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In such a developed time of technology, it turns out that some people earn money through hard work, while others simply steal it from bank accounts, but if only everything were that simple. Today, our topic is about carding - this is the dark side of the digital world, hidden behind the shiny windows of online stores and the convenience of cashless payments. This type of cybercrime, which includes theft and use of stolen banking information, continues to flourish despite the tightening of laws and the improvement of security technologies. Why is carding still attractive to fraudsters and what risks does it pose for ordinary users? How to protect yourself from carders? What is white plastic and is it relevant at all? In this topic, we will analyze the mechanisms of work and ways to protect against this cyber threat.
In such a developed time of technology, it turns out that some people earn money through hard work, while others simply steal it from bank accounts. But if everything were that simple? Today, our video is about carding. This is the dark side of the digital world, hidden behind the shiny windows of online stores and the convenience of cashless payments. This type of cybercrime, which includes theft and use of stolen banking information, continues to flourish despite tightening laws and improving security technologies.
Why is carding still attractive to fraudsters and what risks does it pose for ordinary users? How to protect yourself from carders? What is white plastic and is it relevant at all? In this topic, we will analyze the mechanisms of operation and ways to protect against this cyber threat. Someone now probably thought that the topic is too big and could be told in a couple of minutes.
But I can disappoint you, you can talk about carding for hours if you cover all its aspects. And after reviewing more than 40 videos on YouTube, I have not found a single video that will tell you what I will tell you now, my dear reader. Therefore, to plunge into the world of carding, I advise you to read the topic to the end. Enjoy reading!
What is carding? Carding is an illegal activity related to the theft of financial information about bank cards, card number, expiration date, CVV code and other information, and the use of this information to commit fraudulent transactions. The carder is the same person who drives around your yards in a supercar and is engaged in exactly such operations.
They use various methods, such as phishing, skimming, vishing, hacking databases to gain access to bank card data. The essence of vishing is that an unknown person calls the cardholder and introduces himself as a bank employee. Then a dialogue follows, during which the employee tries to find out the card data under various pretexts.
For example, it can be a check or unlocking of a supposedly blocked card. Then this data can be used to make purchases, withdraw cash using stolen cards or sell on carding forums or marketplaces from Dartnet. Is the work of a carder legal? So I will answer you, no, it is all considered a criminal act and is punishable by law. I hope I have clearly answered the question of what carding is, but now it is time to tell you what it consists of.
Many people know what bank card fraud is called, what carding is, but are not aware of all the working schemes of scammers and, therefore, how to protect themselves. Carders usually work in organized groups and use various methods to steal information from bank cards from its use. They can use the above-mentioned phishing to trick users into giving up their bank details, skimming to steal information from magnetic stripes on ATMs or payment terminals, hacking databases to get payment card details from online systems, etc.
Carders can then create cloned cards or sell the stolen data on the black market for subsequent fraudulent use. Carders can also fraudulently gain access to bank accounts, mislead support services, and even use technical methods to bypass security systems. So who are carders anyway? People who steal money from bank cards are called carders.
They collect information about cards fraudulently, stealing not only card numbers, owner initials, and expiration dates, but also get to the PINs and CVV codes. Such important data can be leaked using ATMs, paying in an online store, or at any other point where a bank card can be used. Basically, data is stolen through fictitious stores - these are copies of large stores that are not much different from the original.
On such resources, at the time of payment, fraudsters receive all the data about the card. Carders can cause a lot of trouble for the owner of the online store, it is important to protect yourself as much as possible. Otherwise, there is a chance to send paid goods and get a recalled payment, and also an accusation of fraud from buyers.
Clothing carding. Using the data of the stolen card, carders can send the purchased goods to so-called drops. This is called clothing carding, which is a subspecies of carding in general.
This is a type of fraud that involves purchasing goods and online services using stolen or cloned bank cards or other payment data. Carders, also known as carders, are specialists who use stolen data to make online transactions, such as purchasing goods using stolen cards. The process involves collecting information about bank cards, creating fake profiles on online platforms, using the stolen data to purchase various goods and receiving them for subsequent use or sale.
Fortunately, almost every schoolchild wants to earn easy money by opening a bank account in their own name or in their parents' name, and even more so, there are so-called droppers who you can contact and for a certain fee he will provide you with a drop of any taste and color, from a homeless person for a bottle of vodka to so-called manual drops for a more significant payment.
