Carding 4 Carders
Professional
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First, we will need to master the theoretical framework. Let's make a reservation right away - you can't know all the laws of the world and all the rules of payment systems - if you want, you can devote half your life to this branch of knowledge after a good higher education at the legal faculty, but there are still some basic truths.
Here they are:
Point
And how to raise money? And very, very simple. And a lot of people raise it. The fact is that there are two immutable truths, based on the above. Firstly , you can always challenge any Visa/MasterCard/MIR transaction, and secondly, since the Bank initially hides what its client actually does, he will always lose the dispute under all circumstances.
For any transaction within 120 days (this is important!) from the transaction, the cardholder can object to the payment according to the Visa/MasterCard rules. Such a challenge is called a chargeback. At one time, citizens in the United States were very sickly enriched with this method until the 7995 and regulation codes were introduced. Banks hate to apply for chargebacks ,but they can't help it either - the rules of payment systems are as unquestionable as the law.
When applying for chargeback, you indicate the reason - if the reason is "the card is not mine", the reader will send you reasonably faraway, because SMS verification (also called 3d-secure in banking) confirms that you are the payer. If you write that the service is not provided (there is a formulation) in independence from anything, even war and pandemics, you'll get your money back, no matter how much you lose and how - for a simple reason: the issuing bank sends the transaction to Visa/MasterCard and then requested position aquaria, and here at aquaria comes the excuse is the place, where the sun doesn't shine at all, because it doesn't matter what it says for a service, even a pool, even e-money, even transfers-from your explanation it follows that you played in a casino (Forex, binary, etc.).
The acquirer simply doesn't have anything to answer for - they can't confirm the provision of the service, and they generally have another service issued for the outlet. And it doesn't matter if the outlet has long since disappeared - the bank itself responds with a minted coin. Therefore, unscrupulous people (not at all like you, the reader) lose-they win more than say 4 months in a row, and then go to the bank and forcibly withdraw all the money that they paid in the online casino. Up to a penny. This is exactly how the entire industry in the United States almost closed down at first. And it still works perfectly! Verified. The amount doesn't matter. You can practice on pennies.
IMPORTANT: All this will not work for bookmakers in TSUPIS, Forex brokers with a license from the bank. They pay taxes, are registered correctly with acquiring banks, and will simply respond to you that the service has been provided. These, however, make up 0.5% of the total market. Maybe less.
The only negative side of this story is the duration of chargeback. This process takes from two weeks to 3 months, although it is definitely worth it.
And today we will tell you something, reader, that those who knew about the method described above did not know yet.
How to speed up the rise of money
The thing is that there are three key points: everything described above is certainly well known to the acquiring banks themselves, where they serve criminals, and besides, the bank (often unlike a stupid illegal online casino) also knows one more truth - the longer you flounder, the more painful it will get. In other words, it is better not to wait until Visa, Mastercard come with questions - the answers are expensive, only Visa & Mastercard have $ 25,000 for each detected site. The bank (may the state forgive us for subtle hints) are much more expensive. And finally, third, any retail outlet can make a voluntary refund at the request of the bank. Taken together, this means that the acquirer bank always immediately forces the merchant to return money for complaints as soon as possible at any "sneeze".
Therefore, if you know the acquiring bank of an illegal online casino and the terminal number, then your refund becomes almost instant and it is done like this:
1. you apply for chargeback at your issuing bank. (It's better to do this anyway). Specify the reason - the service was not rendered.
2. You write to bank (there is a complaint form on the website): I am citizen Vasya Pupkin. I played here on this online casino site_____ and lost my funds in such a volume______ by bank card number___________. From the mass media (telegram channel "typical mammoth" for example) I learned that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer _______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law. I ask You to conduct an audit in this regard in relation to the bank_______, as well as assist in returning me the funds I spent.
