Fraud is something I have been doing for many years, even before internet fraud
was a thing. So it is safe to say I have a vast knowledge and experience in this
business. I have written this tutorial with the intention of helping beginners and
even advanced fraudsters take their operations to the absolute next level. I have
included most if not all of my knowledge from this part of the business in this
guide. For many of you who have read my previous tutorials, I’m sure you are
already familiar with my tendency to go much in-depth over everything and I plan
on keeping that same level of quality on this tutorial as well. This guide is amazing
for advanced fraudsters who want to make a lot more money. Beginners who are
just starting out in the online fraud business will also find this guide extremely
helpful to kickstart their journey as many of the things I will go over are used every
single day during different fraud operations and will be valid for many years to
come. I recommend you DO NOT skip any chapters of this guide, even if you are
already familiar with the topic being discussed. Every chapter has its own equal
importance and skipping chapters are for lazy people who do not want to learn. If
you do not learn in this business, you WILL fail. Success requires patience and
perseverance so keep that in mind.
FULLZ: This is someone’s entire data cluster and it’s what is used to create bank
drop accounts, and for setting up payment processors on fake online stores. This
could also be used for many different things such as conducting an ATO (Account-
Take-Over) on someone’s bank account, opening new lines of credit under their
name, and much more. Fullz are extremely valuable information to us and in fact a
NECESSITY to be able to open bank drops. Fullz usually comprise of Background
Checks, Credit Reports, Credit Scores, Full Names, Addresses, Social Security
Number (SSN), Date of Birth (DOB), Driver’s License Numbers, and more.
CVV: This can either be someone’s full credit card details, or someone’s full debit
card details. CVV is simply a fraud slang for credit/debit card details, there’s not
much to it. We can use these details to “card” information on someone online,
such as background or credit reports that can be used for various purposes such as
opening bank drops and conducting an ATO (Account-Take-Over) on the victim’s
bank account, or we can use these CVV details to order physical/digital products
that will be sent to a drop address.
CVV DUMPS: A credit card dump, is an unauthorized digital copy of all the
information contained in the magnetic strip of an active credit card, created with
the intention of illegally making a fake credit card that can be used by
cybercriminals to make purchases. Credit card dumps are used by fraudsters to
capture valuable card data such as the card number and expiration date. These can
be obtained in a number of ways. The most popular method nowadays is
“skimming”, a process in which an illegal card reader is used to copy the data from
a credit card. Other methods include hacking into a retailer’s network or when a
malware-infected point-of-sale device is unwittingly used by a retailer, sending the
information to the criminals.
DUMPS SERVICE CODE: Many fraudsters think that there are only 2 types of
dumps, 101 and 201. The truth is there are many other types of dumps. Carders
usually work with either 101 or 201 but the majority will prefer 101. This is known
as the SERVICE CODE of a dump. The service code contains 3 characters and you
can find a dump service code just by looking at a dump, regardless of the fact if it
has both TRACK1+TRACK2 or just TRACK2. Example, let’s say we’re looking at the
dump 4256 746500930321=1402101700102054. The service code of this dump is
101, which is located right after the expiration date of the card, which in this case
is 1402 (FEB 2014). The value of the service code determines where the cards are
suitable to be used and in what way. Below is a detailed explanation of each
service code available today.
First digit (usage variables):
– 1xx: Worldwide use, usually doesn’t have a smart chip.
– 2xx: Worldwide use, does have a smart chip and required to use smart chip if the
card reader reads the chip
– 5xx: National use, a list of regions can be allowed by the bank (often called region
– 6xx: National use, a list of regions can be allowed by the bank but required to use
smart chip if the card reader reads the chip
– 7xx: Only useable according to what has been agreed with the bank
Second digit (authorization)
– x0x: Normal authorization, normal usage.
– x2x: Contact issuing bank.
– x4x: Contact issuing bank, exceptions rules by bank.
Third digit (services that the card can be used for):
– xx0: Can be used for anything, require PIN.
– xx1: Can be used for anything without PIN.
