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CC - Credit Card. For the sake of simplicity, debit is also called. What is the difference?
The balance of the debit depends on how much money there really is, there is just a monthly limit in credit cards. Therefore, debits come in better, since the bank doesn't care about them, it's not his money, but money cardholder. In the case of a credit card, by approving the transaction, the bank also approves the loan, which means there are less chances here.
By card levels. Anything above the business will send an SMS when you try to pay. Platinum is the golden mean) No. The same classic is more common, which means there are fewer problems with it and more trust. There is no ideal option, but for the start it is better to take the classic. But there is also a downside:
Сlassic: Most of them are dummies. They are given to just about anyone, sent in envelopes by mail, distributed in stores, to children, grandmothers, orphans, and so on. Of course, you can drive in from them, for example, a fountain pen or gift for $ 10. But personally, I do not recommend transferring your real money to find out if there is a dollar on the card. Although. Our entire industry is roulette.
Gold: Mainly used to drive e-gifts of low price range and liquidity. Also, tickets to parks, movies and all kinds of entertainment. A lot of interesting non-vbv bins or reset according to the ZIP code are based on the "gold". Not bad for a beginner. But, again, the balance is completely unpredictable.
Platinum: Almost the same as gold. The only difference is that the balance sheets are overwhelmingly more interesting, and in some banks a credit line can be opened. It is used in the same place as Gold + inexpensive clothing.
Signature: This type of card, commonly referred to as signa, is a premium card. The visa payment system by default provides the owner of this card with buns of the following types: concierge service, insurance, guarantee for the purchased goods, and so on. There are no bad balances. It is mainly used for clothing carding. Electronics and staff up to 2-3 thousand dollars. Cardholders in the middle age category. On public banks, such as Capital Van, Chase, Wells, and so on, fraud alerts often fall. It's hard to pull it out. It is difficult to get it out. Most banks at this level of the card are stocked up, merchants is not very good. But, with direct hands and the right credit institutions - an excellent weapon.
Business: Everything is clear from the name. Map for "businessmen". Basically, the holder's address = work address. Pick-ups rarely raise packages to a business address. In 90% of cases, a good credit line is opened. I have never seen balances of less than 10,000 own funds (if we take into account the size of the state where the holder is located) + credit line. You can relatively safely beat on large orders. If the holder's own funds are not sufficient for payment, the credit limit is exceeded. Otherwise, everything is the same. A simple map that looks like a bomb in the right hands.
In short, the choice of level depends on the goal.
To determine the card type (VISA, MC, AMEX, MAESTRO), you need to know:
If the card number starts with:
on 3 - American Express
on 4 - VISA
on 5 - MasterCard
on 6 - Maestro / Discover
Visa: An absolutely universal leader. The main account is always in $$$, the payment system is much softer in terms of Verified by Visa. It is suitable for any requests, unless of course the visa is overdue in your merchant.
MasterCard: Very close to a Visa, it is also a universal payment system that any merchant accepts by default, but the main account can be in EUROS! When paying in the United States, a double conversion can be applied, which has some, sometimes fatal, consequences.
Amex: American payment system. She is very picky when entering well-known merchandise, often catches limits and asks for a confirmation code. You should only try it if your shop no longer accepts Visas and Wizards, but they accept this type of card. Either if the merchant is with VBV or MCSC. It is mostly used by Americans as a corporate, business, and travel card. The region lock is very rare. Even if it is, it won't be a problem to remove the call restrictions.
Discover: This type of card is very easy to roll to view the balance, but only in the hands of a professional. It will not be difficult to change the holder's data after the call. It is not accepted by such a large number of merchants, but if it is "eaten" in your shop, I advise you first of all to test your fortune on the example of this PS. The balance sheets are relatively small, most often the holder is Asian, since this type of PS is particularly widespread in China, but not very much in the world. Suitable for any activity, including hotels. Access to the fraud department is just a tap away. Removing restrictions is not a problem.
You also need to remember:
MasterCard and VISA have a 16-digit card number, while American Express has 15 digits.
