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Hello, carders!
Today we will be purchasing from bourgeois cards offline.
Apple Pay does not share original bank card details with the merchant, but instead uses a "dynamic security code" in transactions.
The main feature and advantage of this topic is offline purchase. This is the same as if you go and pay with your personal card in a store, but there are some nuances that will be described in this article.
2. A phone with NFC function. This is any iPhone phone starting from the 6th series and above;
3. Dialer, lookuper SSN and DOB;
4. A store with a POS terminal that supports NFC (These POS terminals are everywhere now, unless you live in a village)
At the POS or at the store itself (if it is a shopping center) there will be a picture like this.
Or just ask at the checkout, “Can I pay with contactless payment?” (Apple Pay in our case).
Any cards that support Apple Pay.
You need to choose those banks that are enrolled by lookup through the SSN and DOB.
There are a lot of such banks in USA, choose the bank that you like.
When purchasing, choose the card that has information about the CH's email and phone number.
We go to the bank's website from the dedicated server (RDP) / Linken Sphere. First, we look for US tunnels/socks, the state is not important, the main thing is that it is clean.
There will be 2 paths of development here.
In this case, we simply register the card using our data.
We pay the caller (on average it costs 10 bucks), we give him the email that is linked to online banking and his phone number (all this is found out when we start rolling).
We make the mail to which we want to change (it is advisable to choose a neutral mail or similar to the mail of the CH). After changing the mail, we restore the password, as if we forgot it. A link to the mail that you changed comes. We enter our password.
According to statistics, 70 percent of the cases were rerolls and 30 percent were primaris.
Once you have created an American iCloud, download your bank's application (from any IP).
Add a card, there shouldn't be any difficulties.
We have reached this stage:
A real buyer will put together a basket and go buy everything together. And there are plenty of such examples.
On average, you have 5-6 transactions to work the card. After that, it dies.
Why? Because the chances are much higher that an American will go on a trip to Europe than to your "Backwater" with a population of 5 thousand heads.
On average, $300 per transaction is the golden mean.
After the 1st and 2nd transactions, you need to go to your email and confirm that I am a CH.
Therefore, you need to monitor your email after each transaction. After such a message arrives in your email, know that the CH either already knows that someone has decided to buy at his expense, or will find out very soon. Usually, I received such a message for the 4th or 5th transaction and I had another 20-30 minutes to buy everything I needed. It is especially fun when you run to the store, knowing that the card is about to die and urgently ask for some product to be quickly processed and paid for.
DOB and SSN - $4.
Card - $15-25
Caller - $5 (if the enroll is not primary)
Why do we need to do this?
What does it mean?
This means that you can continue to use the card, but the purchase limit is $15 (this limit varies from bank to bank).
If you got a Primary roll and you were given a limit, in this case, you can use the card as your own for months (though with a limit).
If the restriction was given immediately.
To do this, you need to make 1-3 transactions, a letter will be sent to your email: “Was it you?” Confirm and the restriction is lifted.
The limit is also thrown after 6 transactions.
In 15 percent of cases, the personal account will have an additional service called "chat with the bank." We write to them and say that we want to remove the restriction. They will ask us to take a photo of the last receipts. We take photos of the receipts and send them.
You can also call the bank and ask to remove the restrictions. I describe the most common 3 outcomes of events.
1. In the first one we are asked to accept the SMS. In this case we will do nothing. We can change it in the Personal Account to our phone number, but often because of this the card goes on hold. It is not worth it.
2. In the second case, they ask you to come to the bank. Here it is clear that we will not be able to do anything about it.
3. 10 percent that after calling we will not be asked for anything and the restriction will be lifted.
In case of restriction I just ignore it. Removing restriction = killing the card and spending money.
Answer: No.
We explain why.
Apple itself writes that no one knows your card details. It is not transferred to the store where the purchase is made, nor to Apple itself. All that the store sees is the code that is assigned to your device. As we know from the previous point, it changes. That is, transactions are similar in their anonymity to cryptocurrencies. Made purchases - the card died - changed the code. In the worst case, your payment simply will not go through.
Now let's talk about Google Pay.
