In the world of carding, words that are not clear to beginners are often used. On our carding forum, with the help of our users as well as "experienced" figures, we have compiled a list and deciphering of basic concepts, definitions, slang words, and more.
Carding Dictionary - Common Abbreviations and Definitions
Next is a list of words, vocabulary of carding, which are often used in the world of carding. All words are arranged alphabetically.
Authorization - checking and determining the authority to perform certain actions. Permission granted by the issuer to conduct a transaction using a bank card. During the authorization process, data about the card and the requested amount are transferred to the issuing bank, where the status of the client's account is checked.
Acc (ac, ak) - account.
ATM / ATM / cash machine is a tamper -resistant bank security device designed for:
Auk (auc)- abbreviated. from auction.
BIN (from English "bank identification number (BIN)") is a 4-digit number intended for identification of issuing banks of payment and settlement cards in the payment system. As a rule, the first four digits in the bank card number coincide with the BIN of its issuer.
Issuing bank - the bank that issued the bank card. Also called Issuer (Issuing Bank) - an issuer, a bank that issues bank cards and opens card accounts for individuals and legal entities.
White plastic- in carding, this means a piece of clean plastic on which information is applied.
Wire transfer - bank transfer.
Valid card (from the English "VALID") - valid or valid card; genuine card; identification details of a valid or genuine card.
Validity (from the English "VALID THRU" - "valid until ...") - card validity period.
Introducer - a member of an organized group of employees of a merchant, acquirer or issuer.
Generator is a malicious computer program that generates digital identification details (conventional and electronic) of plastic cards (as a rule, an identification pair).
Hologram- a holographic sticker applied by pressing into the card under high temperature. The hologram serves as an additional degree of protection against crafts and is a mandatory attribute of bank cards.
Dirt, dirty money or goods - in carding, this is money or goods, the illegal acquisition of which can be traced.
Dump - information from the magnetic stripe of a bank card. Used for recording on plastic of a certain standard for further use in the store, written on the magnetic stripe of the card, consists of 1,2 or 3 tracks.
Debit card - a card that can only be used up to the amount available on the account.
Drop guide (Drovopod, Drop Service) - the person who manages the drops creates networks of drops for better quality / mass cash withdrawal.
Drop is a person who takes on a part of the work, usually in cash out of money. Accepts money transfers, provides an account for transactions by other people, etc. As a rule, on carding forums or other hot places they offer drop jobs. Such people are flooded with money to cash out.
Iron - computer hardware; electronic terminal without software; equipment for counterfeiting plastic cards (personalizer, printer, embosser, laminator, etc.).
Infa (info) - information, information about something.
Internet carding - using data from someone else's bank card to carry out all kinds of transactions on the Internet in order to receive money.
Carding - illegal activity in the sphere of circulation of plastic cards and their numbers; performing any specific actions on someone else's plastic cards or their numbers.
Coder - a technical device for recording computer data (electronic details) on the magnetic stripe of the card.
Coding - recording of computer data (electronic details) on the magnetic stripe of the card.
Codes (codez) - codes of access to confidential information of the database of a virtual store, acquiring bank or issuer, or to a protected object; Pin; an algorithm for "hacking" protection against unauthorized access to computer information or to a protected object.
Code grabber is a malicious computer program that picks up a secret key, password or access code to the software of an electronic terminal or a database of a merchant, acquirer, or issuer to carry out an operation using a plastic card or steal confidential data.
Corder is a criminal who specializes in counterfeiting magnetic stripe cards.
Creda - a credit or other bank card or information about it.
Crypt (cript)- cryptographic data conversion algorithm; a program for generating identification pairs and other digital identification details of bank cards.
Crack - "hacking" means of protection against unauthorized access to confidential computer information contained on a plastic card or client database of a virtual store, acquiring bank or issuer.
Carders (from the English "card") - professional criminals specializing in illegal activities in the field of circulation of plastic cards and their electronic details.
Carder is a person who uses information from someone else's bank card to receive money.
Carding - getting money by using information from someone else's bank card.
Card (cardboard, potatoes, CC, SS, Credit Card, Debit Card) - bank card number. Used for online shopping. Happens with and without cvv2 code.
Cardholder - a holder of a bank card, an individual or legal entity.
Card printer - a printer for printing information (pictures) on a card.
Ripper (aka Scammer) - a person who threw one of the carders.
Credit card - a card that you can use to buy on credit, i.e. not having enough money on the account. The amount of the loan is determined by the issuing bank.
Lamer (lamo, lamot, lam3r) - card holder or virtual store client - potential victim; novice carder.
Laminator - a device for covering bank cards with a protective film.
Dead card- a card of no value; a card with which, for whatever reason, it is impossible to carry out transactions (wanted, blocked, transactions on which are monitored by law enforcement agencies, etc.); a card that cannot be faked.
Merchant is a trading account to which money is received for the goods sold, an online trading system.
Soap - E-mail, e-mail address.
Credit number - any identification number of the card; identification pair of the card; electronic card details.
Order - order goods in a virtual store using bank card details.
Wash the card - in carding, it means transferring money from a card - from a special card account to another account, using a whole chain of intermediate accounts and payment systems; hide ("sweep") the traces of the stolen money.
Cash out / pour - converting stolen / dishonestly earned money into cash.
Laundering - the transformation of "dirty" money into "clean" money, that is, those whose illegal origin is impossible or extremely difficult to trace and prove; breaking the connection between money and its illegal origin.
Patch - make changes to the electronic details of the card or computer program or a change in the electronic property of the card or computer program. Change, reprogram the computer data (electronic details) contained on the integrated microcircuit of the card.
PIN (from the English "personal identification number") - PIN-code: a secret key of an electronic digital signature issued to the user (cardholder, subscriber) of a computer network or telecommunications for his identification and providing access to computer information. Not to be confused with CVV2, which is usually located on the back of the card.
Validity check - check for the correctness of the selection of the number, identification pair, PIN-code or electronic card details; checking whether the merchant accepts the card for the payment and settlement operation or not.
A proxy server (from the English - "a server providing authority") is a control computer of a computer network (server) that automatically authorizes users (cardholders or subscribers) using a secret key (PIN or password) and gives permission to access and work with computer information.
Firmware - software (a set of computer programs) stored in the memory of an integrated microcircuit.
Flash - write any data into the memory of an integrated microcircuit; the same as "alter".
Plastic card / card / plastic - a plate of standard sizes 85.6 x 53.9 x 0.76 mm, made of plastic, resistant to mechanical and thermal influences,
Payment system - an association of banks and companies working according to the general rules for the use of cards. The basis of the payment system is a set of regulatory, contractual, financial and information and technical means, as well as decisions of participants that regulate their relationships regarding the procedure for using cards. There are several membership statuses in the payment system: full, partial, etc. All cards that belong to one payment system have signs that allow identifying their belonging to this payment system.