– xx2: Can be used to buy goods or pay a service, cannot retrieve cash, PIN not
– xx3: ATM only ,PIN required.
– xx4: Cash only, PIN not required.
– xx5: Can be used to buy goods or pay a service, cannot retrieve cash. PIN
– xx6: No restrictions to use, will ask for PIN when possible.
– xx7: Can be used to buy goods or pay a service, cannot retrieve cash. PIN
required when possible.
TRACK1+TRACK2 DATA: There are up to three tracks on magnetic cards known as
tracks 1, 2, and 3. Track 3 is virtually unused by the major worldwide networks,
and often isn’t even physically present on the card by virtue of a narrower
magnetic stripe. Point-of-sale card readers almost always read track 1, or track 2,
and sometimes both, in case one track is unreadable. The minimum cardholder
account information needed to complete a transaction is present on both tracks.
Track 1 has a higher bit density, is the only track that may contain alphabetic text,
and hence is the only track that contains the cardholder’s name. The information
on track 1 on financial cards is contained in several formats that goes from A to M.
The “A” is only used by the bank itself, so we do not need to pay much attention to
- The “B” is where the holder’s financial information is stored, the most
important section of the magnetic stripe. C to M, is used for the ANSI
Subcommittee X3B10, and N to Z is the information that is available for use of
individual card issuers. This is how the track 1 looks like.
- % for Start Sentinel
- B for Bank Type Credit Card
- 5XXXXXXXXXXXXXX2 is the Primary Account Number, which in most cases is
the number printed on the front of the card, but not always.
- ^ is the separator
- GEORGENULL is the card holder’s last name
- / is the separator
- MAX is the card holder’s first name
- ^ another separator
- 11 expiration year, 03 expiration month
- 101 SERVICE CODE
- 0000000010000000003000000 is the discretionary data
- ? is the end
So now that you’ve seen the information that is stored in track 1 and the letter
containers, you should have already figured out that credit card dumps are mainly
the first 2 tracks.
Track 2 data is used by ATMs, physical payment processors and in any online
website. There are a lot of components in this track, the layout is shown below.
| START SENTINEL | PRIMARY ACCOUNT NUMBER | FIELD SEPARATOR |
ADDITIONAL DATA | END SENTINEL | LONGITUDE REDUNDANCY CHECK |
With a more in-depth examination of the data, you can see how a credit card
number and holder’s main information is stored into the track 2 data.
5XXXXXXXXXXXXXX2=1103200XXXX00000000?* ^^ ^^ ^ ^ ^^ ||_ CARD NUMBER
|| | |_ ENCRYPTED||_ LRC |_ START SENTINEL|| | PIN*** |_ END SENTINEL || |_
SERVICE CODE FIELD SEPARATOR _||_ EXPIRATION
Now let’s break it down.
- ; : Start Sentinel
- 5XXXXXXXXXXXXXX2: Primary account number, the PAN. This would be the
credit card number you always see printed on the front of the plastic.
- 1103: Expiry Date. Always year first then month.
- 200: Service code.
- XXXX00000000: Discretionary data, which includes the PIN verification, the
card verification value and the last 3 digits on the back of the card aka the
- ?: The End Sentinel
- With ^^ ^^ ^ ^ ^^ begins the track 3 data, which as said previously is
Most carders and hackers, will only seek out the TR1 and TR2 data. That’s where
the term CVV dumps comes from.
WEB/ONLINE WALLETS: This is a program or web service that allows users to store
and control their online shopping information, like logins, passwords, shipping
address and credit card/bank details, in one central place. It also provides a
convenient and technologically quick method for consumers to purchase products
from any person or store across the globe. Such examples of web wallets are
PayPal, Google Wallet, and Venmo. We can use such wallets for many purposes
that will be discussed in further guides.
SKIMMER: This is a device made to be affixed to the mouth of an ATM and secretly
swipe credit and debit card information when bank customers slip their cards into
the machines to pull out money. Skimmers have been around for years, of course,
but fraudsters are constantly improving them. Card skimming accounts for more
than 80 percent of ATM fraud. Some sophisticated skimmers are even able to
transmit stolen data via text message.
