The Basics of Carding

Carding

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Types of Cards

Each credit card company starts their cards with a different number:

3 – American Express (AMEX)
4 – Visa
5 – MasterCard (MC)
6 – Discover (Disco)

Credit card type - explained

Each card company has their own specific types of cards, here are some of the basics:

Visa
Classic – a universal payment tool, which was adopted worldwide in any locations designated by the logo of Visa, including ATMs, real and virtual stores, and shops offering goods and services by mail and telephone. This card is intended for those who already have experience in the use of bank cards. She also enjoys popularity among consumers of middle-income, as guaranteed convenience, choice and financial flexibility.
Gold – One of the leading products, has been adopted worldwide and allows you to enjoy an impressive financial freedom (aka higher limit)
Platinum – These usually have limits over $10,000 (but remember, just because it has a high limit, doesnt mean it isnt already maxed out
Signature – No preset spending limit – great bin to get
Infinite – Most prestigious card, virtually no limit. Though there are less in circulation so be cautious when buying these, PayPal with reputable sellers!
Business – Used for small to medium sized businesses, usually has a decent limit.
Corporate – Medium to large size businesses, larger limit than Business.
Black – limited membership, $500 annual fee, high end card, no limit

MasterCard
Standard – comparable to visa classic
Gold – comparable to visa gold
Platinum – comparable to visa plat
World – very high limit
World Elite – virtually no limit, high end card.

Amex
Gold – usually around 10k limit
Platinum- usually higher limit, around 35k
Centurion – High limit, 75k+ (also known as the black card, not to be confused with visas black card

How to check CC balance (Skype Method)

This method only working for US & UK CC only

Check your BIN in www.binspro.com . There you will got bank name. For above example BIN (430587) bank is Capital One, USA.
Now search phone number of this bank in google.
For Capital One its +-800-935-9935
Call this number from skype its free since its toll-free number)
Now the automatic robot will ask you few info. Ex. CCN, CVV etc.
Now put your info by using your keyboard.
It will automatically tell you the CC balance.

What is BIN:

EX: CC -

4305873969346315|05|2018|591|UNITED STATES|David Mechanic|23 Stoney Brook Lane|Middleton|MA|01949

The first 6 numbers of CC is the BIN number. – So from the above example the bin is 486236 So now we will collect some info about this BIN.
For that there is so many websites..
I prefer - www.bins.pro or www.binlists.com or www.exactbins.com

Go to above site - enter BIN - Click on Find… You will get result.

Now we can calculate few things from above info.. approx balance, is this bin non vbv or vbv , Bank phone no. from google… etc. etc.

Whats VBV/ NON VBV/ MSC

VBV(Verified by Visa) – Extra verification process initially added by visa, there are different types of authentication used, most notably would be a password, date of birth, social security number, or mothers maiden name. Will send OTP to CC owner mobile No. or need secret Password when doing transaction in any process.

NON VBV (Verified by Visa) – Easy to use. No need of more info about CC like DOB, SSN, MMN. Also no need OTP when doing transaction

MSC (Mastercard Secure Code) – as same as VBV

We always buy NON VBV CC for carding. Cause the shopping site is VBVor NON VBV we dont care, we have NON VBV CC. So no OTP, no AVS, no need SSN etc. NON VBV is not verifired by visa card, you can buy anything with non vbv cards without going thru 3d verification process.

AVS – (Address Verification System)
A system used to verify the identity of the person claiming to own the credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company. This was an attempt to help identity theft and fraud over the internet. This is a system we as carders dont have to worry about since we have the billing address of the credit card holder. I mentioned it since it is good to be aware of it and that almost every site has this system. It emplifies the importance of typing in the address correctly.

OK.. ) think u all know enough to do your first carding… So go to main folder

What is RDP?

Remote Desktop Protocol (RDP) is a proprietary protocol developed by Microsoft, which provides a user with a graphical interface to connect to another computer over a network connection.

By this we can use someone's computer for carding...its optional but recommended for 100% safety.

How to set socks in Mozilla Firefox

Run firefox
Go to Options
Advanced setting
Network
Now the screen will pop up various options like:
1. No proxy; 2.Auto Detect; 3.Use system proxy; 4. Manual proxy configuration.

You mark 4. Manual proxy configuration. Now type in socks host IP you have, example Socks Host: 141.0.8.24 Port: 1080

Press ok and restart firefox. Now you are connected to secure socks5..