Security Code (CVV2) MASTERCARD and VISA have three digits, while American Express has four digits.
CC Checkers
Checkers check whether the card is still alive. Their only problem is that they're killing her. How, and where is the logic? Very simple, but the logic is on the side of those who understand why it is better not to use them.
Cards are blocked automatically at the initiative of the anti-fraud agency or upon a call from the bank. Automatic blocking rarely occurs, and it's usually commonplace to not skip a transaction. Here are some cases from the practice of auto-blocking:
- a lot of transactions in a row (although maybe cardholder was so fast)
- too much money in novbv merch
- black ip, ip of the wrong country, and other parameters that relate more to the store's antifraud than to the bank. Unlikely item
And most importantly:
- transactions via merchant that is on the anti-fraud blacklist – expired checker
Checkers work very simply. They try to charge a symbolic amount from the card, such as $ 1. The bank is contacted, and if the card is valid, the money is debited and immediately returned. Here's your attention. Request to the bank. From whom? From a checker whose domain has not changed for 1000 card checks, which were then used for fraud operations. A coincidence? The bank doesn't think.
But all is not lost. There are several ways to check the CC:
Donate – a regular site with a donation, here we set the minimum amount and make the payment. If the donation was successful, the card is valid. On the Internet, they write that they have a weak anti-fraud, from my observations I will say that if you constantly check on the same thing, then just like all other merch, it starts to get cranky. From the pros: you set the amount yourself, and if a transaction took place here, but you don't have it in the store, then 90% of it is the card balance.
Of the minuses: if the donation amount is higher than the amount on the card, then you will throw away the card, thinking that it is not valid, but you just had to wait for the day of the paycheck.
Authorizer (I'll call them that) – services where you can link cards to your account, but not make a purchase. An example of this is PayPal. You can't link a dead card there, but you don't need to pay for goods either. This is the so-called card authorization. It debits the amount, but then returns it after a few hours/days. One of the disadvantages is that you can't set your own amount. Each service has its own amount, at most I met 5 bucks. Their plus amount is returned, which is less pale in the pink theory. And now a huge plus: there are services where the amount of authorization costs $ 0.
According to my observations, such a zero authorization does not appear in the card statement and sms cardholder does not come when the card is checked. In zero authorization, it was revealed that cards that cannot be used to pay on the Internet pass it perfectly, but here you can only keep statistics on bins.
Example: https://www.ufc.tv/secure/subscription?sku=PFIGHTPASSHD
Another way. Break through cardholder data on bg breakdown services (personal information):
truthfinder.com
pipl.com
whitepages.com
Intelius.com
After paying for your subscription, you will get both the BG and the card checked without risk.
Types of merchants
Merchant - a front-end implementation of the payment acceptance engine. An electronic aggregator for processing incoming payments. Intermediary between the store and the bank. Payment pad. Transactional link.
The type of merchant attached to a particular site can be checked at builtwith.com
Here is the list:
VBV | Non VBV | Offline
• VBV •
sagepay.com
ips.com
RBS WordPay
•NO VBV•
authorize.net
yahoo.com
ccnow.com
paypal.com
prostores.com
mercanet.bnpparibas.net
intuitwebsites.com
shopify.com
trust1.com
myebizwebsitepro.com
secure-datahost.com
3dcartstores.com
internetsecure.com
wf-api.com
storesonlinepro.com
ccbill.com
processingnetwork.com
fashionpay.com
secure-server-hosting.com
nochex.com
watcheswall.com
2 visa mc
95epay
beijing
• OFFLINE PROC •
cartserver.com
justaddcommerce.net
secure-nt3.localweb.com
cart32.com
paytrust.net
From friendly merchant can be called magento, shoprunner, authorize.net, stripe and juhu. If we see merch sticks, we turn around, it's an evil lady. If we don't see any merch at all, we experiment and gain knowledge by experience. It happens that some sites do not give out the used merch. Even under torture.