EMBOSSER: A device that stamps the cards to produce the raised lettering where
the CVV holder’s name is, card number, etc…
TIPPER: A device that adds the gold/silver accents to the embossed characters.
MSR (MAGNETIC STRIPE READER/WRITER): Used by fraudsters to write dumps
into actual physical blank cards or gift cards (and driver’s licenses, student IDs,
etc..). If you want to use blank white cards, you will need a printer for the card
template, embosser and tipper, which can be pretty expensive, however it is worth
it if you know how to correctly use these things.
POS (POINT-OF-SALE) SYSTEM: This is the time and place where a retail
transaction is completed. At the point of sale, the merchant calculates the amount
owed by the customer, indicates that amount, may prepare an invoice for the
customer (which may be a cash register printout), and indicates the options for the
customer to make payment. It is also the point at which a customer makes a
payment to the merchant in exchange for goods or after provision of a service.
After receiving payment, the merchant may issue a receipt for the transaction.
ACH: This stands for Automated Clearing House, which is an electronic network for
financial transactions in the United States. ACH processes large volumes of credit
and debit transactions in batches. ACH credit transfers include direct deposit,
payroll and vendor payments. Moving money and information from one bank
account to another is done through Direct Deposit or via ACH transactions, credit
or debit. This is used a lot by fraudsters to siphon money out of the bank accounts
of unsuspecting victims, which is extremely easy.
PAYMENT PROCESSORS: A payment processor is a company (often a third party)
appointed by a merchant to handle transactions from various channels such as
credit cards and debit cards for merchant acquiring banks. They are usually broken
down into two types: front-end and back-end. Front-end processors have
connections to various card associations and supply authorization and settlement
services to the merchant banks’ merchants. Back-end processors accept
settlements from front-end processors and, via The Federal Reserve Bank for
example, move the money from the issuing bank to the merchant bank. In an
operation that will usually take a few seconds, the payment processor will both
check the details received by forwarding them to the respective card’s issuing bank
or card association for verification, and also carry out a series of anti-fraud
measures against the transaction. Additional paraments, including the card’s
country of issue and its previous payment history, are also used to gauge the
probability of the transaction being approved. Once the payment processor has
received confirmation that the credit card details have been verified, the
information will be relayed back via the payment gateway to the merchant, who
will then complete the payment transaction. If verification is denied by the card
association, the payment processor will relay the information to the merchant,
who will then decline the transaction. Such examples of payment processors are
Square, PayPal, Stripe and Flint
PAYMENT GATEWAYS: This is a merchant service provided by an e-commerce
website that authorizes credit card or direct payments processing for e-businesses,
online retailers, or traditional brick and mortar stores. The payment gateway may
be provided by a bank to its customers but can be provided by a specialized
financial service provider as a separate service. It facilitates a payment transaction
by the transfer of information between a payment portal (such as a website,
mobile phone or interactive voice response service) and the front-end processor or
acquiring bank. Here’s how a typical transaction plays out.
- A customer places an order on a website by pressing the “Submit Order” or
equivalent button, or perhaps enters their card details using an automatic
phone answering service.
- 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.
In between other methods, this may be done via SSL encryption. The
payment gateway may allot transaction data to be sent directly from the
customer’s browser to the gateway, bypassing the merchant’s systems. This
reduces the merchant’s Payment Card Industry Data Security Standard
compliance obligations without redirecting the customer away from the
- The merchant then forwards the transaction details to their payment
- The payment gateway converts the message from XML to ISO 8583 or a
variant message format and then forwards the transaction information to the
payment processor used by the merchant’s acquiring bank.
- The payment processor forwards the transaction information to the card
association (e.g. Visa/Mastercard/AMEX). If an American Express or Discover
Card was used, then the card association also acts as the issuing bank and
directly provides a response of approved or declined to the payment
gateway. Otherwise, the card association routes the transaction to the
correct card issuing bank.