When you buy SOCKS, always match with card holder address.
Ex. If CC holder from Newberry, South Calorina, MA, USA then u also buy socks with same address. Atleast matching State, Country

How to Card- mostly common

HOW TO CARD- BASIC/Noob method

From PC

1. Make a email (gmail, hotmail ) with CC matching name. If CC name Hackerz home then make like [email protected]
2. Run Remote Desktop Connection and connect with your RDP Host. if u dont use rdp then do the following steps in your pc
3. Run MAC address changer, change all MAC address.
4. Run CCleaner. Analyze and clean.
5. Set socks5 in Mozzila firefox.
6. Restart Firefox and goto ? www.check2ip.com and check your ip is blacklisted or not & as same as CC holder address.
7. Now open shopping site. I want to recommend a website shop from your country. Why? Because you dont need to wait a lot for you package
8. Register with credit card holder information, name, country, city, address, and email you made one just for this order.
9. Choose your item & add to cart. Never choose big amount first. Try to card small amount item first within $500.
10. In shipping address enter your address or your drop address, where u want to deliver product.
11. Go to payment page, choose Credit Card as payment method
12. Enter your CC details. Like CC Number, CC holder name, CVV/CVV, Exp. Date. Dont copy – paste info. Type it one by one. Cause most site have copy-paste detector script)
13. In Billing address enter CC holder address. Now proceed to payment.
14. Im sure if you do everything right then order will be successfully placed?
15. Wait for order to arrive to your shipping address. When they arrive the corier boy will call you. The ask for any ID card. If you can make fake ID card then good. Otherwise show your any ID card (Adhar Card, Voter ID, College ID card)

Abbrevations

Now let me clear all your doubt about accronyms and terms.

CC (Credit Card)

CCN (Credit Card Number) - Includes the number of the card and expiration date, no name or address.

CVV (Credit Verification Value) / (Card Security Code) / CVV2
The number on the back of the card used for verification purposes. 3 digit number for visa/mc and 4 digit for AMEX (American Express) (There is also CVV1 which is a verification number that is written into the mag stripe on the back of the card that is read when the card is swiped)

Drop- an address where you can send carded goods, not your own house or friend or relatives.

SSN (Social Security Number) – one of the details of CC holder , used to bypass security measures

MMN (Mothers Maiden Name) – Comes in handy when bypassing security measures on VBV/MCSC. One of your security question.

DOB – Date of Birth – Used to bypass some security measures.

COB (Change of Billing) – Some stores will only ship large/high priced items if the shipping and billing info match, these can be obtained through some cvv sellers, usually in the form of a Full

Fulls –You listen many times Fulls/ Fullz. It is nothing but CC Details with more info eg. security question answers, SSN, DOB, MMN, etc. which can be usedfor COB, etc.  AVS (Address Verification Service) – System that checks the billing address entered against the credit card companys
records.

VBV (Verified by Visa) – Extra verification process initially added by visa, there are different types of authentication used, most notably would be a password, date of birth, social security number, or mothers maiden name.

MCSC (MasterCard SecureCode) – MC (MasterCard) adopted this process after VBV came out, basically the same thing but with mastercards.

POS (Point of Sale) – Terminal at a physical shop where the card is swiped/read

Dump – The information that is written onto the magnetic stripe on the back of the card, the only way to get these is with a skimmer, comes in different tracks which ) will not be explaining – a dump would look like 4131980030032319=11101010000000006460

Skimmer – A device that is normally attached to an atm where you insert your card, which records your card information (there are other varients, that is the most common)

Embosser – A device that stamps the cards to produce the raised lettering

Tipper – A device that adds the gold/silver accents to the embossed characters  MSR (Magnetic Stripe Reader/Writer) – Used in the carding scene for writing dumps (and drivers license, student ID) info to blank cards or giftcards (if you want to use blank white
cards, you will need a printer for the card template, embosser/tipper also, which can get costly to buy)

BIN (Bank Identification Number) – The first 6 digits of a card number (this will be gone over in more detail later on)

Novs (Novelty ID / Fake ID) – Commonly used for signing at drops, store pickups, WU Drops, Bank Drops, etc.

VPN (Virtual Private Network ) - This will change your IP to wherever the location is of the VPN server. This is used with a application rather than through your browser as with socks. Watch out as some VPN providers will keep logs. But it leaks our DNS info so it is nt safe

BTC (Bitcoin) – It is a digital currency. Used for buying anything in digital world. You need it to buy CC, SOCKS, VPN etc. You have to exchange your local currency (INR/Dollar etc) to BTC. You can create wallet her www.blockchain.com or www.localbitcoins.com

DROP:

Drop is an address which you use for shipping address in carding. Let me explainů ) am carding with a USA CC. if ) use a USA address as shipping address then order will ship 100% & I will be safe. So we have to manage USA address. If we have friends or relatives then no problem. Otherwise there is lots of website that give drop service. We will order in drop address..this website will receive our products and will send to us.. they will take few charge for it. No need for every shopping sites. For hard security sites only.
 