Where to push
In shops or under the bays. If you think this is a small choice, imagine that there are several times more shops in America alone than banks, and more bay offices than uncut dogs. But I do not urge you to limit yourself to the States at all, Europe gives no worse even with the US CC, and at the same time it does not have AVS verification. By the way, I advise you to check the correctness of billing on bg breakdown sites - if it is specified crookedly, it will not pass through the database and will be perceived by the store as invalid. Well, AVS will reject the payment.
It is best to search for shops by clicking on ads or surfing on Facebook / Insta. A separate topic - having driven in gifts, here you will also need a broken shop and + two soaps: one for registration, the other for sending the gift itself to it. You are already familiar with the merch market, so you can start looking for the best sellers right now. No, read the article after all, I didn't try in vain.
You can take an example from this guy
Here's a non-trivial way: you don't tie the card to the stick directly, but rather through payment in the store. It works wherever you can create an inventory item acc without leaving the Yandex. Checkout counter. First, we register in the shop, indicating the soap that we want to make a stick on, and then proceed to payment. It is important that there is the following item:
Choose a card payment, enter all the data in the window that appears, and get a PayPal with the linked card and a couple of successful transactions.
Where else? Yes, even in Amazon's self-registration system. By the way, they are best done from the phone (root rights + a clean sock under the zip or as close as possible, at best with the same provider and subnet mask), you can send it to another spike.
Phone number - Google Voice, an inaccessible number of some long-closed cafe, a real number (rented for a few dollars a month) or the phone number of cardholder with the last digit replaced. It doesn't matter.
In the case of working with a drop-service/stuff buyers, enter the name of the holder in billing and shipping, since both drops and stuff buyer will accept a pack in any name. If you work with a proxy, enter the name from the proxy EVERYWHERE, because if a package with a different name is sent to the proxy, then the account will most likely be blocked.
But that's not all. There is such an unknown land as cryptoexchanges, which on the wave of hype (you can even say on the tsunami of hype) were divorced enough to merge money from the SS directly into the crypt. Brothers and sisters in the blockchain, I want to warn you: all these exchanges, according to KYC (know your customer), require you to pass a hard verification, for which you will need at least a broken fullz and docks. Make friends with artists, creative people, although strange, are very useful in this business.
What a tip: don't grab everything at once, being drawn and quartered in ten different directions is guaranteed not to succeed in any of them.
List of US bank cards (clickable)
02 Refer to card issuer (You need to call the bank to complete the transfer)
03 Invalid merchant (Invalid merchant ID)
04 Pick-up card (The card was rejected by the bank due to fraud)
05 Do not Honor (The transaction was rejected by the bank without explanation)
06 Error. (Unknown error on the bank's side)
07 Pick-up card, special condition (The card was rejected by the bank due to fraud)
12 Invalid transaction card / issuer / acquirer (Merchant does not accept cards of this bank)
13 Invalid amount (The amount exceeded the bank's limit per transaction)
14 Invalid card number (Invalid card number or the card is blocked by the holder or bank)
19 System Error (System error on the merchant side, you need to repeat the transaction)
21 No Action Taken (Prohibited by the bank without any explanation)
34 Suspected Fraud
39 No Credit Account
41 Lost Card, Pickup
42 Special Pickup (Card stolen)
43 Hot Card, Pickup (Card stolen)
51 Not sufficient funds
54 Expired card
55 Incorrect PIN (Invalid PIN)
57 Transaction not allowed on card (Merchant does not accept cards of this bank)
58 Txn Not Allowed On Term (Merchant does not accept this type of operation)
59 Suspected Fraud
61 Exceeds amount limit (The amount exceeds the allowed daily maximum)
62 Restricted card (Card account is frozen)
63 Security violation (Card account frozen)
75 Exceeds PIN Retry (Pin entered maximum number of times)
78 Function Not Available (Card number is not valid or does not exist)
82 CVV Validation Error (Invalid cvv code)
91 Issuer not available
93 Transaction violates law
94 Duplicate Transaction
96 System Error (System error on the merchant side)
The balance of the debit depends on how much money there really is, there is just a monthly limit in credit cards. Therefore, debits come in better, since the bank doesn't care about them, it's not his money, but money cardholder. In the case of a credit card, by approving the transaction, the bank also approves the loan, which means there are less chances here.