- The credit card issuing bank receives the authorization request, verifies the
credit or debit available and then sends a response back to the processor
with a response code (approved or denied). In addition to communicating
the fate of the authorization request, the response code is also used to
define the reason why the transaction failed (e.g. insufficient funds, or bank
link not available). Meanwhile, the credit card issuer holds an authorization
associated with that merchant and consumer for the approved amount. This
can impact the consumer’s ability to spend further (because it reduces the
line of credit available or it puts a hold on a portion of the funds in a debit
- The processor forwards the authorization response to the payment gateway.
- 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 as a relevant response then relayed back to the merchant and
cardholder. This is known as the Authorization or “Auth”
- This entire process typically takes 2-3 seconds.
WEB DOMAIN: This is traditionally known as the name or URL of a website and is
sometimes called the host name. The host name is a more memorable name to
stand in for the numeric, and hard to remember, IP address of a website. This
allows the website visitors to find and return to a web page more easily. It also
allows advertisers the ability to give a website a memorable name that visitors will
remember and come to, hopefully leading to conversions for the web page. The
flexibility of website domains allows several IP addresses to be linked to the same
website domain, thus giving a website several different pages while remaining at
the easily remembered address.
VIRTUAL CARDING: This is the process of purchasing physical or digital goods
online using someone else’s credit/debit card details.
PHYSICAL CARDING: This is the process of purchasing physical goods by going to
an actual physical store in-person and using pre-made credit cards with dumps
punched in them to conduct the fraudulent transactions. Transactions are also
possible to be conducted with an Android phone using NFC payments with
CARDING: Term used when referring to using someone else’s CVV details to
conduct a fraudulent purchase on an online website or physically in person in a
store using DUMPS. Example, we can CARD a cellphone using someone else’s
details through Amazon, or CARD a $400 belt at a Gucci Store using dumps that
were punched into a blank card using devices specifically made for such purposes.
CARD HOLDER: The owner of the CVV that we’re using to conduct the fraudulent
BILLING ADDRESS: An address directly attached to a CVV. This is where the card
holder’s bank sends his bills, hence the name BILLING.
SHIPPING/MAILING ADDRESS: An address used exclusively to receive mail. Most
websites do not allow transactions to be accepted if the billing address on a credit
card and the shipping address provided to the website are different.
AVS & NON-AVS: AVS stands for Address Verification System. This is a system used
to verify the address of a person claiming to own a 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. AVS is used by mostly all merchants in the US,
Canada, and UK. Because AVS only verifies the numeric portion of the address,
certain anomalies like apartment numbers can cause false declines; however, it is
reported to be a rare occurrence. AVS verifies the numeric portions of a
cardholder’s billing address. For example, if the address is 101 Main Street,
Highland, CA 92346, United States, AVS will check 101 and 92346. Cardholders
may receive false negatives, or partial declines for AVS from e-commerce
verification systems, which may require manual overrides, voice authorization, or
reprogramming of the AVS entries by the card issuing bank. Cardholders with a
bank that does not support AVS may receive an error from Internet stores due to
lack of data. All countries besides UK, US & Canada, are NON-AVS.
VBV & NON-VBV: This is an XML-based protocol designed to be an additional
security layer for online credit and debit card transactions. VBV stands for Verified
by Visa. This is used to validate the card holder’s identity and prevent fraudulent
transactions. It works by asking for additional information either from the card
holder directly or by analyzing data behind the scenes to see if the purchase fits
the usual payment behavior. When a website and a card have Verified by Visa, a
message box pops up on screen after you have entered the Visa card details. You
are then asked to identify yourself with your Verified by Visa password or a code
sent to your phone. What you need to do at this stage varies but your bank will tell
you about the method they use and what they expect from you. If you don’t notice
the VBV message box appearing but instead see a revolving wheel, all the security
associated with VBV is still happening but in the background. And you don’t need
to do anything. The bank is verifying the purchase by making background checks to
see that everything is at it should be. Any Visa card that does not have the above
feature in place, is known as NON-VBV and you should ultimately look for NON-
VBV cards instead of VBV, because as you can see this verification process is a
MASTERCARD SECURECODE (MCSC): MasterCard SecureCode is very much similar
to Visa’s VBV. It is a private code for a MasterCard account that gives the card
holder an additional layer of online shopping security. Only the card holder and
the financial institution know what the code is, merchants are not able to see it.