In this particular case, the role of the drop is to provide his address, receive the purchased goods for the stolen day and send them on. For this service they receive a certain percentage. Surely everyone has friends who asked to transfer funds through your bank card. For example, a situation when, allegedly, a friend of yours abroad transfers money, a buddy transfers it to your card, and you transfer it to him further, for which you also get your cherished 2%.
Hemorrhoids and a search in your apartment, but you only transferred the money through your account and did not even know what kind of money it was and where it came from. You want to ask, and in what exactly can you get a setup? There is no liability for the activities of a drop in the legislation. Answering your question, preventively, indeed, the legislation does not yet provide liability for this action, but considering the fact that you transferred criminally obtained money through your card, it will already be in connections with law enforcement agencies, and your name will be indicated as a defendant in a criminal case, and you will be closely watched. I hope I don't need to tell you that you shouldn't rely on banking institutions, and as soon as a request is made to them, they will immediately post everything on you, including IP addresses for authorization in online banking, user agent of the device, all your transfers, residential addresses, etc. And where would we be without hackers, everyone has their own job.
Some can hack accounts in online stores and then sell the so-called logs, dumps of bank cards on forums of shadow topics or well-known marketplaces. Others provide their so-called merch, through which they offer to leak stolen bank cards for their percentage. In short, merch is a system for processing incoming payments from clients. In simple terms, this is actually the system that accepts payments from a card through a website.
There are quite a lot of merchants. Some stores use their own merchant accounts, while others prefer to connect to popular merch. If you have read this far and are really interested, here is some information on merch. To determine what merch a store uses, we can use the site buildwiz.com. We enter the URL of the site in the input field and the merch should be in the e-commerce section, but it happens that the site may not show it, then we will have to look at the browser redirects.
In the routine called the Internet, there are quite a lot of supposed merch for every taste and color, whether for America or Europe, choose whichever you want. The PayPal payment system deserves special attention, in our area the so-called stick. Some beginners think that it is easier to work with it, but this is far from true. To be able to work with it, you need to invest a lot of time to study all the nuances and subtleties when working with this payment system.
I advise beginners not to worry about this. But even here, not everything is so clear, you need to understand that while some are making money on one, others are trying to make money on the former, and such a food chain will always haunt us, because the strongest survives. And if you haven't guessed yet, then in this environment called merch, there are little-known phishing merch. Yes, you heard right. Phishing works not only in the chain between a criminal and an ordinary mortal, it also works between a criminal and another criminal.
And, as they say, the strongest survives here. It happens that the hit went great, but there is no track and the pack is not sent. Perhaps you fell under the distribution of guys who are engaged in the creation of phishing merch, who make such fake pages to collect material. Take a closer look at the prices on the site, they are often always much lower than others, in order to collect a fatter base. But to disclose this topic, a separate topic is needed, so we will not linger here for long, but there is still something to talk about.
And if you have already decided to close the page, then you should not do this, because we have just warmed up and we can talk about carding forever, but only in my video you will find answers to all your questions. There are many videos on the Internet, but only a few are truly informative. And although my channel was only recently created, do not worry, this is just the beginning. Let's move on.
Hit is another key carding. And yes, where would we be without the process of checking stolen or cloned bank cards for their validity and the ability to make purchases.
Before buying logs, a respectable carder will ask the seller to provide proof of the validity of the card data. Since there are so-called dumps on the Internet, there are a lot of them, and not everyone has a question: why sell these logs if you can process everything yourself and withdraw the cache. But few people know that you can also sell these processed dumps further. Or maybe some sucker will buy them and think that he will become a millionaire, but they have already been shoveled from head to toe.
The process of hit usually includes the use of special online resources called checkers, which allow you to check whether the stolen card data works or can be used to make payments. This is how the carders were born. They can also use special programs or scripts to automate the process of checking a large number of bank cards. The question of what is hit can be answered like this. The main goal of this procedure is to find out which stolen data and cards are valid and can be used for fraudulent purposes, such as online shopping or other transactions. Carders can also check card limits, blocking, and other information that will help them find out how successfully they can use the stolen cards. During the improvement of the banking system as a whole, white plastic is no longer relevant. It was removed from the market by the so-called electronic payment systems, such as Apple Pay, Google Pay, PayPal, and others.
