Carder, a fraudster who steals money from bank cards, anonymously told The Village about how he stole the first 300 thousand, how credit card owners themselves help his business and how to protect the money on them from theft.
With card cloning, everything is somewhat more complicated. To do this, we need to install a skimmer on the ATM in the card reader; it reads dumps - information from the magnetic stripe of a bank card. Information from the skimmer goes directly to the phone via Bluetooth. That is, someone swipes a card, and you stand ten meters away and receive all the information about it directly on your mobile phone.
Then specialists make a map using this data. Some ATMs have jitters - devices that cause the card to vibrate when inserted into the card reader. When the card shakes, the skimmer cannot properly read data from its magnetic stripe. Accordingly, the duplicate will be of poor quality, and it will not be possible to cash out. But even a perfect copy of the card is useless without a PIN code. So, in many ways, we are helped by the cardholders themselves, who do not cover the keyboard with their palm when typing a PIN code.
Sometimes the ATM is equipped with so-called wings that hide the keyboard. If the ATM has such wings, then no matter where our hidden camera is, it will not be able to spy on the PIN code. In this case, the day before installing the equipment, we tear off the wings, sand them, and then attach them back. Only now they are of no use - just two useless skis. For this job we usually hire a person from the street who is in dire need of money. We tell him that we are from the bank’s security service and in this way we are checking the reliability of the ATM.
My team and I glued the first skimmer on the third try. Everything looked terrible, but it held up. During the day, eight people passed through our ATM. We were so worried that after each client we went to check the equipment. As a result, we gained 300 thousand rubles.
There are unplanned situations: for example, one day the panel with the camera fell off. She was lying in front of the ATM, but for some reason this did not bother his clients: they calmly withdrew money.
Or somehow the installer installed the skimmer poorly, and when the first client, a middle-aged lady, used the ATM, her card simply got stuck. The installer was not at a loss and volunteered to help the woman. She even thanked him later, which did not stop him from trying to cash out her money.
By the way, even if you are caught by such guards, most often you can pay yourself off. The asking price is from ten thousand to one million rubles. But we were still inexperienced.
You never know whether the ATM is being monitored or not, or what kind of security system it has. There are several ways to find out. The simplest of them is to attach a notice to the ATM that it does not work, or to hang a wristwatch on the card reader.
If nothing happens for five to six hours, then you can come and install our equipment. Another thing is that no one will take risks for the sake of two or three clients. So while we're watching an ATM, we're assessing not only its security, but also its popularity: how many people are passing through it and when the peak hours are. Our attention can definitely be attracted by ATMs, next to which there is a queue.
Yes, on the Internet you can order a prostitute, find a casino, and discuss all the intricacies of stealing money from bank cards. There are forums that are completely open, and there are those that have a complex registration system and entry fee. The police, apparently, are not interested in either one or the other.
Everything is built on trust: everyone gets from 15 to 20 percent from the card, no one deceives anyone. If you work with strangers, on the same closed forums there is a “Guarantor” service - the administrator of the Carder forum is responsible for it.
The scheme is something like this: to order a skimmer, I transfer money to Garant, after which the forum administrator informs the second participant in the transaction, who will produce these skimmers for me, that the money is in the account and the equipment can be sent. As soon as I check it, I understand that everything is working, the soldering specialist receives money from this guarantee account.
The situation is the same with cashiers: before you send them a lot of cards, you demand that they deposit, for example, ten thousand dollars into Garant. If everything is in order, cashiers get their money back and interest on cashed credit cards. Although, of course, you can’t control the cashier’s work in any way; he can keep more for himself than he should, and tell you that there wasn’t much money on the cards. But in fact, people sitting on card forums value their reputation; they are quite happy with 20 percent from the card.
By the way, some bankers themselves are not against participating in our schemes; I was once connected with a person who agreed to install skimming equipment on his ATMs - there were about a hundred of them. But our cooperation did not last long: the owner of the bank had problems and he went abroad.
(c) https://xn--e1afpuhk.com/kak-vsyo-ustroeno-karder/
Who does skimming?
There are about 10-15 serious groups operating in the capital, I don’t know anyone, but I don’t think they are frostbitten bandits or gopniks. Although, perhaps I'm just judging by myself. In any case, we are an intellectual business, so carding is more likely to be done by people with an engineering education or programmers - in general, the technical intelligentsia. However, sometimes the police detain migrant installers - I think that in such cases there is still a trace of a gangster: no one in their right mind would entrust equipment to some Moldovans. Personally, I saw how Tajiks at a gas station spent 20 minutes trying to remove the skimmer from an ATM, and then cash out cards through it. Those guys were lucky, they got into their shabby white “A” and drove off. But I think that with their caution, sooner or later they will end up in the criminal chronicle.How to help a scammer
All we need to do is find out the PIN code of the credit card and make a duplicate of it. In order to find out the PIN code, you need to install a hidden camera. It is not easy to notice: it is built into a panel disguised as one of the parts of the ATM.With card cloning, everything is somewhat more complicated. To do this, we need to install a skimmer on the ATM in the card reader; it reads dumps - information from the magnetic stripe of a bank card. Information from the skimmer goes directly to the phone via Bluetooth. That is, someone swipes a card, and you stand ten meters away and receive all the information about it directly on your mobile phone.