Fortunately, the majority of MasterCard cards do not have this security in place.
AMERICAN EXPRESS SAFEKEY: This is one of the least used security measures
around, and it is not even available in the United States. However, it is the same
thing as MasterCard SecureCode and Visa’s VBV.
NEAR-FIELD COMMUNICATION (NFC): NFC technology lets smartphones and other
enabled devices communicate with other devices containing an NFC tag. It is
widely used as a payment method, all you have to do is swipe your smartphone at
the checkout in any store, and most stores support NFC. Apple Pay for example,
SSN: Social Security Number. This is a nine-digit number issued to U.S. citizens,
permanent residents, and temporary (working) residents in the United States.
Although its primary purpose is to track individuals for Social Security purposes,
the Social Security number has become the national identification number for
taxation and other purposes. SSN is frequently used by those involved in identity
theft, since it is interconnected with many other forms of identification, and
because people asking for it treat as an authenticator. Financial institutions
generally require an SSN to set up bank accounts, credit cards, and loans-partly
because they assume that no one except the person it was issued to knows it.
MMN: Mother’s Maiden Name. This is the name of someone’s mother BEFORE
they got married, that is, her name with her original family name (or “surname”),
the name she used when she was a girl and a young woman. “Maiden” here means
“unmarried woman”. So “maiden name” refers to a woman’s name when she was
still an unmarried woman. In many cultures, when a woman gets married, she
takes the family name of her husband’s family, so her name changes. Example, let
us say your mother’s name was Mary and she was born into the Smith family. Her
maiden name would be “Mary Smith”. Then, let us say, she married your father,
whose name was Tom Jones. When she married him, she became Mary Jones.
That is her married name, but her maiden name will always be Mary Smith. This is
one of the most important aspects to conducting successful transactions online for
high value products, as most banks ask this as a security question for making any
changes to the account.
DOB: Date of Birth. This is one of the most important pieces of information you
can get on your victim. The reason for that because with the date of birth, full
name and hometown, you can easily find the person’s SSN. And also because you
need this information if the bank ever asks you for it.
MAIL DROP: A mail drop is a location where you are able to freely receive illegal
products that were either carded, or drugs. You never want to use your own house
for these purposes as it will bring a lot of headache for you in the future. With a
mail drop, you can use it let’s say a month, and never show your face there again.
This will make extremely hard for any law enforcement official to track you down
and arrest you or conduct an investigation into your life.
BIN: Bank Identification Number. This is the first four to six numbers that appear
on a credit card. The bank identification number uniquely identifies the institution
issuing the card. The BIN is key in the process of matching transactions to the
issuer of the charge card. This numbering system also applies to charge cards, gift
cards, debit cards, prepaid cards and even electronic benefit cards. This numbering
system helps identify identity theft or potential security breaches by comparing
data, such as the address of the institution issuing the card and the address of the
cardholder. The first digit of the BIN specifies the Major Industry Identifier, such as
airline, banking or travel, and the next five digits specify the issuing institution or
bank. For example, the MII for a Visa credit card starts with a 4. The BIN helps
merchants evaluate and assess their payment card transactions. After submitting
the first four to six digits of the card, the online retailer can detect which
institution issued the customer’s card, the card brand (such as Visa or
MasterCard), the card level (such as corporate or platinum), the card type (such as
debit card or a credit card), and the issuing bank country. BINs can be check
through the websites below.