Pornic is a porn site.
A reanimator is a criminal who specializes in counterfeiting (“recharging”) cards with a fixed purchasing power.
Real carding- using information from someone else's bank card in real stores. As a rule, dumps recorded on plastic are used for this.
Reader - a device for reading a magnetic strip of a bank card.
Sima, Simka - SIM card.
Drain from a card - withdraw money from a card - from a special card account or transfer it to another (as a rule, your own) bank account; commit the theft of money using someone else's plastic card or its details.
Scan - a scanned document, photo, bank card, etc.
Slip is a check issued by a POS terminal.
Smart card- a bank card with a chip, a credit card with a built-in microprocessor, which has a high level of security and the ability to carry out multicurrency payments.
Socks (Sоcks-proxy) - an intermediary server between your computer and the final site, used to hide the IP.
Spam is a large-scale distribution of letters by e-mail.
Trading - trade, exchange of stolen confidential information about the details of plastic cards and their holders. For example, "I give you a spam list for 3 million users, and you give me 10 valid credits with cvv2."
Tipper is a device for staining embossed symbols.
Transaction- a set of operations of interaction between the cardholder and the processing center (bank) when making a payment with a card or when receiving cash. The transaction changes the state of the cardholder's card account.
Track (Road) - part of the dump with specific information each. 1st track - information about the cardholder, 2nd track - information about the cardholder, about the bank that issued the card, and so on, 3rd track - one might say, spare, used by stores to award points and other things.
Track - one of the tracks on the magnetic stripe of the bank card in the form of a text file, there are 3 of them.
Fake shop- a virtual pseudo shop designed for fraudulent transactions with bank card details and personal data of their holders (like "fly-by-night firms").
Fraud (scam) - illegal transactions carried out using plastic cards and their details.
Chargeback is a withdrawal by a bank (cardholder) of a payment in respect of which there are doubts.
Clean or "laundered" goods / money - money or goods, the illegal acquisition of which cannot be traced;
Elite (elyte) - professional carder, "authority".
Acquire is a bank or other financial institution that has entered into an agreement with a trade organization to accept payment cards and is responsible for paying the bills of cardholders.
Embosser - a device for extruding symbols on plastic, namely, such as:
Enroll - connection of a credit card (account) with the Internet with the ability to recognize and change data via the Internet.
Use - do it.
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ABA Routing Number is a unique nine-digit number, usually placed at the bottom of the check before the account number (surrounded by colons). Allows you to unambiguously determine the bank where the amount for which the check is drawn is located.
Access Control Cards - access control system card, pass. Plastic cards used to organize access to premises are usually in the form of magnetic stripe cards or contactless smart cards.
Acquirer (Acquiring Bank)- a bank or financial institution that carries out the whole range of operations for interaction with points of service of bank cards, which consists of terminals in the trade and service network and ATMs. Upon receipt of data on operations performed in the network, the acquirer sends them to the system for making appropriate calculations. The acquirer is responsible for refunds to merchants where purchases were made or services were paid for using cards.
Address Verification Service (AVS) is the operation of verifying the address where the invoice for the purchased item is received.
Adult - a porn site or site with content for adults.
American Express (AmEx) is an international payment system, the card number starts with 34 or 37 and consists of 15 digits.
Approval- confirmation, a code sent by the issuing bank to confirm that the buyer's plastic card exists, is usable and the requested amount is within the allowed limit. Confirmation is requested during the authorization operation.
Authentication - Technology of identification in the automated information system
Authorization - authorization, payment request. The authorization process blocks the money in the account, reducing the amount free for spending. To make a withdrawal, you must complete the authorization process. If, within the time specified by the issuer, the authorization process is not completed, it is canceled and the previously blocked amount is released for spending.
Authorization Code- authorization code. A code, consisting of letters and numbers, sent by the issuing bank (Card Issuer), confirming the authorization. The authorization code must be included in the Sales Draft issued by the seller.
Automated Teller Machine (ATM) is a device designed to receive cash using a plastic / smart card. Same as ATM.
Batch is a set of transactions saved for simultaneous payment, which usually happens once a day. Batch can be completed either automatically or using a POS terminal.
Batch Processing is a type of data processing in which a certain set of transactions is processed at a time.
Billing Address is actually the address to which the invoice for the purchased goods is received.
Card Issuer- an organization responsible for the issuance and maintenance of plastic cards.
Capture is a decision to present a specific transaction for payment. All transactions submitted for payment are included in the Batch and sent to the payment processor or payment gateway.
Card number - card number - a unique set of numbers applied to the card as a result of embossing, as well as recorded in memory on a magnetic stripe or in a microcircuit.
Card owner - the cardholder is the organization that issued the bank card.
Card Unblocking is the opposite of Card Blocking.
Card-Not-Present- a situation when the seller is unable to see the buyer, and the plastic card is physically inaccessible to him, that is, he is unable to read information from the magnetic stripe, check the signature, view the hologram, etc. To improve the reliability of payment in this case, the Address Verification Service system is used.
CC number - Credit card number (cc - abbreviation: credit card).
Certification Authority is an organization that is trusted to issue public key certificates.
Chargeback- payment refund operation. The amount that is deducted from the merchant's account at the request of the owner of the plastic card. If the correctness of the cardholder is recognized, the payment amount plus the charge for ChargeBack (Chargeback Fee) is deducted from the merchant's account. The ChargeBack operation is initiated by the issuer after the acquirer has completed the transaction.
Chargeback Reason Code is a two-digit number that encodes the reason for the return of the payment.
Check Guarantee is a method that guarantees payment of a check within the amount set for a specific account.
Chip Сard - smart card (also IC - integrated circuit card) - A plastic card that contains a microprocessor capable of storing "electronic money".
Commerce Server - an internet server connected to the payment processor, which has everything necessary to accept them: software that stores information about all purchases and the total price, a database, etc. Commerce Server usually allows you to establish a connection over one of the secure protocols, such as SSL.
Confirmation Letter is an e-mail sent to the merchant by the payment processor containing information about the Batch files submitted to the processor.
Corporate card - corporate card - a bank card that allows its holder to carry out transactions on the account of a legal entity. A legal entity bears responsibility to the bank for this account.
Credit Card- a plastic card showing that a loan has been opened for its owner in the issuing organization. This allows the owner to make purchases or receive money from an ATM within the maximum limit established by the agreement between the holder and the issuer.
Credit Card Processors (Third Party Processors) - An organization usually hired by an acquiring bank to provide payment processing services.
CVC2 / CVV2 - the last three digits of the bank card number, which are calculated using the DES encryption algorithm using the secret key of the issuing bank and establish the mathematical dependence of the card number on its validity period.
CVV (Card verification value) - a verification value for the card number, located in the dump.