By card levels. Anything above the business will send an SMS when you try to pay. Platinum is the golden mean) No. The same classic is more common, which means there are fewer problems with it and more trust. There is no ideal option, but for the start it is better to take the classic. But there is also a downside:
Сlassic: Most of them are dummies. They are given to just about anyone, sent in envelopes by mail, distributed in stores, to children, grandmothers, orphans, and so on. Of course, you can drive in from them, for example, a fountain pen or gift for $ 10. But personally, I do not recommend transferring your real money to find out if there is a dollar on the card. Although. Our entire industry is roulette.
Gold: Mainly used to drive e-gifts of low price range and liquidity. Also, tickets to parks, movies and all kinds of entertainment. A lot of interesting non-vbv bins or reset according to the ZIP code are based on the "gold". Not bad for a beginner. But, again, the balance is completely unpredictable.
Platinum: Almost the same as gold. The only difference is that the balance sheets are overwhelmingly more interesting, and in some banks a credit line can be opened. It is used in the same place as Gold + inexpensive clothing.
Signature: This type of card, commonly referred to as signa, is a premium card. The visa payment system by default provides the owner of this card with buns of the following types: concierge service, insurance, guarantee for the purchased goods, and so on. There are no bad balances. It is mainly used for clothing carding. Electronics and staff up to 2-3 thousand dollars. Cardholders in the middle age category. On public banks, such as Capital Van, Chase, Wells, and so on, fraud alerts often fall. It's hard to pull it out. It is difficult to get it out. Most banks at this level of the card are stocked up, merchants is not very good. But, with direct hands and the right credit institutions - an excellent weapon.
Business: Everything is clear from the name. Map for "businessmen". Basically, the holder's address = work address. Pick-ups rarely raise packages to a business address. In 90% of cases, a good credit line is opened. I have never seen balances of less than 10,000 own funds (if we take into account the size of the state where the holder is located) + credit line. You can relatively safely beat on large orders. If the holder's own funds are not sufficient for payment, the credit limit is exceeded. Otherwise, everything is the same. A simple map that looks like a bomb in the right hands.
In short, the choice of level depends on the goal.
To determine the card type (VISA, MC, AMEX, MAESTRO), you need to know:
If the card number starts with:
on 3 - American Express
on 4 - VISA
on 5 - MasterCard
on 6 - Maestro / Discover
Visa: An absolutely universal leader. The main account is always in $$$, the payment system is much softer in terms of Verified by Visa. It is suitable for any requests, unless of course the visa is overdue in your merchant.
MasterCard: Very close to a Visa, it is also a universal payment system that any merchant accepts by default, but the main account can be in EUROS! When paying in the United States, a double conversion can be applied, which has some, sometimes fatal, consequences.
Amex: American payment system. She is very picky when entering well-known merchandise, often catches limits and asks for a confirmation code. You should only try it if your shop no longer accepts Visas and Wizards, but they accept this type of card. Either if the merchant is with VBV or MCSC. It is mostly used by Americans as a corporate, business, and travel card. The region lock is very rare. Even if it is, it won't be a problem to remove the call restrictions.
Discover: This type of card is very easy to roll to view the balance, but only in the hands of a professional. It will not be difficult to change the holder's data after the call. It is not accepted by such a large number of merchants, but if it is "eaten" in your shop, I advise you first of all to test your fortune on the example of this PS. The balance sheets are relatively small, most often the holder is Asian, since this type of PS is particularly widespread in China, but not very much in the world. Suitable for any activity, including hotels. Access to the fraud department is just a tap away. Removing restrictions is not a problem.
You also need to remember:
MasterCard and VISA have a 16-digit card number, while American Express has 15 digits.
Security Code (CVV2) MASTERCARD and VISA have three digits, while American Express has four digits.
