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Contents
Transfer on the card is a term that came to us from the sphere of activity of financial cyber-criminal groups and denotes one of the ways to launder stolen or illegally earned (dirty) money. He immediately fell in love with both petty fraudsters who have nothing to do with serious crime, and ordinary citizens.
As a result, numerous fraudsters on the network began to deceive people in need of money, offering them frenzied rewards for such operations - on message boards and in various forums you can find announcements such as "fill the card without prepayment" or "I will put money on the card or an account in any banks "with a commission of up to 50% of the amount of the gulf. And ordinary citizens buy into such “calls”, refusing to turn on their heads, end up for divorce and endlessly produce ads on the network with headlines like “I will accept the transfer on PayPal, Qiwi, WU, MG, CashApp, Venmo, or WebMoney e-wallets”, etc.
Many people believe that this is a great way to make quick money, but few people think about the consequences of such actions. In the article we will talk about the really existing methods of the transfer, the scammers who parasitize on them, and how to protect yourself from criminal liability (and this is not a joke), if you are already involved in this adventure.
What is the transfer on the card?
In the language of fraudsters, a gulf on the card is a method of cashing out stolen or illegally earned money. In other words, “dirty” money must be laundered, turning it into clean money, when law enforcement officers no longer have any questions about the source of their appearance. If we are talking about organized criminal groups (OCGs), then the scheme of theft is as follows: electronic accounts or bank accounts are hacked, money from which is withdrawn and cashed out. Often, commercial organizations do not want to declare their income and try to "withdraw" them in various ways, unnoticed by the tax service.
At the same time, the scheme is quite simple, it is enough just to find a person who, for a certain percentage of the transfer amount (gulf), will agree to carry out only a few operations through his card, namely: crediting funds, cashing out and sending the agreed part of them to the specified account of the attackers. In most cases, advertisements about the so-called gulfs are posted on the Internet, and often criminals also use e-mails. These are the most common methods by which you can quickly find a person to cash out stolen funds, just not the fact that this person will not run into deception, but we will talk about this further.
To make it clearer what we are talking about, let us turn to the fraudulent terminology of this money laundering tool, which (in a simplified form) is a chain: "flood-drop-lead-drop".
A "sprinkler" is a person who transfers funds from hacked accounts to cards (accounts) of drops, in order to launder them and then return them to their "clean" accounts.
"Dropovod" is an intermediary between the filling agent and the drops, which builds its infrastructure from cardholders, to whose card accounts the stolen money will be withdrawn. These funds will subsequently be transferred by drops to the accounts of the addressee. Works for a good percentage of the poured amount.
"Drop" - "ordinary" card holder, on which "dirty" money is poured. A drop should, for a good reward (40-50%), transfer a part of the amount to the required accounts or withdraw funds from an ATM and transfer them to the drop channel's authorized representative. The drop guide, as you understand, will not "shine" - if he is caught, then the term will be given such that it will not seem a little to him.
For people who find themselves in a trap of debt, the flood of funds on the card may seem like a real salvation and the best way out of this situation. Indeed, if you are promised 40-50% of the funds poured into your card account, then with the amount of the gulf of $ 3000 (and sometimes more), you get as much as 80 thousand rubles. Here you can not only repay all loans, but also heal on a broad hand.
At the same time, few people think about the consequences of such operations. What do you think - just such a high reward for seemingly trifling actions? Without knowing it, you become an accomplice in a money laundering crime, and it will not be difficult for law enforcement agencies to figure out you. The bank itself will send a statement to the police on suspicion of your transfer under for example Legalization (laundering) monetary funds or other property acquired by other persons in a criminal way”. You will be easily "grabbed by the hand" and you will have up to 7 years in prison,
For scammers, the main task is to find a person who is in a difficult financial situation. This is what prompts people to take such actions, because in most cases they are offered fabulous percentages of the transferred amount. But in reality, everything is not so simple.
What are the transfer options?
Today there are, so to speak, two gulf schemes - real and phantom (deception or pseudo-gulf), each of which has its own specific features. In any case, the person who agreed to the scammers' trick acts either as an accomplice in the crime (in the form of a drop) or as a victim. Let's consider these schemes in more detail.
Real transfer without prepayment
We have already described how the transfer to card accounts occurs, but there are important additions.