PROXY SERVER: Every time you reach out to a website or connect with anyone
online, your online connection gives your computer “address” to the site/person
you’re connecting with. This is so that the other end knows how to send
information back to your computer. That address is your public IP address. IP
stands for Internet Protocol and you can check yours by going to whoer.net.
Without an IP address, you wouldn’t be able to do any Internet/online activity and
others online wouldn’t be able to reach you. It is how you connect to the world.
Your IP address comes from your Internet Service Provider (ISP). Unfortunately,
there are a lot of privacy concerns when it comes to public IP addresses such as
- Your IP address identifies where you are in the world, sometimes to the
- It can be used by websites to block you from accessing their content.
- It ultimately ties your name and home address to your IP address, because
someone is paying for an Internet connection at a specific location.
A proxy lets you go online under a different IP address identity. You don’t change
your Internet provider; you simply get a proxy server. A proxy server is a computer
on the web that redirects your web browsing activity. Here’s what that means.
- Normally, when you type in a website name (Amazon.com or any other),
your Internet Service Provider (ISP) makes the request for you and connects
you with the destination-and reveals your real IP address, as mentioned
- When you use a proxy, your online requests get rerouted.
- While using a proxy, your Internet request goes from your computer to your
ISP as usual, but then gets sent to the proxy server, and then to the
website/destination. Along the way, the proxy uses the IP address you chose
in your setup, masking your real IP address.
Proxy servers are commonly used by identity thieves to fake their location to the
cardholder’s billing address. The reason for that is because some websites will not
allow a transaction to be accepted, if the purchase is being made from a location
much farther away than the cardholder’s billing address.
BANK DROPS: Bank drops are bank accounts that are opened specifically for the
purpose of storing your dirty funds. Once you open them, you can decide whether
you wish to withdraw the funds directly from the account as cash by going to the
bank ATM, or possibly clean them with specific methods, and only after cleaning
them, cashing them out (my preferred method and much safer). It is important to
mention also, that all bank drop accounts, are opened ONLY with the information
of someone else (aka FULLZ), so there is absolutely no possibility of these dirty
funds ever being traced back to your real identity. To open one of these bank drop
accounts, you will usually require the person’s DOB + SSN + DL + BACKGROUND
CHECK + FULL CREDIT REPORT + MVR/DRIVING RECORD for maximum success.
PROXY SCORE: When it comes to fraud detection, finding proxies is a big topic.
Fraud detection begins with thinking intelligently about the IP address associated
with a transaction. Where is that IP address, and how does that location relate to
other transaction data? Whereas most IP addresses inspire confidence, those
associated with a proxy generate suspicion. As the name suggests, a proxy acts as
an intermediary, passing requests from one computer to other servers. But
although there are legitimate uses of proxies, fraudsters are well known to use
proxies. Detecting proxies comes with two challenges. The first is how to recognize
an IP address as a proxy. The second is how to distinguish a “good” proxy from a
“bad” one; since by definition, a proxy is merely an intermediary, a proxy is not
high risk in and of itself. To consider how best to address these challenges, it’s
helpful to look to the primary goal of ecommerce fraud detection: thinking
intelligently about the IP address associated with a transaction in order to assess
risk. Fraud detection uses transaction data as the basis for this thinking and risk
assessment. Using this data and analysis, they’re able to gain insight into the kind
of traffic on a particular IP address. The Proxy Score, is a summary of risk
associated with an IP address. You want this to be as low as possible (0.80 MAX).
Anything above 0.80, you should move on and look for another proxy as that will
lead to a declined transaction 70-80% of the time. You can check your proxy score
on the websites below. Ideally you want the lowest proxy score that you can find, I
have used RDPs with a proxy score of 0.01 many times.
- xdedicvhnguh5s6k.onion (private RDP provider website, but the best one to
check this kind of stuff, send me a PM and I will send you an invite)
FRAUD SCORE: Every online transaction is given what is called a “Fraud Score”.
