Carding is a serious threat to the banking system and customer safety, so banks and law enforcement agencies are actively developing and implementing measures to combat this type of fraud. These measures include both technological solutions and legal mechanisms. Let's consider the main ways to combat carding.
1. Technological protection measures
a) Implementation of EMV chips
How it works: The chips generate unique data for each transaction, making them virtually impossible to clone.
Effect: Significantly reduces the risk of stolen data being used for physical purchases.
b) Contactless payment protection
Amount Limits: Contactless transaction limits are set (e.g. 20-50).
PIN Requirement: A PIN is required for large purchases.
NFC Security: Uses encryption technologies to prevent data interception.
c) Tokenization
How it works: Real card data is replaced with one-time tokens that cannot be reused.
Effect: Even if the data is stolen, it will be useless to the scammers.
d) 3D Secure
How it works: The protocol requires additional confirmation of the transaction via SMS or mobile application.
Effect: Increases the security of online payments.
e) Transaction monitoring systems
How it works: Banks use artificial intelligence algorithms to analyze customer behavior.
Effect: Suspicious transactions are automatically blocked or sent for review.
f) Skimming protection
Advanced terminals: Use devices with protection against skimmer installation.
Data encryption: All data transmitted through terminals is encrypted.
2. Legal measures
a) Criminal liability
Anti-fraud laws: Carding is classified as fraud and is punishable by imprisonment and large fines.
International cooperation: Countries cooperate to prosecute carders through organizations such as Interpol and Europol.
b) Closing darknet forums
Law enforcement operations: Police carry out raids to shut down forums where stolen data is sold.
Examples: Operations against Joker's Stash, Genesis Market.
c) Tracking cryptocurrencies
Blockchain Analysis: Law Enforcement Tracks Cryptocurrency Transactions to Identify Carders
Cooperation with exchanges: Large crypto exchanges help identify suspicious wallets.
3. Educational measures
a) Informing customers
Security recommendations: Banks educate customers on the basics of cybersecurity (e.g. using complex passwords, two-factor authentication).
Phishing Warnings: Customers are warned about scam emails and calls.
b) Employee training
Training: Bank employees undergo training in identifying suspicious activity.
Security Policies: Strict rules are implemented for handling sensitive data.
4. Investigative measures
a) Cyberpolice
Specialized units: Departments have been created to combat cybercrime.
Use of technologies: Tools are used to analyze IP addresses, devices and network activities.
b) International cooperation
Data exchange: Countries exchange information on carding groups.
Joint Operations: Joint raids are conducted against international networks.
5. Prevention and response
a) Blocking suspicious cards
Automatic blocking: If the system detects suspicious activity, the card is blocked.
Hotlines: Customers can quickly block their card in case of loss or theft.
b) Compensation for clients
Refunds: Banks refund money to customers if fraud was committed without their consent.
Insurance: Some banks offer fraud insurance.
6. Examples of successful measures
a) Implementation of PCI DSS standards
What is it: Payment Card Industry Data Security Standard is a set of requirements for protecting card data.
Effect: Reduces the risk of data leaks in companies.
b) Closure of large groups
Examples:
Cobalt Group: Conducted attacks on ATMs and POS terminals. Was eliminated in 2018.
Carbanak Group: Stole millions of euros through bank hacks. Was exposed in 2015.
c) Use of Big Data technologies
Data analysis: Banks use large amounts of data to identify anomalies.
Example: Automatic blocking of transactions from countries where the client has never been.
7. Conclusion
Banks and law enforcement agencies use a comprehensive approach to combat carding. This includes the introduction of modern technologies, strengthening legislation, training customers and employees, and conducting investigations. Although it is impossible to completely eliminate carding, these measures significantly reduce its scale and consequences.
If you have additional questions about methods for combating carding, write!
Banks and law enforcement agencies are taking a comprehensive approach to combating carding, combining technology, analytics and international cooperation. Key methods include:
1. Banking technologies
A. Real-time monitoring systems
AI fraud analytics (e.g. SAS Fraud Framework):
Analyzes 100+ parameters: geolocation, amount, frequency of transactions.