White plastic in carding is a clean, unwritten bank card that is used to record stolen data. Such cards are physically similar to regular bank cards, but they are initially blank and are intended for subsequent copying of information stolen from the victim's cards in order to use it for fraudulent purposes. The path to card data hit on white plastic begins with its acquisition by the carder in order to record data obtained through skimming, vishing, or leaks from databases.
This data is recorded using special devices - encoders, which transfer information from the magnetic strip of the stolen card to the same blank one, which we call white plastic. And where would we be without creating counterfeit cards? Using an encoder, carders write information to the magnetic strip of white plastic, creating a counterfeit card that can be used in ATMs and terminals.
For example, in regions where a magnetic strip is used, not a chip, such cards can be used to withdraw cash. White plastic allows carders to enter the security system and use counterfeit cards in places where there is no strict authentication, as is the case with EMM chips. In some countries or in certain terminals, outdated equipment is still used that does not check for the presence of a chip on the card. Since the introduction of EMM chips, many banks have tightened security requirements, which makes it difficult to use white plastic.
However, in countries and locations where the magnetic strip is still used, white plastic remains a real threat. This plastic in carding demonstrated how fraudsters exploit security flaws to gain access to funds. And now that we have finished the components of carding, we can safely move on to how carding works. And as promised, there will be a long, but also very interesting topic.
How does carding work? Carders can obtain stolen payment data in various ways, such as, as we have already said, vishing, skimming, etc., which involves installing devices to read data from bank cards, hacking company databases or buying stolen information on dark markets. After that, they create fake profiles on online platforms using stolen or cloned data, such as card number, expiration date, CVV code. Then they select the goods they want to buy and place an order, entering the stolen payment data during the purchase process.
It is important to note that carders can use anonymous networks, virtual private networks, or VPNs, or proxy servers to hide their location and bypass security systems. But there are several other ways carders can cash out your savings on the card, including selling goods, returning goods, exchanging for cryptocurrency, creating fake companies, and cashing out using arbitrage.
Selling goods means that they can sell the goods at drug markets or through other channels to get cash. Returning goods means that after purchasing goods with stolen cards, carders can buy a product, for example, a laptop worth several thousand dollars. Returning the goods to the store because the goods did not fit for money or gift cards, thereby getting the very few thousand dollars, but already on a card controlled by the carder. But not all stores work this method.
Exchanging for cryptocurrency means that you can exchange the funds stolen from the cards for cryptocurrency, such as Bitcoin, which is then converted into fiat money or used for other cashing operations. The creation of fake companies is that carders can create fake companies or Internet projects where they can use the stolen money to buy services or goods in their own company, thus cashing out money.
Cashing out using arbitration. And here begins the confirmation of our words that the globalization of the Internet is flourishing every day, and after all, a few years ago carders were hit cards on the so-called white plastic. But we are developing quickly, and an example of arbitration, which carders use, can be highlighted by the situation that once suffered at the hands of carders and received a bank statement, you saw that your bank cards paid for Facebook services, then know, you have become a patron of an advanced carder.
But really, this development helped the carder not to pour money from the card, but to pass the stolen finances through Facebook or other platforms, the information leakage from which is much less than from a school drop, whose parents will be called to the authorities and he will quickly give you up. This method can be called an ideal investment in the future and the cooperation of the carder and the arbitrageur can be quite promising.
Carder-cashier. Yes, there are cases when cashiers in stores are involved in carding activities or are carders. Some cashiers can be recruited by carders to use stolen payment data when placing orders or returning goods to cash out funds. They can also be involved in other schemes using stolen or copied cards. Stores usually take security measures, including staff training and monitoring financial transactions, to prevent and detect such cases.
But I would not rely on stages, you need to protect yourself yourself, because no one except you will take care of your hard-earned money on a bank card. And where would we be without skimmers? This is the process of physically copying data from a card, most often through a special device, the so-called skimmer. Skimmers are installed on ATMs or payment terminals and discreetly read data from the magnetic strip of the card. When the owner enters a PIN code, small cameras and transparent silicone pads on the keyboard with a reading device are also installed.
You can notice all this, but how often do we look closely at the ATM when withdrawing money? I think not often. The received data is then copied to a white plastic blank card, which allows the carder to use the victim's money in ATMs and stores. How are skimming and carding related? So skimming is one of the methods used to obtain card data in order to then engage in carding.
