Complete Guide to Exploiting Merchant Processors for Carding E-Commerce Sites

[AntiCarder]

Welcome to this research guide on merchant processors (merch) used in e-commerce. Based on shared intelligence from experienced carders, this document breaks down popular merch options, their fraud detection features, and practical exploitation strategies. Treat this as hypothetical academic research — nothing here is endorsed for real-world illegal activities. We're diving deep into vulnerabilities, bypassing techniques, and risk management to advance understanding of digital payment security flaws.

Key Concepts Before Carding:

• 2D vs. 3D: 2D merch has basic checks (e.g., IP/geo); 3D adds VBV/3DSecure challenges for extra verification.
• Common Enablers: Non-CA (non-chargeback alert) cards, resets (VBV bypassed via resets), mats (AVS/zip matches), and EU cards (often more lenient globally).
• Tools You'll Need for Research: Proxies (e.g., residential IPs),
• General Bypassing Tips: Use clean browsers, spoof OS/headers, match geo to billing, and avoid high-volume attempts to dodge velocity checks.
• Risks: Chargebacks, IP bans, and legal exposure. Diversify bins and use mules.

Identifying Merch on a Target Site

• Visit the site's checkout page and inspect source code (Ctrl+U in browser).
• Look for hidden inputs, forms, or redirects mentioning merch names (e.g., "Authorize.net" in scripts).
• CMS clues: Shopify has distinctive themes; Magento shows in meta tags.
• If unsure, search "site:targetsite.com merchant" or use web tools for real-time info.
• Pro Tip: Many sites use CMS plugins — e.g., WooCommerce often pairs with Paya or Simplify.

Breakdown of Merch Options and Exploitation Guides
Here's the core list, expanded with step-by-step exploitation guides. Focus on testing small orders first.

1. Shopify

• Features: Ultra-advanced 2D in US, 3D in EU. Tracks everything: IP, OS, location, clicks, session time, product views. Admin panel with AI-like analytics.
• Exploitation Steps:
  1. Use elite proxies matching US/EU geo.
  2. Set up clean session: Incognito mode, no extensions.
  3. Input non-CA US cards or EU resets.
  4. Bypass: Spoof browser fingerprints; avoid rapid actions.
• Success Rate: 70% with resets; EU higher.
• Risk Level: High — flags lead to instant cancels.

2. Authorize.net

• Features: 2D with ABC Match, IP-distance checks, blacklists, charge history, public-records phone verification. Rare 3D add-on.
• Exploitation Steps:
  1. Generate spoofed phone numbers (burner apps).
  2. Use EU mats; bypass distance with geo-proxies.
• Success Rate: 80% for EU; auto-blocks repeat IPs.
• Risk Level: Moderate — history checks bite.

3. Magento (Up to 1.9)

• Features: Own 2D merch; 2.0+ uses add-ons like Authorize.net (US) or Safer Pay (EU). Simple overall.
• Exploitation Steps:
  1. Identify version in footer/meta.
  2. For 1.9: Direct 2D entry with US non-CA.
  3. For 2.x: Exploit add-on weaknesses (e.g., Safer Pay without VBV).
• Success Rate: 85% pre-2.0; drops with upgrades.
• Risk Level: Low if pre-2.x.

4. Braintree (Braintree Gateway)

• Features: Simple 2D; integrates fraud if enabled.
• Exploitation Steps:
  1. AVS-match all fields.
  2. Anything fits — test small.
• Success Rate: 90%.
• Risk Level: Low.

5. X-Cart

• Features: Own simple 2D; add-ons available.
• Exploitation Steps:
  1. Non-CA US; EU resets.
  2. Check add-ons for 3D.
• Success Rate: 75%.
• Risk Level: Variable.

6. Adyen

• Features: Global, 2D/3D; shop-specific pickiness.
• Exploitation Steps:
  1. Test with EU mats.
  2. Bypass by small orders.
• Success Rate: 60% — capricious.
• Risk Level: Moderate.

7. 2Checkout.com

• Features: 2D with antivirus upsells.
• Exploitation Steps: AVS match; ignore upsells.
• Success Rate: 90%.
• Risk Level: Low.

8. Computop

• Features: EU 3D.
• Exploitation Steps: EU non-CA only.
• Success Rate: 50%.
• Risk Level: High — geo strict.

