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In 2008, Sergey Pavlovich was accused of stealing the data of 170 million credit cards of Americans. He was detained in Belarus and served 10 years behind bars here. And today, as he claims, he completely revised his views on the world and realized that you only need to earn money in an honest way. What does the former carder do now?
"In a year it will make me a millionaire, but not a billionaire"
– My main business, which I run together with my partner – is attracting customers to cashback services that work with online stores. This is called traffic arbitrage: in various ways I catch up with the flow of visitors cheaper than they later bring me, " Sergey said in an interview Myfin.by.
According to him, such cashback services are very promising. Few people know this yet, but you can return up to 40% from each purchase in online stores. Plus, bring other people and earn 15% of their cashback. That's what Pavlovich does.
"There are online stores that spend money on TV and radio advertising, the effect of which is often difficult to assess, and there are those who prefer to pay cashback services a commission on each purchase of the client they bring," the source explains.
For example, an Adidas store pays the discounter 10% off each purchase. The service keeps half for itself, and returns half to the buyer, encouraging them to buy in online stores not directly, but each time through the cashback service's website.
"Thus, everyone wins: the online store, because it has received a new loyal customer, the cashback service itself, because it has earned, and the buyer, because he has saved a significant share of his funds," Sergey reveals the meaning of the scheme.
Pavlovich's book "How to steal a million". Photo: from my personal archive
Pavlovich mainly works with secretdiscounter.ru, and calculated that one client brought here brings him passive income of about $ 2 per year. You have brought 10 thousand customers – and you already have 20 thousand dollars of income, which will "drip" all the time while they make purchases on the service.
– In a year's time, it will make me a millionaire, but not a billionaire. Therefore, our partner and I are currently working on an even more advanced e-commerce system, and we will implement it in cooperation with secretdiscounter.ru either independently – the question is still open... - says Sergey.
"We made a product that is not a shame to give to the president"
Pavlovich's second project, Lucky Bucks, is souvenir dollars and piggy banks made of plaster with portraits of Franklin, Trump and Putin. The business was born by accident: we searched for a gift to a friend working in the financial sector, looked at souvenirs on the Internet related to money, and did not find any worthy ones.
-We didn't put the product on the market for a year until we achieved perfect quality: an oak stand, a branded envelope for money and greetings, a package made of fashionable kraft cardboard... In general, we made a brand for which I am not ashamed, and which can be given even to Putin, " says Sergey.
Interestingly, in the process of launching the production of souvenirs, the team tried to raise funds for it on two crowdfunding platforms: Talaka.by and Planeta.ru. At the first stage, according to the source, the result was zero.
– I attribute this to the fact that Talaka is still a platform "sharpened" more for Belarus, for national and cultural projects, and if I had placed the Pagonia coat of arms there, the result would have been much better – - the interlocutor reflects.
On Planeta, fees are much better. But even there, he admits, it is difficult to move the project, despite the fact that a beautiful video was shot and beautiful photos were posted… This is a common problem of all crowdfunding platforms: they provide a platform for hosting a project, but they do not guarantee traffic, and you have to attract all visitors yourself, Pavlovich believes.
– That's why I became disillusioned with crowdfunding: too much time and money spent on working with the media and attracting visitors. With the same success, the project can be placed on your own website and collect money for it directly from you, without paying a commission to crowdfunding platforms – " explains Sergey.
He adds that the project with souvenirs, he and his partner, of course, do not consider something serious, perceiving it more as a hobby. But still, at least, it adds PR. Dollars with Trump and Putin were interested in many media outlets that made reports on this issue.
"I had to rake out change from the piggy bank to buy food"
– It will surprise you, but my carder background helps me a lot in running a business. After all, carding is a very multidirectional area of Internet crime: you're a bit of a hacker, a bit of a spammer, a bit of a data peddler, a bit of a "social engineer" and a bit of an entrepreneur, " says Pavlovich.
According to Sergey, he is currently visiting Belarus, but he tries to spend his time and do business abroad. Explains that there are still questions about the past here. "As soon as something happens in the country, Pavlovich is immediately to blame," the former carder complains.
– Someone cashed in a large sum through a drunk who went to my school and I don't even know, so I'm also one of the suspects. Guys, calm down at last! I am engaged only in legal business, I served 10 years not to return there, - the interlocutor assures.
Moreover, now you can earn much more legally, times have changed, he explains. Yes, as he admits, during these two years after his release, there were difficult times, I even had to rake out change from the piggy bank to buy myself food.
– But that didn't make me go back to crime. I've accidentally killed a mosquito in the last couple of years, and I still regret it. What kind of crime is there, " Sergey says emotionally.
Pavlovich claims that while he was behind bars, he read many books on business and philosophy, which changed his worldview. Money is a blessing, it gives you freedom and the opportunity to discover your potential and talents. But this is still not the main thing.
"Business is just a stepping stone for me. What I want to do is reduce the amount of evil in the world, eliminate prejudice, and educate people. And this can only be achieved with the help of the Internet and opinion leaders. For a long time, I used the Internet for harm, but now I realized all its power, which should be used for good, " he notes.