1. What phone do we need?
All smartphones running Android 4.4 and above are compatible with Google Pay. In addition, to be able to pay via terminals, your phone must support NFC wireless data transfer technology.
You can find out the operating system version in the device settings by clicking “System” → “About phone”.
To check for NFC support, look for the corresponding item in the settings. If it is there, the smartphone supports NFC. If you do not find this function yourself, check its availability in the device on the manufacturer's website.
How to connect and configure Google Pay.
1. Install the free Google Pay app on your smartphone;
2. Open system settings and enable NFC;
3. Set up a screen lock with a PIN, password, pattern or fingerprint.
Launch Google Pay and follow the program's instructions to connect cards.
As you already understood, the same technology is used as in Apple Pay. The only difference is that the card is attached not in the Wallet application but in its own application.
Samsung Pay.
The application is different in that, unlike Apple Pay, it supports not only NFC payments, but also payments using electromagnetic transmission technology (MST), which allows you to make payments using terminals that support only cards with a magnetic strip.
This tells us that we can pay this way even on old terminals.
How to add a card.
If your smartphone supports this technology, then you have a standard application - Samsung Pay. You need to go to this application to add a card.
Today we will be purchasing from bourgeois cards offline.
What is Apple Pay
With the Apple Pay app, iPhone 6/6+, 6s/6s+, SE, 7/7+, 8/8+, X, XS/XS Max/XR, and Apple Watch users can pay for purchases using NFC (near field communication) technology in combination with the Wallet app.Apple Pay does not share original bank card details with the merchant, but instead uses a "dynamic security code" in transactions.
The main feature and advantage of this topic is offline purchase. This is the same as if you go and pay with your personal card in a store, but there are some nuances that will be described in this article.
What do we need for Apple Pay?
1. Valid Card, I think everything is clear here;2. A phone with NFC function. This is any iPhone phone starting from the 6th series and above;
3. Dialer, lookuper SSN and DOB;
4. A store with a POS terminal that supports NFC (These POS terminals are everywhere now, unless you live in a village)
At the POS or at the store itself (if it is a shopping center) there will be a picture like this.
Or just ask at the checkout, “Can I pay with contactless payment?” (Apple Pay in our case).
We buy cards
Which cards are suitable for us?Any cards that support Apple Pay.
You need to choose those banks that are enrolled by lookup through the SSN and DOB.
There are a lot of such banks in USA, choose the bank that you like.
When purchasing, choose the card that has information about the CH's email and phone number.
Enroll the card
We lookup the SSN, DOB.We go to the bank's website from the dedicated server (RDP) / Linken Sphere. First, we look for US tunnels/socks, the state is not important, the main thing is that it is clean.
There will be 2 paths of development here.
- You've come across a primari enroll.
In this case, we simply register the card using our data.
- You've come across a reroll.
We pay the caller (on average it costs 10 bucks), we give him the email that is linked to online banking and his phone number (all this is found out when we start rolling).
We make the mail to which we want to change (it is advisable to choose a neutral mail or similar to the mail of the CH). After changing the mail, we restore the password, as if we forgot it. A link to the mail that you changed comes. We enter our password.
According to statistics, 70 percent of the cases were rerolls and 30 percent were primaris.
Preparing to attach a card to Apple Pay
We need a VPN (Nord, for example), American iCloud.Once you have created an American iCloud, download your bank's application (from any IP).
We attach the card
Go to the Wallet application on your iPhone.Add a card, there shouldn't be any difficulties.
We have reached this stage:
- Minimize by pressing the Home button.
- We launch our VPN. We search for any IP of USA.
- After connecting to the US IP, launch the previously downloaded online banking application.
- Enter your login/password for your account. In the case of a primary roll, enter your email and password. In the case of a reroll, enter the email you gave to the caller and your password, which you have restored.
- After we log into online banking, our card is automatically confirmed in the wallet application. Congratulations, we can go shopping.
Let's go shopping
- We make 1 transaction up to $100. We need this for warming up.
- When shopping, you should imitate the actions of a regular buyer as much as possible.
- Always think: "Would I do this if this were my card?"