It's very simple. While skimming usually involves a physical device for copying data, carding covers a wider range of actions and can include both physical and digital methods of stealing information. For example, after receiving data through skimming, attackers can use it for online shopping, which is carding. But what if I told you that hackers can use hacker attack methods to get bank card data from the bank itself? And this is possible.
There are already many cases of hacker attacks on various banking institutions. The purpose of these attacks could be to obtain confidential data, namely, last names, patronymics, bank card and account numbers, verification word, dates and expiration dates of the card, security code, also known as CVV, with the exception of the PIN code from the card. After all, there are quite a few cases of powerful DDoS attacks on banking institutions. Although some are pouring a lot of resources into the so-called anti-fraud system. Strengthening cybersecurity, others are pouring resources into how these systems can be broken and still succeed.
And this arms race will last forever. Hackers also use, in addition to phishing, several other methods to steal data, including spyware, not stealers, which intercept card data entered by the user on an infected device. This stolen data is called logs and card dumps. Logs are records of transactions carried out with the card and contain information that can help the criminal understand how and where to use the stolen card.
Dumps, if you haven't figured it out yet, I'll explain it for you. These are full magnetic stripe data that can be written to a white card to withdraw cash or pay for goods. After the data is stolen, it is most often leaked by hackers on the Darknet or other thematic forums. There are many forums and marketplaces on the Darknet where hackers and carders can buy logs and card dumps for cryptocurrency.
This market allows actors to find buyers and avoid tracking by law enforcement. Carders can avoid punishment for various reasons. Firstly, it is the complexity of investigations. After all, this is not just an alcoholic who stole a shopping cart in a supermarket and was spotted on 100-500 cameras. Carding crimes often cross international borders. In the conditions of complex technical verification and investigation, which makes the process of prosecuting carders more difficult.
Other reasons include anonymity. Carders use anonymous networks, virtual private networks VPNs or proxy servers to hide their location during security systems. This helps them remain anonymous and avoid identification and arrest. Also, using fake and false data during the commission of crimes makes it difficult to investigate and identify. In some cases, carders may leave the country or abscond from justice, evading trial and punishment.
They can also use encryption and other techniques to protect their information and computers from detection and intrusion. Since they are part of the dark community, they are aware of the capabilities of the law enforcement system and are ready to race for them. Law enforcement agencies and anti-fraud organizations are actively working to identify and stop the activities of carders, but first of all, you should know how to protect yourself from carding.
So, let's move on to the key point of this article - protection from carding.
1. Do not share information about your payment details. Never give your card number, card expiration date, CVV code or other confidential data to strangers or suspicious persons, and do not send such data by email or messages.
2. Use reliable and secure online services. When shopping online, prefer payment systems with a good reputation, data protection mechanisms, such as two-factor authentication.
3. Monitor your financial transactions. Regularly check your bank and credit card statements for any suspicious transactions or charges.
4. Use strong passwords. Use complex passwords that include a combination of letters, numbers, and special characters, and change them regularly on your cards.
5. Update your software. Keep your devices and software up to date to avoid vulnerabilities and attacks from cybercriminals, aka hackers.
6. Be careful when using public Wi-Fi. Avoid entering sensitive data on public or untrusted Wi-Fi networks, as this may increase the risk of information theft.
7. Check ATMs. If you see unusual elements on an ATM or payment terminal, this may be a sign of a skimmer.
8. Avoid entering card details on suspicious websites. Always check the URL and the presence of an SSL certificate, aka HTTPS.
9. Use two-factor authentication and receive notifications from the bank. Don't be lazy to overpay for these notifications and warnings, because in the end it can save much more money.
10. Don't save card details in the browser and be careful with suspicious applications, and also forget about saving bank card details in applications such as Aliexpress, Amazon and others, which are subject to frequent DDoS attacks precisely with the purpose of obtaining this data about your accounts.
As with skimming, it is not possible to notice the theft of card funds right away. Most often, the attackers immediately use the funds transferred by the buyer, so that he receives a report on the successful payment and waits for his order, as if nothing had happened. In the absence of SMS notifications and Internet banking to control card transactions, it is completely impossible to notice expenses until a certain point.
By observing these simple precautions, you can significantly reduce the likelihood of becoming a victim of carding and other types of fraud. I am sure that you now know what carding is and how to protect yourself, and you can easily answer the question of what to do if your card data has been stolen.
It is impossible to answer the question of how much carders earn, since everything depends on the specific type of activity and the mat, the material with which he works, but clearly more than you would earn as a stashman.
