Carder's tools for successful carding

[Student]

Carding is an illegal activity that involves using stolen or counterfeit banking information (such as credit card numbers) to commit financial fraud. People who engage in carding use a variety of tools and methods to achieve their goals. It is important to note that carding is a serious crime in most countries and those involved can be prosecuted.

Below is a list of tools and methods that may be used by carders. However, this information is provided for educational purposes only to help understand how carders operate and to help prevent such attacks.

1. Basic tools for carders​

A. Software​

• BIN/IIN Generators:
  • Used to create valid credit card numbers based on Bank Identification Numbers (BIN).
  • Examples: online generators, specialized scripts.
• Card Checkers:
  • Check whether the stolen card data is valid (e.g. CVV, expiration date).
  • Examples: checking through test payments on fictitious sites.
• Programs for dump analysis:
  • They analyze data obtained from magnetic stripes of cards (for example, through skimming).
  • Examples: specialized programs for working with MAGNETIC STRIPE DATA.

B. Skimming devices​

• Skimmers:
  • Devices that are installed on ATMs or POS terminals to steal data from magnetic stripes of cards.
• Shimming devices:
  • Similar to skimmers, but designed to intercept data from EMV chips.

C. Hacking Tools​

• Keyloggers:
  • Programs or devices that record keystrokes on the keyboard to steal logins, passwords and card data.
• Phishing tools:
  • Creation of fake websites or mailings to lure users' data.
• Brute force programs:
  • Used to guess passwords for online banking accounts.

D. Anonymizers​

• VPN (Virtual Private Network):
  • Hides the user's IP address and location.
• Proxy servers:
  • Used to mask traffic.
• Tor (The Onion Router):
  • Browser for anonymous surfing on the Internet.

E. Cashing out tools​

• POS terminals:
  • Mobile terminals for making purchases or withdrawing funds.
• Prepaid cards:
  • Fraudsters transfer stolen funds to prepaid cards for further use.
• Cryptocurrency wallets:
  • Used to convert stolen money into cryptocurrency.

2. Platforms and forums​

Carders often use specialized platforms to exchange data, buy/sell tools and coordinate actions:

• Shadow Forums:
  • Examples: RaidForums, BreachForums, Dark Web Marketplaces.
• Marketplaces:
  • Examples: Joker's Stash (closed), UniCC (retired).
• Chats and messengers:
  • Telegram, Jabber, Discord, Signal, qTOX.

3. Stages of carding​

A. Data retrieval​

• Data theft through skimming, shimming, phishing or database leaks.
• Buying data on black markets.

B. Data verification​

• Using checkers to verify the validity of cards.
• Testing with small amounts on safe sites.

C. Cashing out​

• Making purchases in online stores.
• Transfer funds to prepaid cards or cryptocurrency wallets.
• Using intermediaries ("drops") to obtain goods or cash.

4. Risks and consequences​

• Legal implications:
  • Participation in carding can result in imprisonment, large fines and a lifelong criminal record.
• Technical risks:
  • Banking systems and law enforcement agencies actively monitor suspicious activity.
• Ethical implications:
  • Carding causes financial harm to companies and individuals.

5. How to protect yourself from carding?​

If you want to protect your data from carders, follow these recommendations:

• Use strong passwords: Don't use the same passwords for different services.
• Enable two-factor authentication (2FA): This adds an extra layer of security.
• Check your accounts regularly: Watch for suspicious transactions.
• Be careful with phishing: Do not click on suspicious links or enter data on unverified sites.
• Use EMV cards: Chip cards are more secure than magnetic stripe cards.
• Protect your devices: Install antivirus software and update your system regularly.

Conclusion​

Carding is a complex and dangerous activity that requires technical knowledge and access to specialized tools. However, it is important to remember that any participation in carding is a crime and can lead to serious consequences. If you want to avoid becoming a victim of carders, follow safety rules and be careful when working with bank data.

Answer: Carders' tools include BIN generators, card checkers, skimming devices, VPN, Tor and other technologies. However, carding is illegal and its participants risk facing serious legal consequences.