Firstly , a real drop guide will never look for drops on the Internet on open (public) forums and message boards - he will simply expose himself. Although such schemes are perfectly acceptable if he acts through a chain of dummies, and the announcements are unlikely to be so "flashy". The search for those wishing to accept the flood of money on the card is carried out on closed specialized sites or through their own people - to minimize the risk.
Secondly, the drop conductor initially has no idea to substitute the drop. He painstakingly gathers people (building his own drop project) who can be trusted and who will prove themselves in practice. Such a structure should work more than once, but many times to carry out the scheme "flood - withdrawal or transfer to the desired account." Also, with drops, schemes are being worked out for avoiding the claims of law enforcement officers, etc.
Thirdly , real transfers on the card are always WITHOUT PAYMENT. Nobody needs these crumbs (which pseudo-fillers ask them to translate) - the drop reward for the operations performed will be much higher.
Fourthly, criminals will never take risks in such a way that they will pour dirty money into your real cards. As a rule, for these purposes, massive accounts are opened in various countries, and the cards linked to these accounts and complete with a pin code are then sold by criminal gangs to dropouts in different countries. Such a card is issued to a drop and he accepts a gulf on it and transfers money to where it is needed until the bank blocks the card for suspicious transactions.
In any case, each link in this chain of cashiers is at great risk. And if you get involved in this scheme, then all responsibility will automatically fall on you, as a person who directly received illegal funds on his card and used them. At the same time, you face criminal liability and a real term (see above), so you should be extremely vigilant, agreeing to such offers from strangers, and you must clearly understand what you are doing.
Phantom Transfer (Pseudo Transfer)
The scheme with phantom or pseudo-fill is used by small crooks in most cases. In this case, the victim is offered a division of money, as in the case of a real gulf, however, in order to participate in this, it is necessary to make some advance payment for participation in such an operation. Of course, scammers lure with a large percentage of the operation (40-50%). It is these crazy sums that make the victim agree to such conditions. Of course, after the prepayment is transferred, the attackers do not get in touch and merge with the victim's money. Such a scheme is used very often, and the Internet is simply replete with so-called "positive" reviews about such operations. Actually, such reviews themselves are pseudo-fillers and rivet.
Attention! The prepayment requirement is a scam classic and a 200% scam. Don't get caught.
Another equally common case of deception is receiving from the victim not only the card number (only it is needed for the transfer), but also all the other card details. They can come up with anything as an excuse, for example, that before the transfer, there must be a certain amount in the account so as not to give the bank a reason for suspicion, it seems like you cannot pour on empty plastic. And under the guise of finding out all the details. Moreover, the scammers will say that no prepayment is needed, which is why the victim begins to lose vigilance. This is also one of the classic divorce schemes, see, for example, the article on fraud on eBay.
Fraudsters can also provide the victim with fake scans of receipts, bank statements about the transfer of funds, which are some kind of confirmation of sending money. At the same time, they will declare that the amount of sending is "blocked", and you can get it only after crediting 30-50% of it to a certain account. In fact, this is a form of prepaid cheating. In the end, you yourself become a victim, agreeing to the tricks of the scammers, because you will not receive the promised money after transferring a generous fee to them.
It comes to the point that a third party, a "guarantor", can take part in the cashing scheme, which guarantees for a certain percentage of the transaction that the money will reach you. It's just ridiculous, because it is clear who acts as a guarantor - the scammers themselves!
How to protect yourself from criminal liability if money is poured onto your bank card?
If you agreed to the terms of the fraudsters, and a certain amount was received on your card, in order to avoid responsibility, do not withdraw them from your account. Contact the bank and explain that incomprehensible money from unknown persons was mistakenly credited to your account, DO NOT cash it in NO EVENT. In this case, the bankers themselves will understand the situation. In extreme cases, you can block the card or "lose" it, declaring the loss to the bank, you will simply be reissued.
If you decide to withdraw at least part of the funds received, you automatically become a participant in the crime and you will face criminal liability.
Now you know what a bank card bay is and how it threatens. It is also worth noting that such schemes, according to reviews of "knowledgeable" people on the network, cannot be implemented using electronic payment systems - it is unsafe. Therefore, if you are offered a gulf to e-wallets instantly and without prepayment, this is a pure fraud.
- 1 What is the transfer on the card?
- 2 What are the transfer options?