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LITTLE INTRODUCTION ON CREDIT CARD TYPES

There are many credit card types in the world, such as Visa/Visa Electron, Mastercard, American Express (AMEX), JCB (Japan Credit Bureau), BankCard, China Union Pay, Diners Club Carte Blanche, Diners Club enRoute, Diners Club International, Diners Club US & Canada, Discover, Laser (debit card), Maestro (debit card), Solo (debit card), Switch (debit card). Each of the card types has its own unique 6 prefixs (digits). This is known as IIN (Issuer Identification Number). Credit card digit length are various from 12 - 19 digits, depends on the card type.

Can we make a code to identify a card type?

We can design the algorithm using Luhn algorithm and then code it with almost all programming/webprogramming languages to be a credit card digit validation tool. U can do this with Python, Perl, Delphi, C/C++, VB/VB.NET, PHP, AJAX, etc. I won't explain more about Luhn Algorithm, since it relates with mathematical. And I think you can understand it within several minutes.

Python Script: Validating Credit Card Number - Luhn's Algorithm https://dev.to/anuragrana/python-script-validating-credit-card-number-luhn-s-algorithm-2f7c

UNDERSTANDING MERCHANT ACCOUNT, PAYMENT GATEWAY AND THIRD-PARTY PAYMENT GATEWAY

Now you should have understood yet about credit card type and how to validate it (the digits) using your own great tool.

We'll take a look at the difference between merchant account, payment gateway, and third-party payment gateway.

E-Commerce Merchant Account

An e-Commerce merchant account allows any (or almost) online business (also known as an e-Business or e-Commerce business) to accept credit cards/debit cards, gift cards and other forms of payment cards online based on the CNP (card not present) transaction principals, including MOTO (mail order/telephone order) transactions.

e-Commerce merchant accounts can also be referred to as: online credit card payment accounts, online credit card processing accounts, credit card transaction accounts, and others.

An e-Commerce merchant can get an e-Commerce merchant account from a merchant bank or a merchant service provider in his/her local area (city, state, country) or in another country (offshore/international e-Commerce merchant account).

Payment Gateway

A payment gateway is an e-commerce application service provider service that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.

It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateway protects credit cards details encrypting sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant and also between merchant and payment processor.

Third Party Payment Gateway

Third party processors are what e-Commerce merchants get when getting third party merchant accounts.

Basically, third party processors are connected via an additional secure payment gateway to a direct credit card payment processor.

A third party processor contributes to the work of the direct processor, sharing its expenses, i.e. paying much less.

Many third party processors make up a network of e-Commerce merchants sharing one secure direct merchant account.

The question is maybe: and how it works actually?

Okay, below performs procedures which used by the payment processor gateway to charge customer's credit card until there's full settlement of funding to the merchant.

You should really understand well these procedures.

1️⃣ A customer places order on website by pressing the 'Submit Order' or equivalent button, or perhaps enters their card details using an automatic phone answering service.

2️⃣ If the order is via a website, the customer's web browser encrypts the information to be sent between the browser and the merchant's webserver. This is done via SSL (Secure Socket Layer) encryption.

3️⃣ The merchant then forwards the transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.

4️⃣ The payment gateway forwards the transaction information to the processor used by the merchant's acquiring bank.

5️⃣ The processor forwards the transaction information to the card association (i.e., Visa/MasterCard)

6️⃣ If an American Express or Discover Card was used, then the processor acts as the issuing bank and directly provides a response of approved or declined to the payment gateway.

7️⃣ Otherwise, the card association routes the transaction to the correct card issuing bank.

8️⃣ The credit card issuing bank receives the authorization request and sends a response back to the processor (via the same process as the request for authorization) with a response code. In addition to determining the fate of the payment, (i.e. approved or declined) the response code is used to define the reason why the transaction failed (such as insufficient funds, or bank link not available)

9️⃣ The processor forwards the response to the payment gateway.

1️⃣0️⃣ The payment gateway receives the response, and forwards it on to the website (or whatever interface was used to process the payment) where it is interpreted and a relevant response then relayed back to the cardholder and the merchant.

1️⃣1️⃣ The entire process typically takes 2-3 seconds

1️⃣2️⃣ The merchant must then ship the product prior to being allowed to request to settle the transaction.

1️⃣3️⃣ The merchant submits all their approved authorizations, in a "batch", to their acquiring bank for settlement.

1️⃣4️⃣ The acquiring bank deposits the total of the approved funds in to the merchant's nominated account. This could be an account with the acquiring bank if the merchant does their banking with the same bank, or an account with another bank.

1️⃣5️⃣ The entire process from authorization to settlement to funding typically takes 3 days.

There are many third-party payment gateways in the world today.

I'm sure most of you are familiar with Paypal, WorldPay, Verepay, Authorize.Net, Click2Buy, SagePay, PPI.Inc, 2CheckOut, GoogleCheckout, YahooWallet, CCBill, MoneyBooker, etc...

The conclusion is the merchant can choose between using its own payment gateway to process the transaction directly to the merchant's bank or using payment gateway from third-party payment gateway (with a "little fees" of course).
 
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