CC Checkers
Checkers check whether the card is still alive. Their only problem is that they're killing her. How, and where is the logic? Very simple, but the logic is on the side of those who understand why it is better not to use them.
Cards are blocked automatically at the initiative of the anti-fraud agency or upon a call from the bank. Automatic blocking rarely occurs, and it's usually commonplace to not skip a transaction. Here are some cases from the practice of auto-blocking:
- a lot of transactions in a row (although maybe cardholder was so fast)
- too much money in novbv merch
- black ip, ip of the wrong country, and other parameters that relate more to the store's antifraud than to the bank. Unlikely item
And most importantly:
- transactions via merchant that is on the anti-fraud blacklist – expired checker
Checkers work very simply. They try to charge a symbolic amount from the card, such as $ 1. The bank is contacted, and if the card is valid, the money is debited and immediately returned. Here's your attention. Request to the bank. From whom? From a checker whose domain has not changed for 1000 card checks, which were then used for fraud operations. A coincidence? The bank doesn't think.
But all is not lost. There are several ways to check the CC:
Donate – a regular site with a donation, here we set the minimum amount and make the payment. If the donation was successful, the card is valid. On the Internet, they write that they have a weak anti-fraud, from my observations I will say that if you constantly check on the same thing, then just like all other merch, it starts to get cranky. From the pros: you set the amount yourself, and if a transaction took place here, but you don't have it in the store, then 90% of it is the card balance.
Of the minuses: if the donation amount is higher than the amount on the card, then you will throw away the card, thinking that it is not valid, but you just had to wait for the day of the paycheck.
Authorizer (I'll call them that) – services where you can link cards to your account, but not make a purchase. An example of this is PayPal. You can't link a dead card there, but you don't need to pay for goods either. This is the so-called card authorization. It debits the amount, but then returns it after a few hours/days. One of the disadvantages is that you can't set your own amount. Each service has its own amount, at most I met 5 bucks. Their plus amount is returned, which is less pale in the pink theory. And now a huge plus: there are services where the amount of authorization costs $ 0.
According to my observations, such a zero authorization does not appear in the card statement and sms cardholder does not come when the card is checked. In zero authorization, it was revealed that cards that cannot be used to pay on the Internet pass it perfectly, but here you can only keep statistics on bins.
Example: https://www.ufc.tv/secure/subscription?sku=PFIGHTPASSHD
Another way. Break through cardholder data on bg breakdown services (personal information):
truthfinder.com
pipl.com
whitepages.com
Intelius.com
After paying for your subscription, you will get both the BG and the card checked without risk.
But remember the rule: first, an attempt to drive in, and only in case of failure - a check. Not the other way around.
Types of merchants
Merchant - a front-end implementation of the payment acceptance engine. An electronic aggregator for processing incoming payments. Intermediary between the store and the bank. Payment pad. Transactional link.
The type of merchant attached to a particular site can be checked at builtwith.com
Here is the list:
VBV | Non VBV | Offline
• VBV •
sagepay.com
ips.com
RBS WordPay
•NO VBV•
authorize.net
yahoo.com
ccnow.com
paypal.com
prostores.com
mercanet.bnpparibas.net
intuitwebsites.com
shopify.com
trust1.com
myebizwebsitepro.com
secure-datahost.com
3dcartstores.com
internetsecure.com
wf-api.com
storesonlinepro.com
ccbill.com
processingnetwork.com
fashionpay.com
secure-server-hosting.com
nochex.com
watcheswall.com
2 visa mc
95epay
beijing
• OFFLINE PROC •
cartserver.com
justaddcommerce.net
secure-nt3.localweb.com
cart32.com
paytrust.net
From friendly merchant can be called magento, shoprunner, authorize.net, stripe and juhu. If we see merch sticks, we turn around, it's an evil lady. If we don't see any merch at all, we experiment and gain knowledge by experience. It happens that some sites do not give out the used merch. Even under torture.