CVV2 / CVC2 is a three-digit control number printed on the back of a bank card. This number is displayed in the upper right corner of the special signature field. Entering the number helps to ensure that the card is used by the real owner. CVV2 classification is used for VISA cards. CVC2 classification is used for MasterCard cards.
Сlose Batch - transfer of transactions with authorization codes to the payment processor in order to transfer money to the merchant's account.
Debit Card is a debit bank card. Unlike a credit card, the amount spent by the buyer is automatically deducted from his account. Debit card payments usually require a PIN.
Decline - the operation of the issuer's refusal to authorize the payment.
Demand Deposit Account (DDA) - a standard account (checking account) where funds can be transferred.
Deposit - the moment when the seller forms (closes) the Batch file and sends transactions to complete.
Deposit Bank is the bank where the seller's money, withdrawn from the buyers' card accounts, is sent.
Digital Signature - digital signature. A sequence of characters, obtained by means of asymmetric cryptography (Public Key Cryptography), attached to the message and confirming its authenticity.
Digital wallet- digital wallet. A program for paying for goods by credit card. Before buying something, the customer registers with the payment gateway, receives a username and password, and then can make a purchase on any website that supports this type of digital wallet.
Discount Rate - the percentage charged by the acquiring bank from the seller for each purchase.
DL - driver's license.
E-Commerce - e-commerce, a certain type of activity carried out using electronic means of communication.
eBay - the name of the online auction eBay.
Electronic Cash Register (ECR)- an electronic cash register, in other words, a combination of a cash register and a POS terminal. Often ECR is a software application installed on a personal computer
Electronic Data Capture - the use of a POS terminal to authorize and transfer transactions to a bank card processor or other MAP. The role of a POS terminal can be played by special software or a Payment Gateway.
Electronic Data Interchange (EDI) is a global computer network, separated from the Internet, used by banks and other financial institutions to process payments.
Electronic Draft Capture (EDC)- a system in which transactions are transferred from different places to a central computer (Host Computer) for storage and processing. The accumulated transactions over the period are then passed on to the payment processor.
Electronic Money (e-money) - digital cash. Stored electronically in computers or microprocessors. At the disposal of the buyer. Digital cash can be purchased and stored in a special storage device.
Electronic Purse is a smart card that stores digital cash. This card allows you to spend electronic cash, creates a record of each payment and allows you to transfer money from a bank account to digital cash.
EMV-specification- uniform international requirements for microprocessor cards, describing the requirements for the card, terminal and the process of information exchange between the card and the terminal.
Encoding - encoding, the process of writing information to a magnetic stripe or memory chip of a smart card.
Expiration date (e.d., exp. date) - the expiration date of the card, it is on the card itself and in the dump.
Factoring - A situation where your own Merchant Account is used to receive additional payments for another merchant. Factoring is considered an illegal operation. To legalize Factoring, special legal schemes are needed.
Floor limit - if the price of the goods is below the Floor Limit, the seller can do without authorization (making sure that the card is not included in the list of lost or stolen). The Floor Limit is usually set by the issuer.
Front-End - information that the buyer sees on the seller's website. Front-End allows the shopper to interact with the e-cart, database, and pay for purchases.
Gold credit card - a gold credit card is a prestigious payment card that provides the holder with priority status, a high credit limit, automatic insurance and other privileges.
Holdback (Reserve Account)- part of the funds received by the merchant from card payments, blocked by the acquirer or another MAP in order to cover the costs of chargeback and other controversial payments. After a certain period of time, the Holdback is returned to the seller.
Host Capture - automatic creation of a Batch file in a payment processor or payment gateway.
Host Computer - the computer that performs authorization and termination.
Imprint - reading card parameters. It can be electronic (via a POS terminal) or manual (obtaining an imprint of a card using an imprinter). Imprint is required to prove the physical presence of the card at the place of purchase.
Interchange - the flow of information between the issuer and the acquirer, for example, transactions, returns, etc.
Interchange Fee- the commission that the acquiring bank pays to the issuing bank for each transfer operation from a bank card. This commission is part of Discount Fee.
IP - Internet address, consists of four numbers separated by a period, each of which can be from 0 to 255. Identifies the user's location.
ISO (Independent Service Organization) is an organization that helps merchants accept payments by plastic cards. Merchants should usually already have an open Merchant Account before working with ISO.
Key - a key, a set of numbers used in a cryptographic algorithm.
Key length - the length of the key (Key), measured in bits.
Limited-purpose prepaid card- a smart card that can be used only at strictly defined points of sale of goods or services.
Load Log - a record of the last load of digital cash into a digital wallet.
Local Review - the merchant's ability to see the contents of the Batch file from their terminal or ECR before or after the completion of the transaction.
Locking (Card Blocking) - blocking a smart card, preventing its further use.
Magnetic Stripe - magnetic stripe. It is located on the back side of a plastic card and contains encoded information about the card account associated with this card.
Manual Entry (Keyed Entry) - operation of manual input of card parameters from a computer keyboard or POS-terminal.
MasterCard- international payment system, card numbers start with 5.
Member - financial institution - member of the international payment system association.
Merchant ((merch) is a legal entity that accepts payments by plastic cards.
Merchant Account is a unique identification number of a merchant / service enterprise in the payment system, which allows you to accept payments by bank cards. By registering a Marchant Account, the bank agrees to pay the merchant / service provider for correct transactions (purchases) in exchange for withdrawing funds from buyers' accounts with issuing banks.
Merchant Account Provider (MAP) - the organization that opens the Merchant Account.
Merchant Agreement- a written agreement between the seller and the bank (possibly between the seller, bank and ISO), establishing the rights, obligations and guarantees of the parties in the process of accepting card payments.
Merchant Bank - the bank where the Merchant Account is opened.
Merchant Category Code - the code assigned by the acquiring bank to the merchant. This code, usually consisting of four digits and sometimes called the Sic Code, reflects the main activity of the seller.
Micropayment is a micropayment, a very small amount, perhaps less than a cent.
MID (Merchant Identification Number) is a number that uniquely identifies the merchant in the payment system.
MO - Money Order.
Monthly Minimum- the minimum monthly fee that is deducted from the seller for accepting payments by plastic cards.
MOTO Discount Rate (Mail Order / Telephone Order) is a commission charged by the acquirer from each transaction in the event that the merchant does not have access to the card itself, knowing only its parameters communicated to him by phone, fax or the Internet.
Non-Qualified - designation of a transaction characterized by an increased risk (for example, in the case when a transaction is carried out using the transfer of bank card parameters when it is physically impossible to access it).
Off-line - designation of the state of the system when there is no direct connection between the participants of the payment system.
On-line- designation of the state of the system, when before the execution of the transaction there is a connection with the central computer for authorization in real time.
