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Card BIN Is it important in this field Some people say that if the environment is well built and there are no unusable card BINs
1. In practice, I come across bins cards, when used, there is always a successful payment on certain sites.
There are also bins cards that cannot be paid for, since they are on the black list (rare, but occurs with a large number of chargebacks).
There are bins of premium segment cards, it is believed that they have a larger balance than classic cards.
What does the classification of card levels represent? Is it helpful for work?
2. Classification of cards by territorial action:
On this basis, cards are divided into local, international and virtual.
Local cards are cards for performing operations within the issuing bank’s system. In a broader sense - within one country (within the national payment system, for example, in Russia - this is the MIR system).
International cards are cards of international payment systems, the most popular of which are Visa and MasterCard. Suitable for most typical operations worldwide.
Virtual cards are cards intended exclusively for transactions within the Internet. A virtual card is essentially a card simulator; it is not issued in real form, but exists only in electronic (virtual) form.
Classification according to the funds on the card:
Cards are divided into debit, credit and prepaid.
Debit cards. The funds on such a card belong only to you and you manage them at your own discretion. Sometimes the bank accrues interest on the funds in the account, sometimes not. Depending on the conditions of the bank that issued the card, any transactions may be allowed on the card or some of them may be limited.
Debit cards with overdraft are a kind of hybrid of a debit and credit card: the funds on the card belong to you, but when these funds are exhausted, the bank automatically opens a loan for you (for a certain amount pre-agreed in the agreement) and you can make transactions on this card “minus”, i.e. the card changes from a debit card to a credit card.
Credit cards - the money on this card belongs to the bank, but you can use it to carry out transactions (including without paying interest for a certain period) according to the terms of the agreement with the bank.
Prepaid cards are cards that already have some amount of money on them at the time of purchase (essentially a debit card), but payments are made on behalf of the issuing bank (not on your behalf). At the same time, the conditions for spending on this card can be limited by the bank that issued it, for example, the card can be issued only for paying for fuel at a certain brand of gas station, for paying only for cosmetics of a certain company or for paying in a certain store (chain of stores), etc. P. As a rule, such cards have a limited validity period; they cannot be extended or replenished, or money can be withdrawn from them. An example of a prepaid bank card is gift bank cards.
Classification of cards by purpose:
According to their purpose, cards are divided into personal, salary, corporate and impersonal (pre-issued).
You create personal cards yourself. The choice of bank, payment system and other parameters depends on your preferences and is determined only by you.
Salary (social, youth, pension, etc.) cards are issued to employees of organizations as part of salary projects (an agreement between an organization and a bank on the transfer of wages, pensions or other regular payments to cards of this series). The type of this card is chosen by the organization that enters into a service agreement with the bank. Typically, these are entry-level cards because these cards are cheaper to maintain.
Corporate cards. The funds on such cards belong to organizations that have entered into an agreement with the bank. They are issued to employees of the organization to pay for current business expenses (for example, on a business trip).
Pre-issued cards are cards issued “to no one” (impersonal). Such a card initially does not contain information about the owner; the holder’s data is not indicated on it. The card is attached to an account that is opened for a specific client. Such a card usually allows you to perform all the same operations as a regular debit card (however, the set of functions of the card depends on the bank that issued it). The convenience lies in the fact that drawing up an agreement on such a card takes a few minutes, while the process of issuing a regular card takes from 1-2 to 10-14 days.
Classification by card level:
By class (level), international standard cards are divided into entry-level, standard and premium cards. These levels differ in the cost of annual card maintenance, in the functionality of carrying out certain operations on the card (the lower the level, the fewer capabilities the card has) and in the privileges that the card level provides for the client. Let's consider the card levels of the two main international systems, Visa and MasterCard.
First level. In most cases, these are debit cards (it is extremely rare to find a credit card of such a low class), which do not allow electronic payments via the Internet (however, this depends on the decision of the bank that issued the card), but are characterized by inexpensive issue and maintenance. Often salary cards (pension, social, etc. cards) belong to this level.
Standard level. Cards at this level can be either debit or credit. The cost of their issue and maintenance is slightly higher than that of entry-level cards, but they also have much wider functionality for the operations performed. In most cases, standard-level cards do not have significant restrictions on the capabilities of carrying out typical transactions (paying for purchases, booking hotels, withdrawing cash). Standard level cards are a classic type of bank card.
The premium level includes cards from the Gold, Platinum, Titanium, etc. series. Their difference is the high cost of production and maintenance (from several thousand to tens of thousands of rubles per year). For this, the owner of such a card receives an exclusive card design (at his request), a complete absence of restrictions on transactions carried out using it, and other bonuses and privileges, for example, concierge service, free access to VIP areas at airports, hotels, etc.
Is it difficult to get electronic products and game props stuck?
3. Preparation for the carding method of digital goods - games, skins, software licenses, gift cards, etc. no different from other methods. Antifraud on such sites works just as well, so you need to properly prepare your system for work and have good and valid material for carding.
Can a good payment environment avoid 3D verification?
4. Cards come in VBV, Auto-VBV, Non-VBV and Non-MCSC.
You can bypass 3D Secure using Auto-VBV and Non-VBV cards, which do not send an OTP code for confirmation via SMS to the cardholder’s phone.
You can pay for any goods on websites using any cards, including VBV, if payments are serviced by a payment gateway (merchant) that works using 2-D Secure technology.
Even if your system is configured correctly and without leaking the digital fingerprint of the device from which you are carding, if the card has VBV, then you will not be able to bypass 3D Secure verification.
There are sites that debit money from a card without an OTP code for any cards; these are usually some paid subscriptions or accounts were obtained from logs in which the card was already linked and confirmed by the cardholder himself.
Please ask anything that interests you.