3. You write an application (available online) to the Ministry of internal Affairs at the address of your registration approximately the same text, adding where you were physically located (this is a crime scene by law): I am a citizen Vasya Pupkin. Being at the address ____ from my personal computer computer I played here on this site of the online casino_____ and lost my funds in such a volume____ on a bank card with the number___________. From the mass media (and here we do not specify the telegram channel "typical mammoth"). I learned that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through Russian banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
4. You write the same (well, almost) application (the form must be on the site somewhere): I am citizen Vasya Pupkin. Being at the address ____ from my personal computer I played here on this site of the online casino_____ and lost my funds in such a volume ____ on a bank card with the number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank cards through the terminal ____ through the bank acquirer_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law, acting, among other things, obviously contrary to law. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
5. You write exactly the same letter to the Federal tax service. It is the Federal tax service that oversees restrictions on online casinos and similar illegal markets: I am a citizen Vasya Pupkin. Being at the address _____from my personal computer computer I played here on this site of the online casino_____ and lost my funds in such a volume____ on a bank card with the number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by Bank cards through the terminal_______ through the acquirer Bank_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities in the Russian Federation, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law, please limit the possibility of accepting payments for this online casino and conduct a review on this issue. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
6. The same thing you write to any of the email addresses that will find Visa & Mastercard, but in English: My name is Vasiliy Pupkin, I live in Russia and paid _____dollars for bets in the online casino at URL ____________ with my bank card __________. Based on my media research it occurred to me that the above mentioned online-casino (forex, binary options) is accepting bank card payments using registered terminal ID________ of bank acquiring _______. After careful examination of our local legislation I have realized that since I have not passed formal personal identification as the local law requires this casino is illegal and unlicensed and therefore violated my cardholder rights and obviously violates card corporation rules & bylaws as well. Based on this I demand your corporation to investigate this matter urgently and assist me in refunding my transactions. I have filed a chargeback request with my issuing bank.
7. After sending all these wonderful letters (and preferably keeping the electronic receipt marks), you write a short message to Acquiring Bank (to any and all emails from the Bank's website): I am citizen Vasya Pupkin. I played here on this online casino site_____ and lost my funds in such a volume______ by bank card number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer_______, that is, YOUR organization. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities in the Russian Federation, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I sent requests and applications (a copy is attached) to Visa & Mastercard, and of course left a chargeback application with my issuing Bank. I ask you, in accordance with the rules of payment systems (good faith), to immediately make a refund for all transactions on my Bank card to the specified online casino. I am forced to inform You that your Bank's response to my letter may be attached to further interaction between me as a citizen and the regulators to whom I applied, as well as law enforcement agencies. Thank you in advance for your assistance!
As you understand, you don't have to lose money at all, just withdraw it to other banking details.
Here they are:
- Can a bank acquirer serve a foreign legal entity and pay funds to that legal entity abroad? Answer: no, it can't. First of all, this is prohibited by the Visa/Mastercard rules - this is called cross-boarding, and only commercial enterprises from their own region are allowed to accept services. The Visa/MC rules are part of the law on the Payment System, so failure to comply with them is a violation of Federal law. Secondly, in order to open a bank account for a non-resident company, if there is one, the bank must make sure that the non-resident is registered with the Federal tax service (garbage companies obviously do not stand there). This, in turn, is indicated by the tax legislation. We don't even take into account another 100,500 instructions from the bank (although we should have).
- The bank acquirer can accept payments for online casinos and bookmakers (not included in the MCC system), Forex brokers (without a license), binary options through e-wallet companies that are not real electronic money? Do not bother with the question "what are the real ones", as you know, they do not beat on the passport and the answer is - no can not. First, there is the concept of MCC code (Merchant Category Code), which is assigned to each merchant in the Visa/MasterCard systems. To date, for all (!) of the above types of business, it is the same-7995 (gambling). According to the rules of the Ministry of internal Affairs, violation of code 7995 is a serious violation and is punishable by an amount of $ 25,000 (well, approximately) for each detected case (that is, for the mirror site). This is exactly how bank managed to get a million dollars worth of fines in the summer of 2020 (the bank itself is worth less) from Visa Intl. You will be surprised, but when accepting payments via e-money, an exception is made for 7995. if such transactions pass through the "wallet", then the entire wallet must have the code 7995. Transactions using this code, for example, are completely closed in the payments system, as in all US banks - the card will simply not be accepted for payment. By accepting such transactions via e-money, the Bank pretends (until it is caught) that it doesn't notice what transactions are being made in the wallet. Since compliance with the rules of payment systems is a requirement of law, a violation of this rule - this is a violation of Federal law.
- Do the sites that our channel detects EN masse have the code 7995? No, and it can't be - getting this code is possible only when the gambling business is officially registered with a Bank, namely as a gambling business with all the resulting licenses, and there are a lot of restrictions for this code, including full identification of the payer.