Open To Buy - the amount of credit currently available to the owner of the
PAN card account - the bank card number, most often 16-digit.
Payment Gateway is a payment gateway. Typically an Internet server with software installed on it that connects the merchant's web server to the payment processor.
Payment System - payment system. A set of banking procedures and interbank money transfer systems.
Pc Pos Application- a computer software application that combines any two functions from the list: cash register, value accounting, accounting software, software for authorizing and accepting payments by credit cards.
PIN (Personal Identification Number) is a digital or alphanumeric code available only to the cardholder. It is used for operations with a card account linked to a given bank card.
POS Terminal (Point of Sale) is an electronic device used to authorize and process payments with a bank card.
POS terminal is an electronic device that allows reading information from a magnetic stripe or a card chip and communicating with the bank for authorization in order to carry out transactions with a bank card.
Post Authorization is a transaction preceded by voice authorization.
Prepaid card - a card with a prepaid amount - a smart card that stores electronic money prepaid by the cardholder.
Prior Authorized Sale - a transaction for which authorization is performed first. The merchant will authorize the card before providing the product / service.
Private Key is a private key that only its owner should have access to. The public key corresponds to the private key.
Processor - a payment processor, a computer center that performs operations for processing payments on bank cards
Public Key - a public key, an unclassified part of a pair of two keys in asymmetric cryptography
Public Key Certificate - public key certificate. Public key information, usually including the key itself, digitally signed by an individual or organization. A certificate protects the integrity of a key if the person or organization that signed it is well known and their public keys are widely available.
Public Key Cryptography is an encryption scheme that does not require a confidential channel to establish confidential communication. To send a confidential message, only the recipient's public key is needed, which will decrypt the received message with his secret key.
Public Key Encryption- an encryption method designed to overcome the main disadvantage of symmetric cryptography - the need to have a reliable channel for transmitting the key to the addressee.
Real-Time Processing - the process of processing payments in real time, when the verification and processing of the card payment immediately follows the purchase. Real-time verification usually takes several tens of seconds.
Receipt - a check containing a description of a purchase by a bank card, usually includes the following information: date, name and address of the seller, amount, unique number and authorization code.
Recurring Fees - regular, usually monthly payments for using a Merchant Account. Includes Discount Rate, Transaction Fee, Statement Fee, and Monthly Minimum.
Recurring Transaction- periodic withdrawal of money from the buyer's account, taking place on the basis of an agreement concluded between the buyer and the trade / service company.
Retrieval Request (Copy Request) - a requirement for the seller to submit documentation about a specific transaction. Usually comes from the issuing bank in controversial cases where the cardholder disputes the transaction.
SalesCart is an e-commerce package integrated with Microsoft FrontPage to enable online shopping.
Secure Server - a secure server that allows you to establish a secure connection with the browser using SSL or SET
Session Key- a key for symmetric encryption, which is used for a limited time, more often for one secure connection, for example, over the SSL protocol.
SET (Secure Electronic Transaction) is a system for ensuring the security of payment by bank cards, developed by VISA, MasterCard, Microsoft and several leading banks, based on public key encryption of information associated with card parameters and the separation of information between transaction participants in such a way that none of the participants in the settlement possesses the information in full. With the SET standard, a buyer and a seller can uniquely identify each other by exchanging digital SET certificates.
Settlement (Draft Capture)- payment completion process, when transactions are sent along with authorization codes to the payment processor to transfer funds to the merchant.
Setup Fee - a one-time fee charged for opening a merchant / service company identification number in the payment system (Merchant Account).
Shopping - shopping trip (clothing carding).
Shopping Cart Program is an electronic cart. An application launched on the Internet site, designed to collect data about a product / service that a visitor intends to purchase.
SIC Code - Standard Industry Classification code. This is a four-digit number that identifies the type of activity.
Smart Card- a plastic card, inside which there is a microprocessor capable of performing calculations. Smart-card is designed for payment and identification operations.
SSN (social security number) is a number given to every US resident for convenient taxation and tracking credit history.
SSL (Secure Socket Layer)- protocol for secure communication over the Internet. The basis of the SSL protocol is a two-key cryptography method, which uses public key certificates of users (client and server) to authenticate the interacting parties and generate a common encryption key, digitally signed by special certification authorities. Thanks to servers that support the SSL protocol, the user who loads the site can be sure in three main points:
Statement Fee - fixed recurring fee for using the Merchant Account.
Surcharges - additional charge for accepting bank card payments.
Swipe Discount Rate - the percentage charged by the acquirer from the merchant for each withdrawal of funds from a bank card physically available to the merchant.
Swiped Card is a card, information from which is automatically entered using a POS terminal.
Symmetric Cryptography - Symmetric or private key cryptography. A cryptographic algorithm that uses the same key to encode and decode.
Terminal Capture- a kind of accepting card payments, when information about transactions is stored on the merchant's computer, and the latter manually forms a Batch from them and then sends it for payment.
Third Party Processor is a company not owned by the payment association VISA or MasterCard, hired by the acquirer to carry out authorizations and payments with plastic cards.
Ticket Only is a purchase for which voice authorization is used.
Transaction - any interaction between a buyer and a seller that affects the state of the buyer's card account.
Transaction Fee is a fixed fee charged to the seller for each purchase (usually in addition to the Discount Rate).
Transaction File (Vendor File) - a file in which the payment processor places all transactions carried out for the previous day.
Transaction Log - transactions recorded in the order they were committed.
Valid date - the date of validity - the number imprinted on the bank card, from which the card becomes valid.
VISA is an international payment system, card numbers start with 4.
Voice Authorization - voice authorization. It is used when there is no suitable device for authorization, for example, a POS terminal.
Void - the buyer's refusal to pay after the authorization of the card belonging to him has been successfully completed. Transactions marked as Void are not included in Batch and will not be charged for further payment.
Payment systems and their abbreviations in carding
There is nothing complicated about carding with payment systems. As a rule, no special abbreviations or incomprehensible slang words.
Bitcoin (BTC) is a cryptocurrency. Has many wallets.
WU / Western Union - international money transfer system.
QIWI is an Internet payment system.
YandexMoney / YAD / YooMoney is an Internet payment system from the search engine Yandex.
WebMoney / WM / WebMoney is an Internet payment system.
PayPal / Stick / Palka - PayPal money transfer system.
MG - Money Gramm.
BidPay- a payment system that allows a person who bought something at an auction to pay for their purchase. This is a payment system that allows you to make MO without any problems using a card.
MoneyGramm is a fast money transfer system.
Carding Dictionary - Common Abbreviations and Definitions
Next is a list of words, vocabulary of carding, which are often used in the world of carding. All words are arranged alphabetically.
