries of the world. Do you understand where I am leading? The field is not plowed here. To truly succeed in this endeavor, you have to gradually master the above skills. Namely - English and at such a level that you can freely communicate by phone with a store representative; possession of photoshop, so that you can always quickly draw a card or identity document (driver's, foreign, etc.) By the way, those who have mastered these two skills perfectly can sell their services to hamsters on thematic forums. On the forums, it costs about $ 15 to draw a passport, and $ 10-20 to call. Dozens of newcomers can turn to such a specialist per day, respectively, here the carder earns without investing his own funds in the material, but only by providing his services.
Let's discuss the easiest way to implement stuff carding for beginners - online auctions. These are online stores in which one product pays off 10-20 times, and therefore they do not unfold the parcels and send them anywhere. Although carders create problems for online auctions, they are so insignificant in the scale of the profit generated by auctions that they do not bother especially and are ready to pay forfeits to bank customers. Usually, the protection system for online auctions is rather low because the owners of online auctions, as well as the owners of casinos, benefit from the fact that at the time of payment the client does not have any difficulties. The faster he pays, the higher the likelihood that he will not change his mind at the last moment. Therefore, replenishing various casinos or auctions, you may notice that they do not require much information from you, but for withdrawal of funds you will be asked to prove your identity. By the way, let's discuss a very important point that is pedaled all over the carding forums, and it is connected with the delivery of goods. You see, in most modern stores, it is customary to forward goods only to a user's registration address called a bill (billing address). However, there are also such stores that send to the ship (shipping address), and this can already be any address, for example, the address of your drop. So, finding a store that would send to the drop address, and not the payer's registration address, is quite difficult, however, if the carder succeeds, then he can be said in chocolate ? After making a payment, which in the cybercrime environment is simply called “card”, a notification is sent to the mail. Its content can be completely different, from refusal to purchase without explanation, to approval and further instructions on obtaining a tracking code that allows you to track goods in transit.
Payment systems
Unlike small online stores, which are quite vulnerable to carder attacks, payment systems are industry giants. There is not only a staff of people checking orders for authenticity, but a whole company of IT specialists who know how to distinguish a client from a carder, no matter how much he hides behind the guise of an ordinary user. In work with payment systems, two types of cash are widely used. One is based on hacked accounts of real users, and the other is based on so-called self-registrations. The more common and cheaper way is of course self-registration. Its essence lies in the fact that the carder creates an account in a particular payment system according to the data taken from the fullz (on a dummy person), and then pours the money of the same person to an account in the payment system, from which he has full access. Now the carder can freely pay with self-registration for goods, services, cryptocurrencies and much more. Every day, thousands of self-registers appear in various payment systems - PayPal, Skrill, Qiwi, MoneyGram, etc. Therefore, the system already knows how to distinguish a real user from a carder. Previously, it was possible to send money using Western Union all over the world, just having information about the holder, but now it becomes quite difficult, and therefore I strongly recommend that hamsters do not climb into this jungle. In addition, with the advent of cryptocurrency, carders pounced on it like a hungry dog on a bone, and therefore this direction has become too filthy. Do not build castles in the air and pipe dreams, here it is generally impossible for a beginner to make money. However, if the direction seems attractive to you, then you should stock up on quality material, as they say, in full. In addition to the data from the fullz, you will need to immediately draw the documents for the information contained in the fullz, buy a Skype number for dialing (or order this service on the appropriate forum), acquire and correctly configure a working machine and buy vpn, proxy or socks for these fullz (as a last resort, you can purchase or brute a Dedicated Server), and act as carefully as possible when carding, without arousing suspicion from the system. Will you ask me how to do this? The answer you may not like is test. Yes, it will take you a lot of money for the tests, I promise you this, and it’s not a fact that you will at least recoup your investment. Payment systems include various types of casinos in which carders drain money through the so-called pads. To do this, they use several self-registers, to which they lose money. It happens as follows: the carder creates an account, replenishes it from someone else's credit card, and then enters the poker room, where his own account is already waiting for him, running on another virtual machine. Then the carder loses all or part of the amount to his own self-regimen, and then turns the same thing again. Of course, it is easy for casino owners to recognize such a chain, but those who have been specializing in carding casinos for a long time can use layers to drain tons of money from the cards of the bourgeoisie. The last account that a carder cashes is called a pumped one. To upgrade your account, you need to replenish it several times, play and withdraw funds for at least two, and preferably three types of payment systems. Plus, the upgraded account must be fully verified, i.e. in the personal account there is a loaded passport, a phone number, and a bank account is connected. As you understand, the carder does not use his personal data when creating a pumped account, but uses the drop data, so that if something does not come home from the authorities, because the occupation is at least grayish ?