And as a conclusion to this mini-guide, I can say that carding and skimming are serious threats that can lead to the loss of your funds. Understanding these schemes helps protect yourself and your finances, even now, in 2025. If this topic was useful, don't forget to leave a comment. Bye everyone!
In such a developed time of technology, it turns out that some people earn money through hard work, while others simply steal it from bank accounts. But if everything were that simple? Today, our video is about carding. This is the dark side of the digital world, hidden behind the shiny windows of online stores and the convenience of cashless payments. This type of cybercrime, which includes theft and use of stolen banking information, continues to flourish despite tightening laws and improving security technologies.
Why is carding still attractive to fraudsters and what risks does it pose for ordinary users? How to protect yourself from carders? What is white plastic and is it relevant at all? In this topic, we will analyze the mechanisms of operation and ways to protect against this cyber threat. Someone now probably thought that the topic is too big and could be told in a couple of minutes.
But I can disappoint you, you can talk about carding for hours if you cover all its aspects. And after reviewing more than 40 videos on YouTube, I have not found a single video that will tell you what I will tell you now, my dear reader. Therefore, to plunge into the world of carding, I advise you to read the topic to the end. Enjoy reading!
What is carding? Carding is an illegal activity related to the theft of financial information about bank cards, card number, expiration date, CVV code and other information, and the use of this information to commit fraudulent transactions. The carder is the same person who drives around your yards in a supercar and is engaged in exactly such operations.
They use various methods, such as phishing, skimming, vishing, hacking databases to gain access to bank card data. The essence of vishing is that an unknown person calls the cardholder and introduces himself as a bank employee. Then a dialogue follows, during which the employee tries to find out the card data under various pretexts.
For example, it can be a check or unlocking of a supposedly blocked card. Then this data can be used to make purchases, withdraw cash using stolen cards or sell on carding forums or marketplaces from Dartnet. Is the work of a carder legal? So I will answer you, no, it is all considered a criminal act and is punishable by law. I hope I have clearly answered the question of what carding is, but now it is time to tell you what it consists of.
Many people know what bank card fraud is called, what carding is, but are not aware of all the working schemes of scammers and, therefore, how to protect themselves. Carders usually work in organized groups and use various methods to steal information from bank cards from its use. They can use the above-mentioned phishing to trick users into giving up their bank details, skimming to steal information from magnetic stripes on ATMs or payment terminals, hacking databases to get payment card details from online systems, etc.
Carders can then create cloned cards or sell the stolen data on the black market for subsequent fraudulent use. Carders can also fraudulently gain access to bank accounts, mislead support services, and even use technical methods to bypass security systems. So who are carders anyway? People who steal money from bank cards are called carders.
They collect information about cards fraudulently, stealing not only card numbers, owner initials, and expiration dates, but also get to the PINs and CVV codes. Such important data can be leaked using ATMs, paying in an online store, or at any other point where a bank card can be used. Basically, data is stolen through fictitious stores - these are copies of large stores that are not much different from the original.
On such resources, at the time of payment, fraudsters receive all the data about the card. Carders can cause a lot of trouble for the owner of the online store, it is important to protect yourself as much as possible. Otherwise, there is a chance to send paid goods and get a recalled payment, and also an accusation of fraud from buyers.
Clothing carding. Using the data of the stolen card, carders can send the purchased goods to so-called drops. This is called clothing carding, which is a subspecies of carding in general.
This is a type of fraud that involves purchasing goods and online services using stolen or cloned bank cards or other payment data. Carders, also known as carders, are specialists who use stolen data to make online transactions, such as purchasing goods using stolen cards. The process involves collecting information about bank cards, creating fake profiles on online platforms, using the stolen data to purchase various goods and receiving them for subsequent use or sale.
Fortunately, almost every schoolchild wants to earn easy money by opening a bank account in their own name or in their parents' name, and even more so, there are so-called droppers who you can contact and for a certain fee he will provide you with a drop of any taste and color, from a homeless person for a bottle of vodka to so-called manual drops for a more significant payment.
In this particular case, the role of the drop is to provide his address, receive the purchased goods for the stolen day and send them on. For this service they receive a certain percentage. Surely everyone has friends who asked to transfer funds through your bank card. For example, a situation when, allegedly, a friend of yours abroad transfers money, a buddy transfers it to your card, and you transfer it to him further, for which you also get your cherished 2%.