Authorization - checking and determining the authority to perform certain actions. Permission granted by the issuer to conduct a transaction using a bank card. During the authorization process, data about the card and the requested amount are transferred to the issuing bank, where the status of the client's account is checked.
Acc (ac, ak) - account.
ATM / ATM / cash machine is a tamper -resistant bank security device designed for:
- Issuance and acceptance of cash.
- Drawing up documents on transactions using bank cards.
- Issuing information on the account.
- Making non-cash payments, etc.
Auk (auc)- abbreviated. from auction.
BIN (from English "bank identification number (BIN)") is a 4-digit number intended for identification of issuing banks of payment and settlement cards in the payment system. As a rule, the first four digits in the bank card number coincide with the BIN of its issuer.
Issuing bank - the bank that issued the bank card. Also called Issuer (Issuing Bank) - an issuer, a bank that issues bank cards and opens card accounts for individuals and legal entities.
White plastic- in carding, this means a piece of clean plastic on which information is applied.
Wire transfer - bank transfer.
Valid card (from the English "VALID") - valid or valid card; genuine card; identification details of a valid or genuine card.
Validity (from the English "VALID THRU" - "valid until ...") - card validity period.
Introducer - a member of an organized group of employees of a merchant, acquirer or issuer.
Generator is a malicious computer program that generates digital identification details (conventional and electronic) of plastic cards (as a rule, an identification pair).
Hologram- a holographic sticker applied by pressing into the card under high temperature. The hologram serves as an additional degree of protection against crafts and is a mandatory attribute of bank cards.
Dirt, dirty money or goods - in carding, this is money or goods, the illegal acquisition of which can be traced.
Dump - information from the magnetic stripe of a bank card. Used for recording on plastic of a certain standard for further use in the store, written on the magnetic stripe of the card, consists of 1,2 or 3 tracks.
Debit card - a card that can only be used up to the amount available on the account.
Drop guide (Drovopod, Drop Service) - the person who manages the drops creates networks of drops for better quality / mass cash withdrawal.
Drop is a person who takes on a part of the work, usually in cash out of money. Accepts money transfers, provides an account for transactions by other people, etc. As a rule, on carding forums or other hot places they offer drop jobs. Such people are flooded with money to cash out.
Iron - computer hardware; electronic terminal without software; equipment for counterfeiting plastic cards (personalizer, printer, embosser, laminator, etc.).
Infa (info) - information, information about something.
Internet carding - using data from someone else's bank card to carry out all kinds of transactions on the Internet in order to receive money.
Carding - illegal activity in the sphere of circulation of plastic cards and their numbers; performing any specific actions on someone else's plastic cards or their numbers.
Coder - a technical device for recording computer data (electronic details) on the magnetic stripe of the card.
Coding - recording of computer data (electronic details) on the magnetic stripe of the card.
Codes (codez) - codes of access to confidential information of the database of a virtual store, acquiring bank or issuer, or to a protected object; Pin; an algorithm for "hacking" protection against unauthorized access to computer information or to a protected object.
Code grabber is a malicious computer program that picks up a secret key, password or access code to the software of an electronic terminal or a database of a merchant, acquirer, or issuer to carry out an operation using a plastic card or steal confidential data.
Corder is a criminal who specializes in counterfeiting magnetic stripe cards.
Creda - a credit or other bank card or information about it.
Crypt (cript)- cryptographic data conversion algorithm; a program for generating identification pairs and other digital identification details of bank cards.
Crack - "hacking" means of protection against unauthorized access to confidential computer information contained on a plastic card or client database of a virtual store, acquiring bank or issuer.
Carders (from the English "card") - professional criminals specializing in illegal activities in the field of circulation of plastic cards and their electronic details.
Carder is a person who uses information from someone else's bank card to receive money.
Carding - getting money by using information from someone else's bank card.
Card (cardboard, potatoes, CC, SS, Credit Card, Debit Card) - bank card number. Used for online shopping. Happens with and without cvv2 code.
Cardholder - a holder of a bank card, an individual or legal entity.
Card printer - a printer for printing information (pictures) on a card.
Ripper (aka Scammer) - a person who threw one of the carders.
Credit card - a card that you can use to buy on credit, i.e. not having enough money on the account. The amount of the loan is determined by the issuing bank.
Lamer (lamo, lamot, lam3r) - card holder or virtual store client - potential victim; novice carder.
Laminator - a device for covering bank cards with a protective film.
Dead card- a card of no value; a card with which, for whatever reason, it is impossible to carry out transactions (wanted, blocked, transactions on which are monitored by law enforcement agencies, etc.); a card that cannot be faked.
Merchant is a trading account to which money is received for the goods sold, an online trading system.
Soap - E-mail, e-mail address.
Credit number - any identification number of the card; identification pair of the card; electronic card details.
Order - order goods in a virtual store using bank card details.
Wash the card - in carding, it means transferring money from a card - from a special card account to another account, using a whole chain of intermediate accounts and payment systems; hide ("sweep") the traces of the stolen money.
Cash out / pour - converting stolen / dishonestly earned money into cash.
Laundering - the transformation of "dirty" money into "clean" money, that is, those whose illegal origin is impossible or extremely difficult to trace and prove; breaking the connection between money and its illegal origin.
Patch - make changes to the electronic details of the card or computer program or a change in the electronic property of the card or computer program. Change, reprogram the computer data (electronic details) contained on the integrated microcircuit of the card.
PIN (from the English "personal identification number") - PIN-code: a secret key of an electronic digital signature issued to the user (cardholder, subscriber) of a computer network or telecommunications for his identification and providing access to computer information. Not to be confused with CVV2, which is usually located on the back of the card.
Validity check - check for the correctness of the selection of the number, identification pair, PIN-code or electronic card details; checking whether the merchant accepts the card for the payment and settlement operation or not.
A proxy server (from the English - "a server providing authority") is a control computer of a computer network (server) that automatically authorizes users (cardholders or subscribers) using a secret key (PIN or password) and gives permission to access and work with computer information.
Firmware - software (a set of computer programs) stored in the memory of an integrated microcircuit.
Flash - write any data into the memory of an integrated microcircuit; the same as "alter".
Plastic card / card / plastic - a plate of standard sizes 85.6 x 53.9 x 0.76 mm, made of plastic, resistant to mechanical and thermal influences,
Payment system - an association of banks and companies working according to the general rules for the use of cards. The basis of the payment system is a set of regulatory, contractual, financial and information and technical means, as well as decisions of participants that regulate their relationships regarding the procedure for using cards. There are several membership statuses in the payment system: full, partial, etc. All cards that belong to one payment system have signs that allow identifying their belonging to this payment system.
Pornic is a porn site.
A reanimator is a criminal who specializes in counterfeiting (“recharging”) cards with a fixed purchasing power.
Real carding- using information from someone else's bank card in real stores. As a rule, dumps recorded on plastic are used for this.