- Further more. Most banks accept payments through pseudo-foreign wallets through the so-called "netting" - this is a contract (created by lawyers from hell), the meaning of which boils down to the fact that the Bank enters into an agreement with the wallet as with a money transfer system (well, as if with Western Union) and formally considers such operations as money transfers to individuals. individuals from abroad, and transactions of pseudo - winnings (pseudo-because people mostly lose, winnings are the withdrawal of the casino's own income to fake Bank cards) is registered as money transfers inside, then a "netting" - that is, offsetting these incoming and outgoing funds and would not believe - they are penny coincide (as introduced - and brought so much), that is generally the classical encashment in violation of all conceivable rules (another law from hell, in fact one of the most stringent in the world of banking - payments block even breath the wrong time and the color of socks, director), not to mention the rules of Visa and MasterCard. Starting in June 2020, the bank requires all such pseudo-wallets and money transfer systems to be registered in a special register. This method of work is no longer just a violation of the law and the rules of payment systems, it is a financial crime in its purest form, since there is a complete substitution of the declared activity (money transfers) with the real one (accepting payments for illegal business).
- Stupid question. Can a Bank enter into a contract with a pool sales outlet and run casino transactions through it? Armenian radio's response: there is no article for idiocy, but otherwise it can't.
- And how do banks do this in General? Basically, large banks accept barely alive banks and the same companies with licenses of the bank (so-called NPOs - non-bank credit organizations) for service, thus bringing down the full power of regulators and investigations on an already not very live intermediary. If he has a license , then he should answer to the Central Bank. And already a barely alive bank or NGO massively connects all types of "garbage dumps" for acquiring.
- Is the entire bank legally responsible for servicing illegal business from the point of view of the criminal code? A Bank as an institution is unlikely. Bank employees - only if they are reasonably really involved in the" cover - up "of such a business-in this case, they are either "accomplices" of the criminal group that organized the business, for example, an online casino (usually from glorious Ukraine), or the organizers of cashing out on their own.
- And how many people were jailed for this? The answer is very much. Being a bank employee is a very difficult and not always rewarding job. A little more and it will be no better than a "drop" for bank card scammers. Colonies and pre-trial detention centers are packed to the brim with frankly stupid bank employees.
Point
And how to raise money? And very, very simple. And a lot of people raise it. The fact is that there are two immutable truths, based on the above. Firstly , you can always challenge any Visa/MasterCard/MIR transaction, and secondly, since the Bank initially hides what its client actually does, he will always lose the dispute under all circumstances.
For any transaction within 120 days (this is important!) from the transaction, the cardholder can object to the payment according to the Visa/MasterCard rules. Such a challenge is called a chargeback. At one time, citizens in the United States were very sickly enriched with this method until the 7995 and regulation codes were introduced. Banks hate to apply for chargebacks ,but they can't help it either - the rules of payment systems are as unquestionable as the law.
When applying for chargeback, you indicate the reason - if the reason is "the card is not mine", the reader will send you reasonably faraway, because SMS verification (also called 3d-secure in banking) confirms that you are the payer. If you write that the service is not provided (there is a formulation) in independence from anything, even war and pandemics, you'll get your money back, no matter how much you lose and how - for a simple reason: the issuing bank sends the transaction to Visa/MasterCard and then requested position aquaria, and here at aquaria comes the excuse is the place, where the sun doesn't shine at all, because it doesn't matter what it says for a service, even a pool, even e-money, even transfers-from your explanation it follows that you played in a casino (Forex, binary, etc.).
The acquirer simply doesn't have anything to answer for - they can't confirm the provision of the service, and they generally have another service issued for the outlet. And it doesn't matter if the outlet has long since disappeared - the bank itself responds with a minted coin. Therefore, unscrupulous people (not at all like you, the reader) lose-they win more than say 4 months in a row, and then go to the bank and forcibly withdraw all the money that they paid in the online casino. Up to a penny. This is exactly how the entire industry in the United States almost closed down at first. And it still works perfectly! Verified. The amount doesn't matter. You can practice on pennies.
IMPORTANT: All this will not work for bookmakers in TSUPIS, Forex brokers with a license from the bank. They pay taxes, are registered correctly with acquiring banks, and will simply respond to you that the service has been provided. These, however, make up 0.5% of the total market. Maybe less.
The only negative side of this story is the duration of chargeback. This process takes from two weeks to 3 months, although it is definitely worth it.
And today we will tell you something, reader, that those who knew about the method described above did not know yet.
How to speed up the rise of money
The thing is that there are three key points: everything described above is certainly well known to the acquiring banks themselves, where they serve criminals, and besides, the bank (often unlike a stupid illegal online casino) also knows one more truth - the longer you flounder, the more painful it will get. In other words, it is better not to wait until Visa, Mastercard come with questions - the answers are expensive, only Visa & Mastercard have $ 25,000 for each detected site. The bank (may the state forgive us for subtle hints) are much more expensive. And finally, third, any retail outlet can make a voluntary refund at the request of the bank. Taken together, this means that the acquirer bank always immediately forces the merchant to return money for complaints as soon as possible at any "sneeze".
