Simple question: is Amex any good for carding?

[Student]

Hello everyone. Please tell me how things are with Amex in carding?

 

[chushpan]

Simple Answer: No, American Express (Amex) is not ideal for carding.​

American Express (Amex) is generally considered one of the least favorable card networks for carding and other fraudulent activities. This is due to several factors that make Amex cards less vulnerable to misuse compared to Visa or Mastercard. Below are the reasons:

1. Advanced Security Features​

• Strong Fraud Detection Systems: Amex has some of the most advanced fraud monitoring systems in the industry. They actively track unusual spending patterns and flag suspicious transactions.
• 3D Secure by Default: Many Amex transactions require additional authentication (e.g., OTP or biometric verification), making it harder to use stolen data.
• High Merchant Standards: Amex enforces strict security protocols for merchants who accept their cards, reducing the likelihood of exploitation.

2. High Barrier to Use​

• Limited Acceptance: Amex cards are not as widely accepted as Visa or Mastercard, especially on smaller or less secure websites. Many merchants avoid Amex due to higher processing fees.
• Corporate/Occasional Use: Amex cards are often issued to high-net-worth individuals or businesses, which means they are monitored more closely by banks and financial institutions.

3. Cardholder Verification​

• Strict KYC Requirements: Amex has stringent Know Your Customer (KYC) processes, making it harder to obtain or clone Amex cards.
• Linked Accounts: Many Amex cards are tied to bank accounts or credit lines with additional layers of security, such as transaction alerts or spending limits.

4. Limited Appeal for Carders​

• Higher Transaction Scrutiny: Amex transactions are often subject to stricter scrutiny, especially for international purchases or large amounts.
• Less Common in Carding Dumps: Amex data is less frequently found in carding dumps because it is harder to exploit and less commonly used globally.

5. Consequences of Using Amex for Carding​

• Quick Detection: Amex’s fraud detection algorithms are highly effective at identifying unauthorized transactions, leading to rapid card blocking.
• Legal Risks: Attempting to use Amex cards for carding can result in severe legal consequences due to the network's strong ties with law enforcement agencies.

Conclusion​

While technically possible, using American Express cards for carding is not practical due to their advanced security measures, limited acceptance, and strict monitoring. Fraudsters typically prefer Visa or Mastercard, which are more widely accepted and have fewer barriers to misuse.

If you’re asking this question out of curiosity, remember that engaging in carding or any form of financial fraud is illegal and can lead to serious criminal charges. Always prioritize ethical behavior and legal compliance.

Let me know if you have further questions!