Reader - a device for reading a magnetic strip of a bank card.
Sima, Simka - SIM card.
Drain from a card - withdraw money from a card - from a special card account or transfer it to another (as a rule, your own) bank account; commit the theft of money using someone else's plastic card or its details.
Scan - a scanned document, photo, bank card, etc.
Slip is a check issued by a POS terminal.
Smart card- a bank card with a chip, a credit card with a built-in microprocessor, which has a high level of security and the ability to carry out multicurrency payments.
Socks (Sоcks-proxy) - an intermediary server between your computer and the final site, used to hide the IP.
Spam is a large-scale distribution of letters by e-mail.
Trading - trade, exchange of stolen confidential information about the details of plastic cards and their holders. For example, "I give you a spam list for 3 million users, and you give me 10 valid credits with cvv2."
Tipper is a device for staining embossed symbols.
Transaction- a set of operations of interaction between the cardholder and the processing center (bank) when making a payment with a card or when receiving cash. The transaction changes the state of the cardholder's card account.
Track (Road) - part of the dump with specific information each. 1st track - information about the cardholder, 2nd track - information about the cardholder, about the bank that issued the card, and so on, 3rd track - one might say, spare, used by stores to award points and other things.
Track - one of the tracks on the magnetic stripe of the bank card in the form of a text file, there are 3 of them.
Fake shop- a virtual pseudo shop designed for fraudulent transactions with bank card details and personal data of their holders (like "fly-by-night firms").
Fraud (scam) - illegal transactions carried out using plastic cards and their details.
Chargeback is a withdrawal by a bank (cardholder) of a payment in respect of which there are doubts.
Clean or "laundered" goods / money - money or goods, the illegal acquisition of which cannot be traced;
Elite (elyte) - professional carder, "authority".
Acquire is a bank or other financial institution that has entered into an agreement with a trade organization to accept payment cards and is responsible for paying the bills of cardholders.
Embosser - a device for extruding symbols on plastic, namely, such as:
- Card number;
- Card validity date;
- Cardholder Name;
- Bank's name;
- other.
Enroll - connection of a credit card (account) with the Internet with the ability to recognize and change data via the Internet.
Use - do it.
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ABA Routing Number is a unique nine-digit number, usually placed at the bottom of the check before the account number (surrounded by colons). Allows you to unambiguously determine the bank where the amount for which the check is drawn is located.
Access Control Cards - access control system card, pass. Plastic cards used to organize access to premises are usually in the form of magnetic stripe cards or contactless smart cards.
Acquirer (Acquiring Bank)- a bank or financial institution that carries out the whole range of operations for interaction with points of service of bank cards, which consists of terminals in the trade and service network and ATMs. Upon receipt of data on operations performed in the network, the acquirer sends them to the system for making appropriate calculations. The acquirer is responsible for refunds to merchants where purchases were made or services were paid for using cards.
Address Verification Service (AVS) is the operation of verifying the address where the invoice for the purchased item is received.
Adult - a porn site or site with content for adults.
American Express (AmEx) is an international payment system, the card number starts with 34 or 37 and consists of 15 digits.
Approval- confirmation, a code sent by the issuing bank to confirm that the buyer's plastic card exists, is usable and the requested amount is within the allowed limit. Confirmation is requested during the authorization operation.
Authentication - Technology of identification in the automated information system
Authorization - authorization, payment request. The authorization process blocks the money in the account, reducing the amount free for spending. To make a withdrawal, you must complete the authorization process. If, within the time specified by the issuer, the authorization process is not completed, it is canceled and the previously blocked amount is released for spending.
Authorization Code- authorization code. A code, consisting of letters and numbers, sent by the issuing bank (Card Issuer), confirming the authorization. The authorization code must be included in the Sales Draft issued by the seller.
Automated Teller Machine (ATM) is a device designed to receive cash using a plastic / smart card. Same as ATM.
Batch is a set of transactions saved for simultaneous payment, which usually happens once a day. Batch can be completed either automatically or using a POS terminal.
Batch Processing is a type of data processing in which a certain set of transactions is processed at a time.
Billing Address is actually the address to which the invoice for the purchased goods is received.
Card Issuer- an organization responsible for the issuance and maintenance of plastic cards.
Capture is a decision to present a specific transaction for payment. All transactions submitted for payment are included in the Batch and sent to the payment processor or payment gateway.
Card number - card number - a unique set of numbers applied to the card as a result of embossing, as well as recorded in memory on a magnetic stripe or in a microcircuit.
Card owner - the cardholder is the organization that issued the bank card.
Card Unblocking is the opposite of Card Blocking.
Card-Not-Present- a situation when the seller is unable to see the buyer, and the plastic card is physically inaccessible to him, that is, he is unable to read information from the magnetic stripe, check the signature, view the hologram, etc. To improve the reliability of payment in this case, the Address Verification Service system is used.
CC number - Credit card number (cc - abbreviation: credit card).
Certification Authority is an organization that is trusted to issue public key certificates.
Chargeback- payment refund operation. The amount that is deducted from the merchant's account at the request of the owner of the plastic card. If the correctness of the cardholder is recognized, the payment amount plus the charge for ChargeBack (Chargeback Fee) is deducted from the merchant's account. The ChargeBack operation is initiated by the issuer after the acquirer has completed the transaction.
Chargeback Reason Code is a two-digit number that encodes the reason for the return of the payment.
Check Guarantee is a method that guarantees payment of a check within the amount set for a specific account.
Chip Сard - smart card (also IC - integrated circuit card) - A plastic card that contains a microprocessor capable of storing "electronic money".
Commerce Server - an internet server connected to the payment processor, which has everything necessary to accept them: software that stores information about all purchases and the total price, a database, etc. Commerce Server usually allows you to establish a connection over one of the secure protocols, such as SSL.
Confirmation Letter is an e-mail sent to the merchant by the payment processor containing information about the Batch files submitted to the processor.
Corporate card - corporate card - a bank card that allows its holder to carry out transactions on the account of a legal entity. A legal entity bears responsibility to the bank for this account.
Credit Card- a plastic card showing that a loan has been opened for its owner in the issuing organization. This allows the owner to make purchases or receive money from an ATM within the maximum limit established by the agreement between the holder and the issuer.
Credit Card Processors (Third Party Processors) - An organization usually hired by an acquiring bank to provide payment processing services.
CVC2 / CVV2 - the last three digits of the bank card number, which are calculated using the DES encryption algorithm using the secret key of the issuing bank and establish the mathematical dependence of the card number on its validity period.
CVV (Card verification value) - a verification value for the card number, located in the dump.
CVV2 / CVC2 is a three-digit control number printed on the back of a bank card. This number is displayed in the upper right corner of the special signature field. Entering the number helps to ensure that the card is used by the real owner. CVV2 classification is used for VISA cards. CVC2 classification is used for MasterCard cards.