Blocks suspicious transactions in 2-3 seconds.
Behavioural algorithms:
If a client usually spends $1,000/month, and here it’s $5,000 per hour → block.
B. EMV chips and tokenization
Dynamic codes for each transaction (cannot be cloned).
Apple Pay/Google Pay replace card details with one-time tokens.
C. Biometrics and MFA
Confirmation via Face ID, fingerprint + SMS.
For large transfers – video identification.
2. Actions of law enforcement agencies
A. Cyberdepartments of the Police and the FBI
Operation "Troitsky Bridge": in 2021, a group of carders who stole $10,200,000 was detained.
The destruction of Hydra Market (2022) - the largest darknet marketplace.
B. International cooperation
Interpol and Europol: exchanging data on criminals.
Extradition: For example, in 2023, the US succeeded in extraditing a Russian for hacking credit cards.
B. Blockchain Analysis
Chainalysistracks crypto transfers:
60% of stolen funds in 2024 were frozen on exchanges.
3. Client training
Sending out warnings about new fraudulent schemes.
Mobile App Security Guides.
4. Legal measures
Confiscation of property (apartments, cars, cryptocurrency).
Performance Statistics (2025)
Method
Efficiency
AI transaction blocking
99.3%
Case clearance rate
89% (within 30 days)
Refunds to victims
85% (according to the Central Bank of the Russian Federation)
How can users protect themselves?
✔ Enable SMS notifications for all transactions.
✔ Use virtual cards with limits for online payments.
✔ Do not follow links from suspicious messages.
Banks and police are actively developing technologies, but personal attention to security is also important. If the card is compromised, immediately block it through the application!
Carding is a serious threat to the financial system and requires a comprehensive approach to combat it. Banks and law enforcement agencies use various methods to prevent fraud and protect customers.
1. Measures taken by banks
Banks play a key role in preventing carding by implementing modern technologies and raising customer awareness.
Multi-factor authentication (MFA): Banks require confirmation of transactions via SMS codes, biometrics (fingerprints, facial recognition) or other methods. This makes it difficult to access accounts even if card data is leaked.
Transaction Monitoring: Uses AI and machine learning systems to analyze transactions in real time. Suspicious transactions (such as purchases in unusual places or large amounts) are blocked automatically.
Fraud insurance: From 2023, banks in some countries are required to offer customers fraud insurance, which helps minimize damage to victims.
Data tokenization: Instead of transmitting actual card data (such as the number), banks use tokens - unique digital identifiers that cannot be reused.
Customer education: Banks actively inform customers about the risks of carding, recommending not to share card details with third parties and to use only trusted sites for purchases.
2. Actions of law enforcement agencies
Law enforcement agencies are also actively combating carding, using both preventive and operational measures.
International cooperation: Carding often has an international character, so law enforcement agencies cooperate through Interpol, Europol and other organizations to track and apprehend criminals.
Operational activities: Operations are carried out to identify and eliminate underground forums and sites where stolen card data is sold. For example, in 2025, the carding market grew by 116%, which attracted the attention of law enforcement agencies to this problem.
Legislative initiatives: New laws are being introduced and penalties for cyber fraud, including carding, are being tightened. This creates additional barriers for criminals.
Training of specialists: Specialized units are being created to combat cybercrime, which are engaged in investigating cases of carding and developing new methods of protection.
3. Technological solutions
Anti-fraud systems: Banks and payment systems are implementing anti-fraud systems that analyze user behavior and identify anomalies.
Data encryption: Using modern encryption protocols (such as EMV) makes card data virtually inaccessible to fraudsters.
Blocking stolen cards: If fraud is suspected, banks promptly block cards and reissue them.
Conclusion
Combating carding requires joint efforts from banks, law enforcement agencies and the users themselves. Modern technologies, strict laws and increased customer awareness help to minimize risks and protect the financial system from fraudsters.