Where to push
In shops or under the bays. If you think this is a small choice, imagine that there are several times more shops in America alone than banks, and more bay offices than uncut dogs. But I do not urge you to limit yourself to the States at all, Europe gives no worse even with the US CC, and at the same time it does not have AVS verification. By the way, I advise you to check the correctness of billing on bg breakdown sites - if it is specified crookedly, it will not pass through the database and will be perceived by the store as invalid. Well, AVS will reject the payment.
It is best to search for shops by clicking on ads or surfing on Facebook / Insta. A separate topic - having driven in gifts, here you will also need a broken shop and + two soaps: one for registration, the other for sending the gift itself to it. You are already familiar with the merch market, so you can start looking for the best sellers right now. No, read the article after all, I didn't try in vain.
You can take an example from this guy
Here's a non-trivial way: you don't tie the card to the stick directly, but rather through payment in the store. It works wherever you can create an inventory item acc without leaving the Yandex. Checkout counter. First, we register in the shop, indicating the soap that we want to make a stick on, and then proceed to payment. It is important that there is the following item:
Choose a card payment, enter all the data in the window that appears, and get a PayPal with the linked card and a couple of successful transactions.
Where else? Yes, even in Amazon's self-registration system. By the way, they are best done from the phone (root rights + a clean sock under the zip or as close as possible, at best with the same provider and subnet mask), you can send it to another spike.
Phone number - Google Voice, an inaccessible number of some long-closed cafe, a real number (rented for a few dollars a month) or the phone number of cardholder with the last digit replaced. It doesn't matter.
In the case of working with a drop-service/stuff buyers, enter the name of the holder in billing and shipping, since both drops and stuff buyer will accept a pack in any name. If you work with a proxy, enter the name from the proxy EVERYWHERE, because if a package with a different name is sent to the proxy, then the account will most likely be blocked.
But that's not all. There is such an unknown land as cryptoexchanges, which on the wave of hype (you can even say on the tsunami of hype) were divorced enough to merge money from the SS directly into the crypt. Brothers and sisters in the blockchain, I want to warn you: all these exchanges, according to KYC (know your customer), require you to pass a hard verification, for which you will need at least a broken fullz and docks. Make friends with artists, creative people, although strange, are very useful in this business.
What a tip: don't grab everything at once, being drawn and quartered in ten different directions is guaranteed not to succeed in any of them.
List of US bank cards (clickable)
Error codes that occur during payment:
01 Refer to card issuer (You need to call the bank to complete the transfer)02 Refer to card issuer (You need to call the bank to complete the transfer)
03 Invalid merchant (Invalid merchant ID)
04 Pick-up card (The card was rejected by the bank due to fraud)
05 Do not Honor (The transaction was rejected by the bank without explanation)
06 Error. (Unknown error on the bank's side)
07 Pick-up card, special condition (The card was rejected by the bank due to fraud)
12 Invalid transaction card / issuer / acquirer (Merchant does not accept cards of this bank)
13 Invalid amount (The amount exceeded the bank's limit per transaction)
14 Invalid card number (Invalid card number or the card is blocked by the holder or bank)
19 System Error (System error on the merchant side, you need to repeat the transaction)
21 No Action Taken (Prohibited by the bank without any explanation)
34 Suspected Fraud
39 No Credit Account
41 Lost Card, Pickup
42 Special Pickup (Card stolen)
43 Hot Card, Pickup (Card stolen)
51 Not sufficient funds
54 Expired card
55 Incorrect PIN (Invalid PIN)
57 Transaction not allowed on card (Merchant does not accept cards of this bank)
58 Txn Not Allowed On Term (Merchant does not accept this type of operation)
59 Suspected Fraud
61 Exceeds amount limit (The amount exceeds the allowed daily maximum)
62 Restricted card (Card account is frozen)
63 Security violation (Card account frozen)
75 Exceeds PIN Retry (Pin entered maximum number of times)
78 Function Not Available (Card number is not valid or does not exist)
82 CVV Validation Error (Invalid cvv code)
91 Issuer not available
93 Transaction violates law
94 Duplicate Transaction
96 System Error (System error on the merchant side)