Сlose Batch - transfer of transactions with authorization codes to the payment processor in order to transfer money to the merchant's account.
Debit Card is a debit bank card. Unlike a credit card, the amount spent by the buyer is automatically deducted from his account. Debit card payments usually require a PIN.
Decline - the operation of the issuer's refusal to authorize the payment.
Demand Deposit Account (DDA) - a standard account (checking account) where funds can be transferred.
Deposit - the moment when the seller forms (closes) the Batch file and sends transactions to complete.
Deposit Bank is the bank where the seller's money, withdrawn from the buyers' card accounts, is sent.
Digital Signature - digital signature. A sequence of characters, obtained by means of asymmetric cryptography (Public Key Cryptography), attached to the message and confirming its authenticity.
Digital wallet- digital wallet. A program for paying for goods by credit card. Before buying something, the customer registers with the payment gateway, receives a username and password, and then can make a purchase on any website that supports this type of digital wallet.
Discount Rate - the percentage charged by the acquiring bank from the seller for each purchase.
DL - driver's license.
E-Commerce - e-commerce, a certain type of activity carried out using electronic means of communication.
eBay - the name of the online auction eBay.
Electronic Cash Register (ECR)- an electronic cash register, in other words, a combination of a cash register and a POS terminal. Often ECR is a software application installed on a personal computer
Electronic Data Capture - the use of a POS terminal to authorize and transfer transactions to a bank card processor or other MAP. The role of a POS terminal can be played by special software or a Payment Gateway.
Electronic Data Interchange (EDI) is a global computer network, separated from the Internet, used by banks and other financial institutions to process payments.
Electronic Draft Capture (EDC)- a system in which transactions are transferred from different places to a central computer (Host Computer) for storage and processing. The accumulated transactions over the period are then passed on to the payment processor.
Electronic Money (e-money) - digital cash. Stored electronically in computers or microprocessors. At the disposal of the buyer. Digital cash can be purchased and stored in a special storage device.
Electronic Purse is a smart card that stores digital cash. This card allows you to spend electronic cash, creates a record of each payment and allows you to transfer money from a bank account to digital cash.
EMV-specification- uniform international requirements for microprocessor cards, describing the requirements for the card, terminal and the process of information exchange between the card and the terminal.
Encoding - encoding, the process of writing information to a magnetic stripe or memory chip of a smart card.
Expiration date (e.d., exp. date) - the expiration date of the card, it is on the card itself and in the dump.
Factoring - A situation where your own Merchant Account is used to receive additional payments for another merchant. Factoring is considered an illegal operation. To legalize Factoring, special legal schemes are needed.
Floor limit - if the price of the goods is below the Floor Limit, the seller can do without authorization (making sure that the card is not included in the list of lost or stolen). The Floor Limit is usually set by the issuer.
Front-End - information that the buyer sees on the seller's website. Front-End allows the shopper to interact with the e-cart, database, and pay for purchases.
Gold credit card - a gold credit card is a prestigious payment card that provides the holder with priority status, a high credit limit, automatic insurance and other privileges.
Holdback (Reserve Account)- part of the funds received by the merchant from card payments, blocked by the acquirer or another MAP in order to cover the costs of chargeback and other controversial payments. After a certain period of time, the Holdback is returned to the seller.
Host Capture - automatic creation of a Batch file in a payment processor or payment gateway.
Host Computer - the computer that performs authorization and termination.
Imprint - reading card parameters. It can be electronic (via a POS terminal) or manual (obtaining an imprint of a card using an imprinter). Imprint is required to prove the physical presence of the card at the place of purchase.
Interchange - the flow of information between the issuer and the acquirer, for example, transactions, returns, etc.
Interchange Fee- the commission that the acquiring bank pays to the issuing bank for each transfer operation from a bank card. This commission is part of Discount Fee.
IP - Internet address, consists of four numbers separated by a period, each of which can be from 0 to 255. Identifies the user's location.
ISO (Independent Service Organization) is an organization that helps merchants accept payments by plastic cards. Merchants should usually already have an open Merchant Account before working with ISO.
Key - a key, a set of numbers used in a cryptographic algorithm.
Key length - the length of the key (Key), measured in bits.
Limited-purpose prepaid card- a smart card that can be used only at strictly defined points of sale of goods or services.
Load Log - a record of the last load of digital cash into a digital wallet.
Local Review - the merchant's ability to see the contents of the Batch file from their terminal or ECR before or after the completion of the transaction.
Locking (Card Blocking) - blocking a smart card, preventing its further use.
Magnetic Stripe - magnetic stripe. It is located on the back side of a plastic card and contains encoded information about the card account associated with this card.
Manual Entry (Keyed Entry) - operation of manual input of card parameters from a computer keyboard or POS-terminal.
MasterCard- international payment system, card numbers start with 5.
Member - financial institution - member of the international payment system association.
Merchant ((merch) is a legal entity that accepts payments by plastic cards.
Merchant Account is a unique identification number of a merchant / service enterprise in the payment system, which allows you to accept payments by bank cards. By registering a Marchant Account, the bank agrees to pay the merchant / service provider for correct transactions (purchases) in exchange for withdrawing funds from buyers' accounts with issuing banks.
Merchant Account Provider (MAP) - the organization that opens the Merchant Account.
Merchant Agreement- a written agreement between the seller and the bank (possibly between the seller, bank and ISO), establishing the rights, obligations and guarantees of the parties in the process of accepting card payments.
Merchant Bank - the bank where the Merchant Account is opened.
Merchant Category Code - the code assigned by the acquiring bank to the merchant. This code, usually consisting of four digits and sometimes called the Sic Code, reflects the main activity of the seller.
Micropayment is a micropayment, a very small amount, perhaps less than a cent.
MID (Merchant Identification Number) is a number that uniquely identifies the merchant in the payment system.
MO - Money Order.
Monthly Minimum- the minimum monthly fee that is deducted from the seller for accepting payments by plastic cards.
MOTO Discount Rate (Mail Order / Telephone Order) is a commission charged by the acquirer from each transaction in the event that the merchant does not have access to the card itself, knowing only its parameters communicated to him by phone, fax or the Internet.
Non-Qualified - designation of a transaction characterized by an increased risk (for example, in the case when a transaction is carried out using the transfer of bank card parameters when it is physically impossible to access it).
Off-line - designation of the state of the system when there is no direct connection between the participants of the payment system.
On-line- designation of the state of the system, when before the execution of the transaction there is a connection with the central computer for authorization in real time.
Open To Buy - the amount of credit currently available to the owner of the
PAN card account - the bank card number, most often 16-digit.
Payment Gateway is a payment gateway. Typically an Internet server with software installed on it that connects the merchant's web server to the payment processor.