A real buyer will put together a basket and go buy everything together. And there are plenty of such examples.
- We alternate different amounts. $50, $150, $100, $290, $170. Frequency 15-20 minutes.
On average, you have 5-6 transactions to work the card. After that, it dies.
- The amounts you can make depend heavily on your acquiring bank.
Why? Because the chances are much higher that an American will go on a trip to Europe than to your "Backwater" with a population of 5 thousand heads.
- Also, the amounts depend on your chosen bank and bin.
On average, $300 per transaction is the golden mean.
After the 1st and 2nd transactions, you need to go to your email and confirm that I am a CH.
Therefore, you need to monitor your email after each transaction. After such a message arrives in your email, know that the CH either already knows that someone has decided to buy at his expense, or will find out very soon. Usually, I received such a message for the 4th or 5th transaction and I had another 20-30 minutes to buy everything I needed. It is especially fun when you run to the store, knowing that the card is about to die and urgently ask for some product to be quickly processed and paid for.
Price
Lookup the mail and phone - $3. (Or it will be already upon purchase).DOB and SSN - $4.
Card - $15-25
Caller - $5 (if the enroll is not primary)
After working on the card
- After each card processing, we flash it through recovery mode.
Why do we need to do this?
- Apple Pay gives your device an identification code, which apparently goes black when the card dies.
Restrictions
It happens that after some actions a restriction is thrown on your card.What does it mean?
This means that you can continue to use the card, but the purchase limit is $15 (this limit varies from bank to bank).
If you got a Primary roll and you were given a limit, in this case, you can use the card as your own for months (though with a limit).
If the restriction was given immediately.
To do this, you need to make 1-3 transactions, a letter will be sent to your email: “Was it you?” Confirm and the restriction is lifted.
The limit is also thrown after 6 transactions.
In 15 percent of cases, the personal account will have an additional service called "chat with the bank." We write to them and say that we want to remove the restriction. They will ask us to take a photo of the last receipts. We take photos of the receipts and send them.
You can also call the bank and ask to remove the restrictions. I describe the most common 3 outcomes of events.
1. In the first one we are asked to accept the SMS. In this case we will do nothing. We can change it in the Personal Account to our phone number, but often because of this the card goes on hold. It is not worth it.
2. In the second case, they ask you to come to the bank. Here it is clear that we will not be able to do anything about it.
3. 10 percent that after calling we will not be asked for anything and the restriction will be lifted.
In case of restriction I just ignore it. Removing restriction = killing the card and spending money.
Safety
I think many people who read this article have asked the question: “Will they not drag me off to places not so remote?”Answer: No.
We explain why.
Apple itself writes that no one knows your card details. It is not transferred to the store where the purchase is made, nor to Apple itself. All that the store sees is the code that is assigned to your device. As we know from the previous point, it changes. That is, transactions are similar in their anonymity to cryptocurrencies. Made purchases - the card died - changed the code. In the worst case, your payment simply will not go through.
Now let's talk about Google Pay.
1. What phone do we need?
All smartphones running Android 4.4 and above are compatible with Google Pay. In addition, to be able to pay via terminals, your phone must support NFC wireless data transfer technology.
You can find out the operating system version in the device settings by clicking “System” → “About phone”.
To check for NFC support, look for the corresponding item in the settings. If it is there, the smartphone supports NFC. If you do not find this function yourself, check its availability in the device on the manufacturer's website.
How to connect and configure Google Pay.
1. Install the free Google Pay app on your smartphone;
2. Open system settings and enable NFC;
3. Set up a screen lock with a PIN, password, pattern or fingerprint.
Launch Google Pay and follow the program's instructions to connect cards.
As you already understood, the same technology is used as in Apple Pay. The only difference is that the card is attached not in the Wallet application but in its own application.
Samsung Pay.
The application is different in that, unlike Apple Pay, it supports not only NFC payments, but also payments using electromagnetic transmission technology (MST), which allows you to make payments using terminals that support only cards with a magnetic strip.
This tells us that we can pay this way even on old terminals.
How to add a card.
If your smartphone supports this technology, then you have a standard application - Samsung Pay. You need to go to this application to add a card.