- 2.1 Real transfer without prepayment
- 2.2 Phantom transfer (pseudo-transfer)
- 3 How to protect yourself from criminal liability if money is poured onto your bank card?
Transfer on the card is a term that came to us from the sphere of activity of financial cyber-criminal groups and denotes one of the ways to launder stolen or illegally earned (dirty) money. He immediately fell in love with both petty fraudsters who have nothing to do with serious crime, and ordinary citizens.
As a result, numerous fraudsters on the network began to deceive people in need of money, offering them frenzied rewards for such operations - on message boards and in various forums you can find announcements such as "fill the card without prepayment" or "I will put money on the card or an account in any banks "with a commission of up to 50% of the amount of the gulf. And ordinary citizens buy into such “calls”, refusing to turn on their heads, end up for divorce and endlessly produce ads on the network with headlines like “I will accept the transfer on PayPal, Qiwi, WU, MG, CashApp, Venmo, or WebMoney e-wallets”, etc.
Many people believe that this is a great way to make quick money, but few people think about the consequences of such actions. In the article we will talk about the really existing methods of the transfer, the scammers who parasitize on them, and how to protect yourself from criminal liability (and this is not a joke), if you are already involved in this adventure.
What is the transfer on the card?
In the language of fraudsters, a gulf on the card is a method of cashing out stolen or illegally earned money. In other words, “dirty” money must be laundered, turning it into clean money, when law enforcement officers no longer have any questions about the source of their appearance. If we are talking about organized criminal groups (OCGs), then the scheme of theft is as follows: electronic accounts or bank accounts are hacked, money from which is withdrawn and cashed out. Often, commercial organizations do not want to declare their income and try to "withdraw" them in various ways, unnoticed by the tax service.
At the same time, the scheme is quite simple, it is enough just to find a person who, for a certain percentage of the transfer amount (gulf), will agree to carry out only a few operations through his card, namely: crediting funds, cashing out and sending the agreed part of them to the specified account of the attackers. In most cases, advertisements about the so-called gulfs are posted on the Internet, and often criminals also use e-mails. These are the most common methods by which you can quickly find a person to cash out stolen funds, just not the fact that this person will not run into deception, but we will talk about this further.
To make it clearer what we are talking about, let us turn to the fraudulent terminology of this money laundering tool, which (in a simplified form) is a chain: "flood-drop-lead-drop".
A "sprinkler" is a person who transfers funds from hacked accounts to cards (accounts) of drops, in order to launder them and then return them to their "clean" accounts.
"Dropovod" is an intermediary between the filling agent and the drops, which builds its infrastructure from cardholders, to whose card accounts the stolen money will be withdrawn. These funds will subsequently be transferred by drops to the accounts of the addressee. Works for a good percentage of the poured amount.
"Drop" - "ordinary" card holder, on which "dirty" money is poured. A drop should, for a good reward (40-50%), transfer a part of the amount to the required accounts or withdraw funds from an ATM and transfer them to the drop channel's authorized representative. The drop guide, as you understand, will not "shine" - if he is caught, then the term will be given such that it will not seem a little to him.
For people who find themselves in a trap of debt, the flood of funds on the card may seem like a real salvation and the best way out of this situation. Indeed, if you are promised 40-50% of the funds poured into your card account, then with the amount of the gulf of $ 3000 (and sometimes more), you get as much as 80 thousand rubles. Here you can not only repay all loans, but also heal on a broad hand.
At the same time, few people think about the consequences of such operations. What do you think - just such a high reward for seemingly trifling actions? Without knowing it, you become an accomplice in a money laundering crime, and it will not be difficult for law enforcement agencies to figure out you. The bank itself will send a statement to the police on suspicion of your transfer under for example Legalization (laundering) monetary funds or other property acquired by other persons in a criminal way”. You will be easily "grabbed by the hand" and you will have up to 7 years in prison,
For scammers, the main task is to find a person who is in a difficult financial situation. This is what prompts people to take such actions, because in most cases they are offered fabulous percentages of the transferred amount. But in reality, everything is not so simple.
What are the transfer options?
Today there are, so to speak, two gulf schemes - real and phantom (deception or pseudo-gulf), each of which has its own specific features. In any case, the person who agreed to the scammers' trick acts either as an accomplice in the crime (in the form of a drop) or as a victim. Let's consider these schemes in more detail.