Hemorrhoids and a search in your apartment, but you only transferred the money through your account and did not even know what kind of money it was and where it came from. You want to ask, and in what exactly can you get a setup? There is no liability for the activities of a drop in the legislation. Answering your question, preventively, indeed, the legislation does not yet provide liability for this action, but considering the fact that you transferred criminally obtained money through your card, it will already be in connections with law enforcement agencies, and your name will be indicated as a defendant in a criminal case, and you will be closely watched. I hope I don't need to tell you that you shouldn't rely on banking institutions, and as soon as a request is made to them, they will immediately post everything on you, including IP addresses for authorization in online banking, user agent of the device, all your transfers, residential addresses, etc. And where would we be without hackers, everyone has their own job.
Some can hack accounts in online stores and then sell the so-called logs, dumps of bank cards on forums of shadow topics or well-known marketplaces. Others provide their so-called merch, through which they offer to leak stolen bank cards for their percentage. In short, merch is a system for processing incoming payments from clients. In simple terms, this is actually the system that accepts payments from a card through a website.
There are quite a lot of merchants. Some stores use their own merchant accounts, while others prefer to connect to popular merch. If you have read this far and are really interested, here is some information on merch. To determine what merch a store uses, we can use the site buildwiz.com. We enter the URL of the site in the input field and the merch should be in the e-commerce section, but it happens that the site may not show it, then we will have to look at the browser redirects.
In the routine called the Internet, there are quite a lot of supposed merch for every taste and color, whether for America or Europe, choose whichever you want. The PayPal payment system deserves special attention, in our area the so-called stick. Some beginners think that it is easier to work with it, but this is far from true. To be able to work with it, you need to invest a lot of time to study all the nuances and subtleties when working with this payment system.
I advise beginners not to worry about this. But even here, not everything is so clear, you need to understand that while some are making money on one, others are trying to make money on the former, and such a food chain will always haunt us, because the strongest survives. And if you haven't guessed yet, then in this environment called merch, there are little-known phishing merch. Yes, you heard right. Phishing works not only in the chain between a criminal and an ordinary mortal, it also works between a criminal and another criminal.
And, as they say, the strongest survives here. It happens that the hit went great, but there is no track and the pack is not sent. Perhaps you fell under the distribution of guys who are engaged in the creation of phishing merch, who make such fake pages to collect material. Take a closer look at the prices on the site, they are often always much lower than others, in order to collect a fatter base. But to disclose this topic, a separate topic is needed, so we will not linger here for long, but there is still something to talk about.
And if you have already decided to close the page, then you should not do this, because we have just warmed up and we can talk about carding forever, but only in my video you will find answers to all your questions. There are many videos on the Internet, but only a few are truly informative. And although my channel was only recently created, do not worry, this is just the beginning. Let's move on.
Hit is another key carding. And yes, where would we be without the process of checking stolen or cloned bank cards for their validity and the ability to make purchases.
Before buying logs, a respectable carder will ask the seller to provide proof of the validity of the card data. Since there are so-called dumps on the Internet, there are a lot of them, and not everyone has a question: why sell these logs if you can process everything yourself and withdraw the cache. But few people know that you can also sell these processed dumps further. Or maybe some sucker will buy them and think that he will become a millionaire, but they have already been shoveled from head to toe.
The process of hit usually includes the use of special online resources called checkers, which allow you to check whether the stolen card data works or can be used to make payments. This is how the carders were born. They can also use special programs or scripts to automate the process of checking a large number of bank cards. The question of what is hit can be answered like this. The main goal of this procedure is to find out which stolen data and cards are valid and can be used for fraudulent purposes, such as online shopping or other transactions. Carders can also check card limits, blocking, and other information that will help them find out how successfully they can use the stolen cards. During the improvement of the banking system as a whole, white plastic is no longer relevant. It was removed from the market by the so-called electronic payment systems, such as Apple Pay, Google Pay, PayPal, and others.
White plastic in carding is a clean, unwritten bank card that is used to record stolen data. Such cards are physically similar to regular bank cards, but they are initially blank and are intended for subsequent copying of information stolen from the victim's cards in order to use it for fraudulent purposes. The path to card data hit on white plastic begins with its acquisition by the carder in order to record data obtained through skimming, vishing, or leaks from databases.