- "In a year it will make me a millionaire, but not a billionaire"
- "We made a product that is not a shame to give to the president"
- "I had to rake out change from the piggy bank to buy food"
In 2008, Sergey Pavlovich was accused of stealing the data of 170 million credit cards of Americans. He was detained in Belarus and served 10 years behind bars here. And today, as he claims, he completely revised his views on the world and realized that you only need to earn money in an honest way. What does the former carder do now?
"In a year it will make me a millionaire, but not a billionaire"
– My main business, which I run together with my partner – is attracting customers to cashback services that work with online stores. This is called traffic arbitrage: in various ways I catch up with the flow of visitors cheaper than they later bring me, " Sergey said in an interview Myfin.by.
According to him, such cashback services are very promising. Few people know this yet, but you can return up to 40% from each purchase in online stores. Plus, bring other people and earn 15% of their cashback. That's what Pavlovich does.
"There are online stores that spend money on TV and radio advertising, the effect of which is often difficult to assess, and there are those who prefer to pay cashback services a commission on each purchase of the client they bring," the source explains.
For example, an Adidas store pays the discounter 10% off each purchase. The service keeps half for itself, and returns half to the buyer, encouraging them to buy in online stores not directly, but each time through the cashback service's website.
"Thus, everyone wins: the online store, because it has received a new loyal customer, the cashback service itself, because it has earned, and the buyer, because he has saved a significant share of his funds," Sergey reveals the meaning of the scheme.
Pavlovich's book "How to steal a million". Photo: from my personal archive
Pavlovich mainly works with secretdiscounter.ru, and calculated that one client brought here brings him passive income of about $ 2 per year. You have brought 10 thousand customers – and you already have 20 thousand dollars of income, which will "drip" all the time while they make purchases on the service.
– In a year's time, it will make me a millionaire, but not a billionaire. Therefore, our partner and I are currently working on an even more advanced e-commerce system, and we will implement it in cooperation with secretdiscounter.ru either independently – the question is still open... - says Sergey.
"We made a product that is not a shame to give to the president"
Pavlovich's second project, Lucky Bucks, is souvenir dollars and piggy banks made of plaster with portraits of Franklin, Trump and Putin. The business was born by accident: we searched for a gift to a friend working in the financial sector, looked at souvenirs on the Internet related to money, and did not find any worthy ones.
-We didn't put the product on the market for a year until we achieved perfect quality: an oak stand, a branded envelope for money and greetings, a package made of fashionable kraft cardboard... In general, we made a brand for which I am not ashamed, and which can be given even to Putin, " says Sergey.
Interestingly, in the process of launching the production of souvenirs, the team tried to raise funds for it on two crowdfunding platforms: Talaka.by and Planeta.ru. At the first stage, according to the source, the result was zero.
– I attribute this to the fact that Talaka is still a platform "sharpened" more for Belarus, for national and cultural projects, and if I had placed the Pagonia coat of arms there, the result would have been much better – - the interlocutor reflects.
On Planeta, fees are much better. But even there, he admits, it is difficult to move the project, despite the fact that a beautiful video was shot and beautiful photos were posted… This is a common problem of all crowdfunding platforms: they provide a platform for hosting a project, but they do not guarantee traffic, and you have to attract all visitors yourself, Pavlovich believes.
– That's why I became disillusioned with crowdfunding: too much time and money spent on working with the media and attracting visitors. With the same success, the project can be placed on your own website and collect money for it directly from you, without paying a commission to crowdfunding platforms – " explains Sergey.
He adds that the project with souvenirs, he and his partner, of course, do not consider something serious, perceiving it more as a hobby. But still, at least, it adds PR. Dollars with Trump and Putin were interested in many media outlets that made reports on this issue.
"I had to rake out change from the piggy bank to buy food"
– It will surprise you, but my carder background helps me a lot in running a business. After all, carding is a very multidirectional area of Internet crime: you're a bit of a hacker, a bit of a spammer, a bit of a data peddler, a bit of a "social engineer" and a bit of an entrepreneur, " says Pavlovich.
According to Sergey, he is currently visiting Belarus, but he tries to spend his time and do business abroad. Explains that there are still questions about the past here. "As soon as something happens in the country, Pavlovich is immediately to blame," the former carder complains.
– Someone cashed in a large sum through a drunk who went to my school and I don't even know, so I'm also one of the suspects. Guys, calm down at last! I am engaged only in legal business, I served 10 years not to return there, - the interlocutor assures.
Moreover, now you can earn much more legally, times have changed, he explains. Yes, as he admits, during these two years after his release, there were difficult times, I even had to rake out change from the piggy bank to buy myself food.
– But that didn't make me go back to crime. I've accidentally killed a mosquito in the last couple of years, and I still regret it. What kind of crime is there, " Sergey says emotionally.
Pavlovich claims that while he was behind bars, he read many books on business and philosophy, which changed his worldview. Money is a blessing, it gives you freedom and the opportunity to discover your potential and talents. But this is still not the main thing.
"Business is just a stepping stone for me. What I want to do is reduce the amount of evil in the world, eliminate prejudice, and educate people. And this can only be achieved with the help of the Internet and opinion leaders. For a long time, I used the Internet for harm, but now I realized all its power, which should be used for good, " he notes.