Real transfer without prepayment
We have already described how the transfer to card accounts occurs, but there are important additions.
Firstly , a real drop guide will never look for drops on the Internet on open (public) forums and message boards - he will simply expose himself. Although such schemes are perfectly acceptable if he acts through a chain of dummies, and the announcements are unlikely to be so "flashy". The search for those wishing to accept the flood of money on the card is carried out on closed specialized sites or through their own people - to minimize the risk.
Secondly, the drop conductor initially has no idea to substitute the drop. He painstakingly gathers people (building his own drop project) who can be trusted and who will prove themselves in practice. Such a structure should work more than once, but many times to carry out the scheme "flood - withdrawal or transfer to the desired account." Also, with drops, schemes are being worked out for avoiding the claims of law enforcement officers, etc.
Thirdly , real transfers on the card are always WITHOUT PAYMENT. Nobody needs these crumbs (which pseudo-fillers ask them to translate) - the drop reward for the operations performed will be much higher.
Fourthly, criminals will never take risks in such a way that they will pour dirty money into your real cards. As a rule, for these purposes, massive accounts are opened in various countries, and the cards linked to these accounts and complete with a pin code are then sold by criminal gangs to dropouts in different countries. Such a card is issued to a drop and he accepts a gulf on it and transfers money to where it is needed until the bank blocks the card for suspicious transactions.
In any case, each link in this chain of cashiers is at great risk. And if you get involved in this scheme, then all responsibility will automatically fall on you, as a person who directly received illegal funds on his card and used them. At the same time, you face criminal liability and a real term (see above), so you should be extremely vigilant, agreeing to such offers from strangers, and you must clearly understand what you are doing.
Phantom Transfer (Pseudo Transfer)
The scheme with phantom or pseudo-fill is used by small crooks in most cases. In this case, the victim is offered a division of money, as in the case of a real gulf, however, in order to participate in this, it is necessary to make some advance payment for participation in such an operation. Of course, scammers lure with a large percentage of the operation (40-50%). It is these crazy sums that make the victim agree to such conditions. Of course, after the prepayment is transferred, the attackers do not get in touch and merge with the victim's money. Such a scheme is used very often, and the Internet is simply replete with so-called "positive" reviews about such operations. Actually, such reviews themselves are pseudo-fillers and rivet.
Attention! The prepayment requirement is a scam classic and a 200% scam. Don't get caught.
Another equally common case of deception is receiving from the victim not only the card number (only it is needed for the transfer), but also all the other card details. They can come up with anything as an excuse, for example, that before the transfer, there must be a certain amount in the account so as not to give the bank a reason for suspicion, it seems like you cannot pour on empty plastic. And under the guise of finding out all the details. Moreover, the scammers will say that no prepayment is needed, which is why the victim begins to lose vigilance. This is also one of the classic divorce schemes, see, for example, the article on fraud on eBay.
Fraudsters can also provide the victim with fake scans of receipts, bank statements about the transfer of funds, which are some kind of confirmation of sending money. At the same time, they will declare that the amount of sending is "blocked", and you can get it only after crediting 30-50% of it to a certain account. In fact, this is a form of prepaid cheating. In the end, you yourself become a victim, agreeing to the tricks of the scammers, because you will not receive the promised money after transferring a generous fee to them.
It comes to the point that a third party, a "guarantor", can take part in the cashing scheme, which guarantees for a certain percentage of the transaction that the money will reach you. It's just ridiculous, because it is clear who acts as a guarantor - the scammers themselves!
How to protect yourself from criminal liability if money is poured onto your bank card?
If you agreed to the terms of the fraudsters, and a certain amount was received on your card, in order to avoid responsibility, do not withdraw them from your account. Contact the bank and explain that incomprehensible money from unknown persons was mistakenly credited to your account, DO NOT cash it in NO EVENT. In this case, the bankers themselves will understand the situation. In extreme cases, you can block the card or "lose" it, declaring the loss to the bank, you will simply be reissued.
If you decide to withdraw at least part of the funds received, you automatically become a participant in the crime and you will face criminal liability.
Now you know what a bank card bay is and how it threatens. It is also worth noting that such schemes, according to reviews of "knowledgeable" people on the network, cannot be implemented using electronic payment systems - it is unsafe. Therefore, if you are offered a gulf to e-wallets instantly and without prepayment, this is a pure fraud.