This data is recorded using special devices - encoders, which transfer information from the magnetic strip of the stolen card to the same blank one, which we call white plastic. And where would we be without creating counterfeit cards? Using an encoder, carders write information to the magnetic strip of white plastic, creating a counterfeit card that can be used in ATMs and terminals.
For example, in regions where a magnetic strip is used, not a chip, such cards can be used to withdraw cash. White plastic allows carders to enter the security system and use counterfeit cards in places where there is no strict authentication, as is the case with EMM chips. In some countries or in certain terminals, outdated equipment is still used that does not check for the presence of a chip on the card. Since the introduction of EMM chips, many banks have tightened security requirements, which makes it difficult to use white plastic.
However, in countries and locations where the magnetic strip is still used, white plastic remains a real threat. This plastic in carding demonstrated how fraudsters exploit security flaws to gain access to funds. And now that we have finished the components of carding, we can safely move on to how carding works. And as promised, there will be a long, but also very interesting topic.
How does carding work? Carders can obtain stolen payment data in various ways, such as, as we have already said, vishing, skimming, etc., which involves installing devices to read data from bank cards, hacking company databases or buying stolen information on dark markets. After that, they create fake profiles on online platforms using stolen or cloned data, such as card number, expiration date, CVV code. Then they select the goods they want to buy and place an order, entering the stolen payment data during the purchase process.
It is important to note that carders can use anonymous networks, virtual private networks, or VPNs, or proxy servers to hide their location and bypass security systems. But there are several other ways carders can cash out your savings on the card, including selling goods, returning goods, exchanging for cryptocurrency, creating fake companies, and cashing out using arbitrage.
Selling goods means that they can sell the goods at drug markets or through other channels to get cash. Returning goods means that after purchasing goods with stolen cards, carders can buy a product, for example, a laptop worth several thousand dollars. Returning the goods to the store because the goods did not fit for money or gift cards, thereby getting the very few thousand dollars, but already on a card controlled by the carder. But not all stores work this method.
Exchanging for cryptocurrency means that you can exchange the funds stolen from the cards for cryptocurrency, such as Bitcoin, which is then converted into fiat money or used for other cashing operations. The creation of fake companies is that carders can create fake companies or Internet projects where they can use the stolen money to buy services or goods in their own company, thus cashing out money.
Cashing out using arbitration. And here begins the confirmation of our words that the globalization of the Internet is flourishing every day, and after all, a few years ago carders were hit cards on the so-called white plastic. But we are developing quickly, and an example of arbitration, which carders use, can be highlighted by the situation that once suffered at the hands of carders and received a bank statement, you saw that your bank cards paid for Facebook services, then know, you have become a patron of an advanced carder.
But really, this development helped the carder not to pour money from the card, but to pass the stolen finances through Facebook or other platforms, the information leakage from which is much less than from a school drop, whose parents will be called to the authorities and he will quickly give you up. This method can be called an ideal investment in the future and the cooperation of the carder and the arbitrageur can be quite promising.
Carder-cashier. Yes, there are cases when cashiers in stores are involved in carding activities or are carders. Some cashiers can be recruited by carders to use stolen payment data when placing orders or returning goods to cash out funds. They can also be involved in other schemes using stolen or copied cards. Stores usually take security measures, including staff training and monitoring financial transactions, to prevent and detect such cases.
But I would not rely on stages, you need to protect yourself yourself, because no one except you will take care of your hard-earned money on a bank card. And where would we be without skimmers? This is the process of physically copying data from a card, most often through a special device, the so-called skimmer. Skimmers are installed on ATMs or payment terminals and discreetly read data from the magnetic strip of the card. When the owner enters a PIN code, small cameras and transparent silicone pads on the keyboard with a reading device are also installed.
You can notice all this, but how often do we look closely at the ATM when withdrawing money? I think not often. The received data is then copied to a white plastic blank card, which allows the carder to use the victim's money in ATMs and stores. How are skimming and carding related? So skimming is one of the methods used to obtain card data in order to then engage in carding.
It's very simple. While skimming usually involves a physical device for copying data, carding covers a wider range of actions and can include both physical and digital methods of stealing information. For example, after receiving data through skimming, attackers can use it for online shopping, which is carding. But what if I told you that hackers can use hacker attack methods to get bank card data from the bank itself? And this is possible.