Transfers on SIM cards
I'm not afraid of this word, but working on cashing SIM cards is the easiest direction in carding, and there are quite objective reasons for this. The first is that international SIM card replenishment services do not belong to payment systems, and this gives us a relatively low anti-fraud system. The level of protection here is exactly the same as in most online stores, where there are employees who, as we discussed above, only clarify information from the fullz with us, and ask us to provide an identity document in the form of a scanned passport or driver's license. The second reason why you should start your carding journey with cashing SIM cards is the speed of the process itself. From the moment of carding and until the receipt of money, it can take from 30 minutes to several hours, which greatly facilitates the work. Here you do not have to sit on pins and needles for several weeks, as in a thing, waiting for the parcel to be deployed or dropped. Everything happens with lightning speed in SIM card cashing. Carding - passed - got money and no unnecessary reasons for concern. As for the SIM cards themselves, it is not difficult to acquire them, especially if you are familiar with avito, where you can buy tens or even hundreds of SIM cards for $ 1 apiece. Money is poured onto SIM cards through international top-up services. There are such services exclusively for the bourgeoisie who live over the hill, often travel and like to replenish SIM cards of various countries using credit cards. The attacker, disguised as a tourist, sets up a virtual machine, as with a normal carding, then goes through the google search engine to the desired site, and carding credit card, indicating one of the SIM cards purchased on Avito as an object of replenishment. With a successful carding, the money from the SIM card is immediately transferred to the qiwi-wallet created for this number. And from there, through the money changers, the money dissolves into the oblivion of the carder's pocket. Why aren't all carders doing this? Yes, because the exhaust in the cashing of SIM cards, although there is, is rather insignificant. For one replenishment of a SIM card, you can earn a maximum of $ 50, and this, for a minute, is the cost of all the material used for one card. Of course, if the cardboard is good, and the carder's hands grow from where they need it, then in a few days, thus, you can drain the entire credit card balance to a SIM card. But if the cardholder suspected something was wrong and called the bank, then the card is blocked and more than one or two replenishment will not work.
Gift certificates
In other words, gift certificates are what those who are engaged in clothing are carding first of all. I think there is no point in explaining what gift certificates are. However, it should be said that they are of two types - electronic and ordinary. We will talk with you about electronic gifts, since they are the ones that are valued by carders. In general, an electronic gift is nothing more than a set of numbers and letters that can be entered in an online store when purchasing a particular product. Guys who have been in carding for a long time and have been seriously engaged in stuff carding are using gift cards for purchases, because this reduces the chances that the parcel will be deployed somewhere along the way. But do not rush to google and look for online stores with gift certificates there to scard. Stores that sell digital goods are as secure as possible. Carding gifts is very difficult, and to some extent impossible without certain knowledge in this topic, however, you can get them in another way. When a carder buys a BA with a certain history, there is a high probability of finding bonuses for purchases on the account, which are credited to the cardholder for paying with a credit card in stores. You can spend bonuses at your own discretion, and among what the account owner can buy for his accumulated points, you can very often find gift certificates to Amazon, Apple, Girbest stores, etc. The cost of gift on forums is estimated at 15-30% of their nominal amount, i.e. if you have Amazon Gift with a total amount of $ 1000, you can sell them to clothes for $ 150-300. The amounts can vary for several reasons, one of which is your decency and reputation on the forum.
Hotels, flights
Only professionals work on such topics. Usually, there are two or three people on the forum who provide services such as registration of hotel rooms or flights for 20-30% of the face value. They card hotels and air travel with the same points that can be found in bank accounts. However, such bank accounts can be obtained in abundance only by having your own botnet, i.e. networks of computers infected with a virus. For example, spreading a virus over the network, the carder receives 10-20 new accounts of various banks, after which he needs to weed out those that have nothing from those that have the very desired bonuses. One or two accounts with bonuses are enough to buy a one-way plane ticket on them or rent a hotel room for several days. As you yourself understand, rarely anyone follows these bonuses, and therefore the likelihood that carding will be opened tends to zero. And besides, nobody really cares about these bonuses, the main thing is that the money is in place.
How do shops die?
