Warning: These "PayPal/Bank Transfer" Services Are 99.9% Scams
If you are reading this because you are tempted by ads on CardingShop.club (scam site), or any similar dark-web-style carding forum promising something like:
- “I will load $5,000–$50,000 to your PayPal/Bank for only 10–20 % upfront (Bitcoin, USDT, gift cards, etc.)”
- “Verified seller with escrow”
- “Clean money, no chargeback, 100 % safe”
→
Do not send them a single dollar. You will almost certainly lose whatever you send and receive nothing in return.
How the Scam Actually Works (Step by Step)
- You contact the seller (usually via Telegram, Jabber/Onion messenger, or the forum PM).
- They demand an upfront “fee” or “deposit” (typically 10–25 % of the promised amount) to “unlock the transfer,” “pay anti-fraud taxes,” “bypass PayPal hold,” or some other invented excuse.
- You pay (almost always irreversible methods: Bitcoin, Ethereum, Perfect Money, WebMoney, Amazon/iTunes gift cards, etc.).
- One of three things happens:
- Most common (≈90 %): The seller immediately blocks you and disappears.
- Second most common: They come back with a new excuse (“PayPal froze the transfer, need another $300 for insurance/release fee”) and milk you for more money until you stop paying.
- Extremely rare: They actually send a small amount ($100–$500) from a hacked PayPal account. You withdraw it and feel happy… until 7–90 days later PayPal reverses the transaction as fraud. You are now out your original “fee” + whatever you spent from the reversed money, and your PayPal account is permanently limited.
Why Even “Verified” Sellers and Forum Escrow Are Meaningless
- These forums make money from membership fees, advertisement banners, and (most importantly) from the escrow service itself. The admins have zero incentive to side with a victim when a “verified” seller rips someone off.
- “Verified seller” status is usually bought for $100–$500 or granted to people who have scammed dozens of others without getting caught yet.
- The escrow on these sites is almost always releases the money to the scammer the moment you mark the deal as “funded.” If you complain later, you get banned for “breaking rules” or “slander.”
- Real criminals who actually possess stolen bank logs or hacked PayPal accounts sell them in bulk to money mules and professional launderers for 30–60 % of face value — they do not sell tiny $5k transfers to random people on public forums for 10 %.
Real Experiences from the Last Few Years (2023–2025)
Thousands of identical victim reports exist on:
- Reddit: r/scams, r/paypal, r/darknet (search “paypal transfer scam” or “bank log transfer scam”)
- 419eater.com and scamwarners.com archives
- Various Telegram channels and Discord servers where victims share stories
Typical loss amount: $300–$3,000 per victim. Almost nobody ever receives the promised large transfer that stays in their account permanently.
The Extremely Rare Cases Where Money Actually Arrives (and Why You Still Lose)
Sometimes a scammer will use a real hacked account to send you money just to build fake reviews. The money is almost always reversed later because:
- PayPal’s fraud team is extremely aggressive (they reverse unauthorized transactions up to 180 days later).
- Banks do chargebacks or recalls on ACH/wire transfers that came from compromised accounts.
- When the real account owner notices, they report fraud → you are now in possession of stolen money, which can lead to your own account being frozen or even police involvement if the amounts are large.
What You Should Do Instead
- Never send money upfront to anyone promising to “load” or “transfer” large amounts to your account.
- Earn or receive money through legitimate channels only (job, freelance work, legal business, gifts from family/friends, etc.).
- If you have already sent money:
- Treat it as lost.
- Do not send any more under any circumstances.
- If you used Bitcoin or another cryptocurrency, the transaction is irreversible.
- If you used gift cards, contact the gift-card company immediately (very small chance of recovery if you have the receipt and cards haven’t been fully redeemed).
Bottom Line
There is no legitimate, reliable vendor on any carding forum who will give you $10,000 clean money in exchange for $1,000 upfront. Anyone who claims otherwise is running a textbook advance-fee fraud (“419 scam” adapted to the next generation).
Stay safe, don’t get greedy, and keep your money in your own wallet. The only person who wins in these deals is the scammer.
P.S. Carders who are skilled in such transfers use trusted cash-out services that provide clear drop (money mule) details for 15-25% of the total transfer amount.
WWH-Club is a good forum, but it is under FBI control (following the arrest of its moderators in the US), and there are no such proposals there. If you see offers like these and want to verify the scammers' integrity, use the free, automated escrow service you trust.