There are already many cases of hacker attacks on various banking institutions. The purpose of these attacks could be to obtain confidential data, namely, last names, patronymics, bank card and account numbers, verification word, dates and expiration dates of the card, security code, also known as CVV, with the exception of the PIN code from the card. After all, there are quite a few cases of powerful DDoS attacks on banking institutions. Although some are pouring a lot of resources into the so-called anti-fraud system. Strengthening cybersecurity, others are pouring resources into how these systems can be broken and still succeed.
And this arms race will last forever. Hackers also use, in addition to phishing, several other methods to steal data, including spyware, not stealers, which intercept card data entered by the user on an infected device. This stolen data is called logs and card dumps. Logs are records of transactions carried out with the card and contain information that can help the criminal understand how and where to use the stolen card.
Dumps, if you haven't figured it out yet, I'll explain it for you. These are full magnetic stripe data that can be written to a white card to withdraw cash or pay for goods. After the data is stolen, it is most often leaked by hackers on the Darknet or other thematic forums. There are many forums and marketplaces on the Darknet where hackers and carders can buy logs and card dumps for cryptocurrency.
This market allows actors to find buyers and avoid tracking by law enforcement. Carders can avoid punishment for various reasons. Firstly, it is the complexity of investigations. After all, this is not just an alcoholic who stole a shopping cart in a supermarket and was spotted on 100-500 cameras. Carding crimes often cross international borders. In the conditions of complex technical verification and investigation, which makes the process of prosecuting carders more difficult.
Other reasons include anonymity. Carders use anonymous networks, virtual private networks VPNs or proxy servers to hide their location during security systems. This helps them remain anonymous and avoid identification and arrest. Also, using fake and false data during the commission of crimes makes it difficult to investigate and identify. In some cases, carders may leave the country or abscond from justice, evading trial and punishment.
They can also use encryption and other techniques to protect their information and computers from detection and intrusion. Since they are part of the dark community, they are aware of the capabilities of the law enforcement system and are ready to race for them. Law enforcement agencies and anti-fraud organizations are actively working to identify and stop the activities of carders, but first of all, you should know how to protect yourself from carding.
So, let's move on to the key point of this article - protection from carding.
1. Do not share information about your payment details. Never give your card number, card expiration date, CVV code or other confidential data to strangers or suspicious persons, and do not send such data by email or messages.
2. Use reliable and secure online services. When shopping online, prefer payment systems with a good reputation, data protection mechanisms, such as two-factor authentication.
3. Monitor your financial transactions. Regularly check your bank and credit card statements for any suspicious transactions or charges.
4. Use strong passwords. Use complex passwords that include a combination of letters, numbers, and special characters, and change them regularly on your cards.
5. Update your software. Keep your devices and software up to date to avoid vulnerabilities and attacks from cybercriminals, aka hackers.
6. Be careful when using public Wi-Fi. Avoid entering sensitive data on public or untrusted Wi-Fi networks, as this may increase the risk of information theft.
7. Check ATMs. If you see unusual elements on an ATM or payment terminal, this may be a sign of a skimmer.
8. Avoid entering card details on suspicious websites. Always check the URL and the presence of an SSL certificate, aka HTTPS.
9. Use two-factor authentication and receive notifications from the bank. Don't be lazy to overpay for these notifications and warnings, because in the end it can save much more money.
10. Don't save card details in the browser and be careful with suspicious applications, and also forget about saving bank card details in applications such as Aliexpress, Amazon and others, which are subject to frequent DDoS attacks precisely with the purpose of obtaining this data about your accounts.
As with skimming, it is not possible to notice the theft of card funds right away. Most often, the attackers immediately use the funds transferred by the buyer, so that he receives a report on the successful payment and waits for his order, as if nothing had happened. In the absence of SMS notifications and Internet banking to control card transactions, it is completely impossible to notice expenses until a certain point.
By observing these simple precautions, you can significantly reduce the likelihood of becoming a victim of carding and other types of fraud. I am sure that you now know what carding is and how to protect yourself, and you can easily answer the question of what to do if your card data has been stolen.
It is impossible to answer the question of how much carders earn, since everything depends on the specific type of activity and the mat, the material with which he works, but clearly more than you would earn as a stashman.
And as a conclusion to this mini-guide, I can say that carding and skimming are serious threats that can lead to the loss of your funds. Understanding these schemes helps protect yourself and your finances, even now, in 2025. If this topic was useful, don't forget to leave a comment. Bye everyone!