This question cannot be left without due attention. The fact is that if you find a new store that has not opened so long ago and has not yet had time to meet a large number of carders, then you can clap your hands. After all, it is such a carder that makes everything from there that only his playful eyes can see. Carding without problems, and now there are dozens of letters on different mails containing notifications of successfully sent orders to various drop addresses. The boxes can contain everything your heart desires - phones, blenders, jewelry, branded clothing, video cards, musical instruments, pet food and much more. However, there comes a time when the number of approving letters from the store declines, and all credit cards with certain BINs begins to be blocked. This is what is called - the shop is dead. It's time to look for a new online store in order to resume the supply of goods to the buyer.
How to find shops?
In the entire history of the existence of carding, no one has given an unambiguous answer to this question. Finding shops is an absolutely unique process for each individual carder. An important role in finding "leaky" online stores is given to the skills of using the google search engine. Usually, before entering a search phrase into a string, use commands such as: “inurl:” and “intext:”. This helps make it easier to find, but it certainly doesn't make any guarantees. It happens that you find a shop in the most unexpected place, for example, studying the partners of one or another online store. Determine that you have found the right store will help "test" carding. For these purposes, you can use credit card, which is laid out in sections called "freebies" on carding forums. It is not the result of the carding that is important here, but the study of all sorts of stages and protection systems installed in the store. In the same way, they search not only for vulnerable online stores, but also for services like those that replenish SIM cards or those that rent domain names or even sites of hosting providers. Everything that is bought and sold on the Internet can be carded.
What do you need to know about carding?
In fact, everything is extremely simple here. First, you need to thoroughly test everything, and then proceed directly to the "drain" of money from the cardboard. But before you go to hammer in plastic, you need to donate money to any charity. This is done in order, firstly, to check the card for validity, and, secondly, to help not only oneself, but also those in need. If the money is successfully debited to a charitable foundation, then cardboard is good for the job. Now all that remains is to set up a virtual machine, create mail on one of the popular mail services, and go to the store through the PRODUCT search. Further, the actions should be as close as possible to those produced by new users entering the online store. Usually people “walk” and stare at the windows, and only after a while they decide to buy something. It is vitally important to follow these rules so as not to arouse unnecessary suspicion from the anti-fraud system that sees right through you. By itself, driving in is the usual credit card payment for the next product on the Internet. It is not allowed to use the "copy-paste" principle, which means that you need to fill in all the fields manually. Moreover, all these rules are applied both in clothing and in other carding areas.
Where to get material for work?
Perhaps this is the most frequently asked question of hamsters who come to carding, ready to get rich. However, there is no “perfect” answer here either. I can only warn you that most sellers are dishonest, and therefore it is extremely difficult to find your own seller. In addition, even if you come across a seller who meets the demand with real material, i.e. leaked from online stores or obtained from botnets, it is not a fact that the quality of its material will satisfy all your needs. You see, by leaking the database of credit cards from online stores, hackers may receive less information about credit cards, especially if the online store does not store all information about users. For example, it does not remember the CVV-code or the cardholder's name. In this case, you will waste your money. But how, then, to be? It's very simple - to rely on the main principle of carding is testing. However, in order to somehow save you and your money from unscrupulous sellers, I recommend that you buy material at the sites where the so-called escrow is installed. In other words, in stores where it is possible to dispute transactions, or at least use a guarantor service. It is better to overpay a little than to lose everything. And as soon as you make sure that the seller is conscientious, then you can do without using a guarantor.
How are hamsters bred?
I think you have already guessed that by the word "hamsters" I mean newcomers to carding. These are the people who rush to the first seller they come across and buy from him a “scheme” for making money or a dozen invalid credit cards. It is very easy to recognize a hamster, and to breed it for money is generally a nice thing. For example, on public forums every now and then pop up advertisements for the sale of carded equipment. However, think for yourself, who in their right mind will sell you a MacBook even for 50% of the cost, if it can be sold for 90%? And the hamsters are led and throw in their honestly earned money at the factory, in the hope of reselling this equipment at Avito. Here I will not disclose the names of these forums or point to specific individuals, but I will only warn you that hamster divorce has long become a stable and profitable business that thrives on the newly arriving masses of under-carders. As Sergei Panteleevich Mavrodi used to say: "a goof is not a mammoth - a goof will not die out ." Indeed, divorce in carding is so entrenched that hamsters themselves began to practice it. They sell everything: document rendering and dial-up services, Dedicated Servers, Google voice numbers, credit cards, accounts in payment systems, and much more. Therefore, when you come to carding today, you are 99% likely to stumble upon a scammer, however, if you can recognize him in time, then your money will remain safe. Do not be confused by such things as customer reviews or a well-designed seller's website, because now every non-crooked netizen can quickly rivet a website for himself, overtake comments there and cut the loot. Therefore, re-read once again how you need to approach the choice of sellers and you will definitely not fall for the hook ?