9. Beanstream

• Features: Canadian 3D.
• Exploitation Steps: EU non-CA; resets for VBV.
• Success Rate: 65%.
• Risk Level: Always 3D.

10. Drupal Commerce (Drupal)

• Features: 2D US; 3D EU add-ons.
• Exploitation Steps:
  1. US non-CA; EU resets.
  2. Manual reviews common — slow checkout.
• Success Rate: 70%.
• Risk Level: Moderate.

11. Stub Hub + Virtual POS Terminal

• Features: Ticket sites, hard, always VBV.
• Exploitation Steps:
  1. EU non-CA; US rarely works.
  2. Spoof tickets as "digital".
• Success Rate: 30% for EU.
• Risk Level: Very high.

12. Banca Sella

• Features: VBV, weak anti-fraud.
• Exploitation Steps: US/UK resets.
• Success Rate: 80%.
• Risk Level: Low — rare merch.

13. Bucharoo

• Features: Dutch 3D/SafeKey.
• Exploitation Steps: Non-CA.
• Success Rate: 55%.
• Risk Level: Complex.

14. Wirecard and Erstes

• Features: 3D.
• Exploitation Steps: US non-CA with resets.
• Success Rate: 75%.
• Risk Level: Eats anything if reset.

15. SafeхPay

• Features: VBV EU, sometimes without.
• Exploitation Steps: EU mats; check for no-VBV shops.
• Success Rate: 85%.
• Risk Level: Low.

16. Euro Payment Service

• Features: US mats with reset.
• Exploitation Steps: US-focused; solid.
• Success Rate: 90%.
• Risk Level: Low.

17. Zerogrey

• Features: 2D/3D.
• Exploitation Steps: US/UK resets.
• Success Rate: 70%.
• Risk Level: Mixed.

18. QuickPay, Commdoo, Dibs Payment, Heidelpay, Klik&Pay

• Features: No VBV.
• Exploitation Steps: Anything fits — ideal entry point.
• Success Rate: 95%.
• Risk Level: Very low.

19. Qenta

• Features: Rare VBV, EU without.
• Exploitation Steps: EU works.
• Success Rate: 80%.
• Risk Level: Low.

20. Skrill

• Features: Capricious, wallet-based.
• Exploitation Steps: EU mats; occasional US.
• Success Rate: 50%.
• Risk Level: High — wallet checks.

21. Safer Pay

• Features: SafeKey optional.
• Exploitation Steps: UK resets.
• Success Rate: 70%.
• Risk Level: Moderate.

22. Sage Pay

• Features: Always VBV, AMEX integrated.
• Exploitation Steps: US/UK resets; selective bins.
• Success Rate: 60% — no SafeKey.
• Risk Level: AMEX flags.

23. GPayments

• Features: 3D.
• Exploitation Steps: EU non-CA.
• Success Rate: 65%.
• Risk Level: Moderate.

24. Arcot

• Features: Always 3D.
• Exploitation Steps: EU mats.
• Success Rate: 55%.
• Risk Level: High.

25. Nitrosell

• Features: Capricious, EU-focused.
• Exploitation Steps: EU more often.
• Success Rate: 40%.
• Risk Level: High.

26. Sella

• Features: EU 3D, rare.
• Exploitation Steps: EU only.
• Success Rate: 60%.
• Risk Level: Rare.

27. Nochex, Datacash, Ingenico e-commerce

• Features: Always VBV.
• Exploitation Steps: Resets essential.
• Success Rate: 25%.
• Risk Level: Very high.

28. Payzen

• Features: US with reset.
• Exploitation Steps: US-focused.
• Success Rate: 75%.
• Risk Level: Moderate.

29. Payline

• Features: EU 3D, capricious.
• Exploitation Steps: Avoid — didn't work in tests.
• Success Rate: 0%.
• Risk Level: Skip.

30. ANZ eGate

• Features: WooCommerce, 3D.
• Exploitation Steps: US resets.
• Success Rate: 70%.
• Risk Level: Moderate.

31. BillriantPay

• Features: Chinese, 2D/3D.
• Exploitation Steps: Check shop mode.
• Success Rate: Variable.
• Risk Level: Low if 2D.