Then specialists make a map using this data. Some ATMs have jitters - devices that cause the card to vibrate when inserted into the card reader. When the card shakes, the skimmer cannot properly read data from its magnetic stripe. Accordingly, the duplicate will be of poor quality, and it will not be possible to cash out. But even a perfect copy of the card is useless without a PIN code. So, in many ways, we are helped by the cardholders themselves, who do not cover the keyboard with their palm when typing a PIN code.
About theft technique
Installing the skimmer and camera takes from ten seconds to several minutes. In general, the work of the installers does not raise suspicions: many people spend 20 minutes at the ATM, and nothing happens. From a technical point of view, installing a skimmer and camera is not the most difficult thing.Sometimes the ATM is equipped with so-called wings that hide the keyboard. If the ATM has such wings, then no matter where our hidden camera is, it will not be able to spy on the PIN code. In this case, the day before installing the equipment, we tear off the wings, sand them, and then attach them back. Only now they are of no use - just two useless skis. For this job we usually hire a person from the street who is in dire need of money. We tell him that we are from the bank’s security service and in this way we are checking the reliability of the ATM.
My team and I glued the first skimmer on the third try. Everything looked terrible, but it held up. During the day, eight people passed through our ATM. We were so worried that after each client we went to check the equipment. As a result, we gained 300 thousand rubles.
There are unplanned situations: for example, one day the panel with the camera fell off. She was lying in front of the ATM, but for some reason this did not bother his clients: they calmly withdrew money.
Or somehow the installer installed the skimmer poorly, and when the first client, a middle-aged lady, used the ATM, her card simply got stuck. The installer was not at a loss and volunteered to help the woman. She even thanked him later, which did not stop him from trying to cash out her money.
About Chopovites
One day we were almost caught by the security forces. This was the case with the ATM that had wings on it. We cut them off and went to a car service to polish them. Half an hour later we arrive to put it back, we’ve just taped it up when guys in helmets and with batons approach the ATM. It turned out that the anti-vandal system at the ATM had worked, and we missed each other by literally a minute. The guards did not find anything: they saw the ATM without damage and left.By the way, even if you are caught by such guards, most often you can pay yourself off. The asking price is from ten thousand to one million rubles. But we were still inexperienced.
You never know whether the ATM is being monitored or not, or what kind of security system it has. There are several ways to find out. The simplest of them is to attach a notice to the ATM that it does not work, or to hang a wristwatch on the card reader.
If nothing happens for five to six hours, then you can come and install our equipment. Another thing is that no one will take risks for the sake of two or three clients. So while we're watching an ATM, we're assessing not only its security, but also its popularity: how many people are passing through it and when the peak hours are. Our attention can definitely be attracted by ATMs, next to which there is a queue.
About the gang
Our team consists of several people: two equipment installers, a driver, several cashiers - those who cash out money. Some of these guys are my close friends, some I found on the forum. On carding forums I found a soldering specialist who makes skimmers, and a decryptor who decodes audio dumps. I coordinate the actions of the entire team: I pick up the equipment, transfer audio dumps to the transcriber, all cash flows are also my responsibility.Yes, on the Internet you can order a prostitute, find a casino, and discuss all the intricacies of stealing money from bank cards. There are forums that are completely open, and there are those that have a complex registration system and entry fee. The police, apparently, are not interested in either one or the other.
Everything is built on trust: everyone gets from 15 to 20 percent from the card, no one deceives anyone. If you work with strangers, on the same closed forums there is a “Guarantor” service - the administrator of the Carder forum is responsible for it.
The scheme is something like this: to order a skimmer, I transfer money to Garant, after which the forum administrator informs the second participant in the transaction, who will produce these skimmers for me, that the money is in the account and the equipment can be sent. As soon as I check it, I understand that everything is working, the soldering specialist receives money from this guarantee account.
The situation is the same with cashiers: before you send them a lot of cards, you demand that they deposit, for example, ten thousand dollars into Garant. If everything is in order, cashiers get their money back and interest on cashed credit cards. Although, of course, you can’t control the cashier’s work in any way; he can keep more for himself than he should, and tell you that there wasn’t much money on the cards. But in fact, people sitting on card forums value their reputation; they are quite happy with 20 percent from the card.
About banks and bankers
Banks, as a rule, do not return stolen money to the client: this is the essence of the agreement that the cardholder enters into with the credit institution. The agreement states that if a card transaction is made using a PIN code, then the transaction is considered to have been completed by the card holder. As far as I know, going to court will not help. You need to prove that the money was withdrawn from the card by a fraudster, and not by your relative or friend. This is difficult to do even if you were in Russia and cashed out the money in Asia.By the way, some bankers themselves are not against participating in our schemes; I was once connected with a person who agreed to install skimming equipment on his ATMs - there were about a hundred of them. But our cooperation did not last long: the owner of the bank had problems and he went abroad.
(c) https://xn--e1afpuhk.com/kak-vsyo-ustroeno-karder/