Safety in carding
I recently watched an interview with a person who was at the origins of one of the services for selling ready-made templates for websites. So, he told one story, according to which, at the very first placement of goods, the site began to receive massive carder attacks. As I said above, first of all, they try to scard digital goods and services that can be quickly resold on forums. And precisely because the site owner was so tired of carders, he reached an agreement with the main carder at that time, the owner of carderplanet, a forum for cybercriminals long forgotten by everyone, but very popular in the early 2000s. The agreement was that it is impossible in any case to work in the CIS countries. Believe it or not, it's up to you, but nevertheless, this rule has stuck deep in the minds of our compatriots from the field of carding, and I think it is better to adhere to this rule and take money out of the box only in the bourgeois West. By the way, this very West is the states and countries of Europe. Now for your immediate safety. To work, you need a configured virtual machine or its analogs in the form of Dedicated Servers. You will learn how to set up a car if you ask Google about it, because I see no reason to overload an already long article. If you are as lazy as I once was, then you can spend money on Dedicated Servers. Their cost varies from $ 2 to $ 10, depending on some parameters. Such as: the country, whether a deed or maybe leased, as in the case of the Amazon deed; frequency of use, etc. Dedicated Servers usually does not live long, especially if the carder is inept with them. In this case, the administrator easily calculates the uninvited guest and disconnects him from the network, and also changes the password, which permanently closes the path to the Dedicated Server for the carder. However, there are ways that will allow you to hide your presence on the server even for a short time. You can also find out about them from Google.
How to work
Finally, I would like to express my gratitude to you for reading this article, and I hope that although I did not provide more detailed instructions, as well as examples of the carder's work, the information turned out to be at least interesting for you. In this regard, I want to introduce you to several ways according to which you can always be, as they say, afloat in the world of carding. The methods that I will talk about a long time ago died, however, on their basis you can build your personal carding strategy, which will ultimately bring a lot of profit. Remember that carding loves a unique approach, and all those who buy shops, topics for earning money and the like are not spared by carding, but only empty their pockets. So the first topic is related to renting a home through the airbnb website. I think that many of you are familiar with this service. Here you can rent an apartment anywhere in the world by paying in advance with a credit card. So, for the carder, this provides an excellent opportunity to drain a little money from overseas. I hope everything is clear here. We go to the site under the guise of a drop (create a self-registration), register and connect the methods of withdrawing and depositing funds, after which we submit an advertisement for renting out real estate. The next step is by carding your own ad, but already under the guise of a visitor (cardholder) As I mentioned above, this method has long died and is in the public domain, however, it once hung in a closed section on a cow, from where I got this idea. The second method is more authoritative, but this does not make it less hard-working. There is such a platform called etsy, which is a kind of Internet bazaar where you can register your store and sell goods all over the world. Mostly handmade goods, that is, those that are produced by needlewomen. The scheme here is exactly the same as in working with airbnb. We register, create our own store, add products, catch up on some traffic so that the system does not be too suspicious, and then we carding credit card into our own products. By the way, goods can be both real and digital, which greatly speeds up the carving process. This topic is also dead, or at least dying for the reason that etsy has grown so much as a store that it has allowed itself to use the latest developments in the anti-fraud industry. Therefore, I do not recommend you to climb here either, however, I think these examples showed you that there are unrealistic opportunities in carding.
Conclusion
Please read, because this is very IMPORTANT. Carding is illegal, but like any other field of activity, it can play a cruel joke with you. He will help one get out of the debt hole, and the other, on the contrary, deprive everything. The only difference is with what attitude and knowledge you approach the process. Once again, I draw your attention to the fact that carding should be unique for everyone, because otherwise, topics die like flies, and in this case, there can be no talk of any kind of earnings. Treat your money with respect and do not throw it left and right. Before you do something, think carefully about whether you need it? In any case, this carding article is for informational purposes only, does not call anyone to anything, and is written only so that readers can protect themselves from the harmful influence of cybercriminals. Any article can lead to both good and bad consequences. Therefore, just take the information described above as an interesting reading matter, but do not try to repeat certain actions described by the author, because in the end it is you who will bear the responsibility. On this note, I do not say goodbye to you, but I will say goodbye to you in new articles!