Therefore, if you know the acquiring bank of an illegal online casino and the terminal number, then your refund becomes almost instant and it is done like this:
1. you apply for chargeback at your issuing bank. (It's better to do this anyway). Specify the reason - the service was not rendered.
2. You write to bank (there is a complaint form on the website): I am citizen Vasya Pupkin. I played here on this online casino site_____ and lost my funds in such a volume______ by bank card number___________. From the mass media (telegram channel "typical mammoth" for example) I learned that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer _______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law. I ask You to conduct an audit in this regard in relation to the bank_______, as well as assist in returning me the funds I spent.
3. You write an application (available online) to the Ministry of internal Affairs at the address of your registration approximately the same text, adding where you were physically located (this is a crime scene by law): I am a citizen Vasya Pupkin. Being at the address ____ from my personal computer computer I played here on this site of the online casino_____ and lost my funds in such a volume____ on a bank card with the number___________. From the mass media (and here we do not specify the telegram channel "typical mammoth"). I learned that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through Russian banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
4. You write the same (well, almost) application (the form must be on the site somewhere): I am citizen Vasya Pupkin. Being at the address ____ from my personal computer I played here on this site of the online casino_____ and lost my funds in such a volume ____ on a bank card with the number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank cards through the terminal ____ through the bank acquirer_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law, acting, among other things, obviously contrary to law. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
5. You write exactly the same letter to the Federal tax service. It is the Federal tax service that oversees restrictions on online casinos and similar illegal markets: I am a citizen Vasya Pupkin. Being at the address _____from my personal computer computer I played here on this site of the online casino_____ and lost my funds in such a volume____ on a bank card with the number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by Bank cards through the terminal_______ through the acquirer Bank_______. Please note that the terminal number is a unique identifier of the corresponding agreement between the bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities in the Russian Federation, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I conclude that I was misled and provided a service that I could not provide under the law, please limit the possibility of accepting payments for this online casino and conduct a review on this issue. I ask You to conduct a check in this regard in relation to the specified casino, as well as the bank_______, as well as assist in returning me the funds I spent.
6. The same thing you write to any of the email addresses that will find Visa & Mastercard, but in English: My name is Vasiliy Pupkin, I live in Russia and paid _____dollars for bets in the online casino at URL ____________ with my bank card __________. Based on my media research it occurred to me that the above mentioned online-casino (forex, binary options) is accepting bank card payments using registered terminal ID________ of bank acquiring _______. After careful examination of our local legislation I have realized that since I have not passed formal personal identification as the local law requires this casino is illegal and unlicensed and therefore violated my cardholder rights and obviously violates card corporation rules & bylaws as well. Based on this I demand your corporation to investigate this matter urgently and assist me in refunding my transactions. I have filed a chargeback request with my issuing bank.
7. After sending all these wonderful letters (and preferably keeping the electronic receipt marks), you write a short message to Acquiring Bank (to any and all emails from the Bank's website): I am citizen Vasya Pupkin. I played here on this online casino site_____ and lost my funds in such a volume______ by bank card number___________. I learned from the mass media that the mentioned online casino (Forex, binary options, etc.) accepts payments by bank card through the terminal _____ through the bank acquirer_______, that is, YOUR organization. Please note that the terminal number is a unique identifier of the corresponding agreement between the Bank and the point of sale. After reviewing the current legislation, I found that since I did not pass identification to make a bet as required by Federal law, it follows that the mentioned online casino does not have a license to carry out gambling activities in the Russian Federation, operates illegally and, accordingly, cannot accept payments through banks. Based on this, I sent requests and applications (a copy is attached) to Visa & Mastercard, and of course left a chargeback application with my issuing Bank. I ask you, in accordance with the rules of payment systems (good faith), to immediately make a refund for all transactions on my Bank card to the specified online casino. I am forced to inform You that your Bank's response to my letter may be attached to further interaction between me as a citizen and the regulators to whom I applied, as well as law enforcement agencies. Thank you in advance for your assistance!
Because if you don't get them, something like this will happen: first, the bank will fine Visa & MasterCard $ 25,000 for the site, then the bank will leave, to their satisfaction and displeasure of the bank equal to the cost of consulting services on all the mentioned sites. A little later, your chargeback will come to the bank and the bank will be forced to give the money back in any case. There is no other option.
As you understand, you don't have to lose money at all, just withdraw it to other banking details.