Payment System - payment system. A set of banking procedures and interbank money transfer systems.
Pc Pos Application- a computer software application that combines any two functions from the list: cash register, value accounting, accounting software, software for authorizing and accepting payments by credit cards.
PIN (Personal Identification Number) is a digital or alphanumeric code available only to the cardholder. It is used for operations with a card account linked to a given bank card.
POS Terminal (Point of Sale) is an electronic device used to authorize and process payments with a bank card.
POS terminal is an electronic device that allows reading information from a magnetic stripe or a card chip and communicating with the bank for authorization in order to carry out transactions with a bank card.
Post Authorization is a transaction preceded by voice authorization.
Prepaid card - a card with a prepaid amount - a smart card that stores electronic money prepaid by the cardholder.
Prior Authorized Sale - a transaction for which authorization is performed first. The merchant will authorize the card before providing the product / service.
Private Key is a private key that only its owner should have access to. The public key corresponds to the private key.
Processor - a payment processor, a computer center that performs operations for processing payments on bank cards
Public Key - a public key, an unclassified part of a pair of two keys in asymmetric cryptography
Public Key Certificate - public key certificate. Public key information, usually including the key itself, digitally signed by an individual or organization. A certificate protects the integrity of a key if the person or organization that signed it is well known and their public keys are widely available.
Public Key Cryptography is an encryption scheme that does not require a confidential channel to establish confidential communication. To send a confidential message, only the recipient's public key is needed, which will decrypt the received message with his secret key.
Public Key Encryption- an encryption method designed to overcome the main disadvantage of symmetric cryptography - the need to have a reliable channel for transmitting the key to the addressee.
Real-Time Processing - the process of processing payments in real time, when the verification and processing of the card payment immediately follows the purchase. Real-time verification usually takes several tens of seconds.
Receipt - a check containing a description of a purchase by a bank card, usually includes the following information: date, name and address of the seller, amount, unique number and authorization code.
Recurring Fees - regular, usually monthly payments for using a Merchant Account. Includes Discount Rate, Transaction Fee, Statement Fee, and Monthly Minimum.
Recurring Transaction- periodic withdrawal of money from the buyer's account, taking place on the basis of an agreement concluded between the buyer and the trade / service company.
Retrieval Request (Copy Request) - a requirement for the seller to submit documentation about a specific transaction. Usually comes from the issuing bank in controversial cases where the cardholder disputes the transaction.
SalesCart is an e-commerce package integrated with Microsoft FrontPage to enable online shopping.
Secure Server - a secure server that allows you to establish a secure connection with the browser using SSL or SET
Session Key- a key for symmetric encryption, which is used for a limited time, more often for one secure connection, for example, over the SSL protocol.
SET (Secure Electronic Transaction) is a system for ensuring the security of payment by bank cards, developed by VISA, MasterCard, Microsoft and several leading banks, based on public key encryption of information associated with card parameters and the separation of information between transaction participants in such a way that none of the participants in the settlement possesses the information in full. With the SET standard, a buyer and a seller can uniquely identify each other by exchanging digital SET certificates.
Settlement (Draft Capture)- payment completion process, when transactions are sent along with authorization codes to the payment processor to transfer funds to the merchant.
Setup Fee - a one-time fee charged for opening a merchant / service company identification number in the payment system (Merchant Account).
Shopping - shopping trip (clothing carding).
Shopping Cart Program is an electronic cart. An application launched on the Internet site, designed to collect data about a product / service that a visitor intends to purchase.
SIC Code - Standard Industry Classification code. This is a four-digit number that identifies the type of activity.
Smart Card- a plastic card, inside which there is a microprocessor capable of performing calculations. Smart-card is designed for payment and identification operations.
SSN (social security number) is a number given to every US resident for convenient taxation and tracking credit history.
SSL (Secure Socket Layer)- protocol for secure communication over the Internet. The basis of the SSL protocol is a two-key cryptography method, which uses public key certificates of users (client and server) to authenticate the interacting parties and generate a common encryption key, digitally signed by special certification authorities. Thanks to servers that support the SSL protocol, the user who loads the site can be sure in three main points:
- The site really belongs to the company that installed the SSL certificate;
- Using a unique "session key", SSL encrypts all information exchanged between the Internet site and its users. This guarantees, at a minimum, that the data transmitted to the server will not be viewed or intercepted by third parties;
- SSL data cannot be partially lost or replaced.
- One of the indicators of secure communication is the address bar of the browser, in which, during a secure connection, the address will begin with https: // instead of the usual http: // with which the addresses of pages that are not protected by the SSL protocol begin.
Statement Fee - fixed recurring fee for using the Merchant Account.
Surcharges - additional charge for accepting bank card payments.
Swipe Discount Rate - the percentage charged by the acquirer from the merchant for each withdrawal of funds from a bank card physically available to the merchant.
Swiped Card is a card, information from which is automatically entered using a POS terminal.
Symmetric Cryptography - Symmetric or private key cryptography. A cryptographic algorithm that uses the same key to encode and decode.
Terminal Capture- a kind of accepting card payments, when information about transactions is stored on the merchant's computer, and the latter manually forms a Batch from them and then sends it for payment.
Third Party Processor is a company not owned by the payment association VISA or MasterCard, hired by the acquirer to carry out authorizations and payments with plastic cards.
Ticket Only is a purchase for which voice authorization is used.
Transaction - any interaction between a buyer and a seller that affects the state of the buyer's card account.
Transaction Fee is a fixed fee charged to the seller for each purchase (usually in addition to the Discount Rate).
Transaction File (Vendor File) - a file in which the payment processor places all transactions carried out for the previous day.
Transaction Log - transactions recorded in the order they were committed.
Valid date - the date of validity - the number imprinted on the bank card, from which the card becomes valid.
VISA is an international payment system, card numbers start with 4.
Voice Authorization - voice authorization. It is used when there is no suitable device for authorization, for example, a POS terminal.
Void - the buyer's refusal to pay after the authorization of the card belonging to him has been successfully completed. Transactions marked as Void are not included in Batch and will not be charged for further payment.
Payment systems and their abbreviations in carding
There is nothing complicated about carding with payment systems. As a rule, no special abbreviations or incomprehensible slang words.
Bitcoin (BTC) is a cryptocurrency. Has many wallets.
WU / Western Union - international money transfer system.
QIWI is an Internet payment system.
YandexMoney / YAD / YooMoney is an Internet payment system from the search engine Yandex.
WebMoney / WM / WebMoney is an Internet payment system.
PayPal / Stick / Palka - PayPal money transfer system.
MG - Money Gramm.
BidPay- a payment system that allows a person who bought something at an auction to pay for their purchase. This is a payment system that allows you to make MO without any problems using a card.
MoneyGramm is a fast money transfer system.