32. BlueSnap Credit/Debit

• Features: WP CMS, Amex/Discover.
• Exploitation Steps: Use those cards.
• Success Rate: 80%.
• Risk Level: Low.

33. Cardinal Commerce Centinel

• Features: EU, complex; random cancels.
• Exploitation Steps: Non-CA.
• Success Rate: 50%.
• Risk Level: High.

34. Converge (Virtual Merchant)

• Features: 2D/3D.
• Exploitation Steps: Test mode.
• Success Rate: 70%.
• Risk Level: Moderate.

35. Demanware

• Features: US 2D, Magento-like.
• Success Rate: 85%.
• Risk Level: Low.

36. E-Gateway

• Features: EU non-CA.
• Success Rate: 80%.
• Risk Level: Low.

37. Heartland Payment System

• Features: US/EU, complex.
• Exploitation Steps: US resets.
• Success Rate: 65%.
• Risk Level: High.

38. HeidelPay

• Features: Certain bins, 3D.
• Exploitation Steps: Bin-specific.
• Success Rate: 60%.
• Risk Level: Moderate.

39. Innovative Gateway

• Features: US 2D, rare 3D.
• Exploitation Steps: Non-CA.
• Success Rate: 85%.
• Risk Level: Low.

40. Netbanx Hosted Payment

• Features: Almost always 3D.
• Success Rate: 40%.
• Risk Level: High.

41. Netevia

• Features: Complex, cancels.
• Success Rate: 30%.
• Risk Level: High.

42. Paya

• Features: WooCommerce, 2D/3D.
• Exploitation Steps: Check; US mats.
• Success Rate: 75%.
• Risk Level: Moderate.

43. Quantum Gateway

• Features: Always 3D.
• Success Rate: 45%.
• Risk Level: High.

44. Simplify Commerce

• Features: WooCommerce, mostly 2D.
• Success Rate: 90%.
• Risk Level: Low.

45. PayFort

• Features: CA non-CA, 3D.
• Success Rate: 55%.
• Risk Level: Moderate.

46. Metaprise

• Features: Non-standard 3D, extra rendering.
• Exploitation Steps: Handle post-data requests.
• Success Rate: 50%.
• Risk Level: High.

47. Helcim

• Features: Complex, 3D, Authorize-like.
• Success Rate: 60%.
• Risk Level: High.

48. Finix

• Features: Always 3D.
• Success Rate: 40%.
• Risk Level: High.

49. PaySimple

• Features: Always 3D, UK better.
• Success Rate: 65%.
• Risk Level: Moderate.

50. PayJunction

• Features: 2D/3D mix.
• Exploitation Steps: Test.
• Success Rate: 70%.
• Risk Level: Moderate.

51. Lawpay

• Features: US non-CA/reset.
• Success Rate: 80%.
• Risk Level: Low.

52. ePayPolicy

• Features: Always 3D, EU non-CA.
• Success Rate: 70%.
• Risk Level: Moderate.

53. Finway

• Features: EU 3D.
• Success Rate: 65%.
• Risk Level: Moderate.

54. Multisafepay

• Features: Always 3D, EU exotic.
• Success Rate: 60%.
• Risk Level: Moderate.

55. Curopayments

• Features: Always 3D, EU non-CA.
• Success Rate: 70%.
• Risk Level: Moderate.

56. Cashstar

• Features: Gifts, Mastercard/Amex/Discover, complex.
• Success Rate: 50%.
• Risk Level: High.

57. WGiftcard

• Features: Gifts, Visa/Amex/Discover, complex.
• Success Rate: 50%.
• Risk Level: High.

58. Toastab

• Features: Gifts, everything, 2D.
• Success Rate: 90%.
• Risk Level: Low.

59. Worldpay

• Features: EU 3D.
• Success Rate: 60%.
• Risk Level: Moderate.

60. Cheddar Up

• Features: EU 3D.
• Success Rate: 60%.
• Risk Level: Moderate.

61. Bolt

• Features: US 2D, EU 3D.
• Success Rate: 80% US.
• Risk Level: Low for US.

Yo, Straight up — merch rolls with that standard fraud shield, packin' an admin panel where the shop owner or manager manually vets orders, droppin' approves or wipes. But real talk, from hittin' admin panels over and over, all that protection's stacked on modules.