This is a number ranging between 0 and 999. It gives the merchant a number from
which he can determine if a given transaction is fraudulent or not. Transactions
that are given high fraud scores (over 300), are placed under manual verification
by an agent, who will decide if they contact the cardholder or let it through. Scores
over 500 with auto-decline, will block the card and an agent will immediately
contact the cardholder. Some banks have different criterias but certain things that
can affect the fraud score are:
- Comparison with the usual spending pattern of the cardholder
- Location of the charge
- Risk factor associated with the merchant
For example, a $15.56 charge in the cardholder’s local Walmart will not trigger
anything, while a purchase of $2000 on Newegg will have an extremely high fraud
score and probably auto-decline if the cardholder rarely makes purchases online.
RISK SCORE: This is a percentage given to each transaction that ranges from 0.00%
to 100.00%. The factors that determine this score are whether an IP address,
email, device and proxy used are high risk or low risk. This is determined by fraud
systems that websites have in place such as MaxMind, which establishes the
reputations of IP addresses, emails, geolocation and other parameters. This should
always be checked before purchasing an RDP. Anything above 1.00% will lead to
declined transactions most of the time.
MAC ADDRESS: Whether you work in a wired network, or a wireless one, one
thing is common for both environments. It takes both network software and
hardware (cables, routers, etc.) to transfer data from your computer to another-or
from a computer thousands of miles away to yours. In the end, to get the data you
want right to YOU, it comes down to addresses. So not surprisingly, along with an
IP address, there’s also a hardware address. Typically, it is tied to a key connection
device in your computer called the network interface card, or NIC. The NIC is
essentially a computer circuit card that makes it possible for your computer to
connect to a network. An NIC turns data into an electrical signal that can be
transmitted over the network.
Every NIC has a hardware address that’s known as a MAC, for Media Access
Control. Where IP addresses are associated with TCP/IP (networking software),
MAC addresses are linked to the hardware of network adapters. A MAC address is
given to a network adapter when it is manufactured. It is hardwired or hard-coded
onto your computer’s network interface card (NIC) and is unique to it.
Unfortunately, a MAC address can be used by law enforcement in combination
with Internet Service Providers, to find someone’s true location and consequently
his identity. Further in this guide I will explain how to mitigate this risk.
VIRTUAL PRIVATE NETWORK (VPN): An essential step of conducting a successful
fraudulent transaction, is having a VPN. Most of you already know what this is, but
for those of you who don’t, VPNs are used to funnel your entire traffic to an
encrypted tunnel. This way, none of your traffic is able to be captured by your ISP
or an attacker, and consequently sniffed upon. Nor can your real location be
revealed if you are using a good and reliable VPN that prevents DNS leaks. This will
be discussed in more detail further in this guide.
RDP: Remote Desktop Protocol. This is a protocol developed my Microsoft, which
provides a user with a graphical interface to connect to another computer over a
network connection. You can for example, be using a Linux machine, and connect
to a Windows 7 RDP. RDPs are absolutely essential to conducting a successful
fraudulent transaction, especially HACKED RESIDENTIAL RDPs. The reason for that
is because these RDPs are from a REAL PERSON, with a REAL LOCATION/IP, and
REAL COMPUTER and BROWSER FINGERPRINT. They will exponentially increase
your success rate. They will also be discussed in more detail further in this guide.
SOCKS5: This is a proxy server that allows us to fake our real location. This is very
good if let’s say, we have a credit card with a billing address in Miami, we can use a
SOCKS5 near the billing address in Miami so that the website we are conducting
the fraudulent transaction in doesn’t raise our fraud score because the transaction
is being conducted in another state/far away from the credit card’s billing address
as this will lead to a declined transaction most of the time.
VIRTUAL MACHINE: This is an emulation of a computer system. Virtual machines
are based on computer architectures and provide functionality of a physical
computer. They allow you to run an operating system using an app window on
your desktop that behaves like a full, separate computer. The most used software
for virtual machines are respectively, Virtual Box and VMWare. Unfortunately,
they are not as reliable as using an RDP, but they are very good to CONNECT to an
RDP, so as to leave no traces on your original computer. Windows and OS X are
still not reliable enough in the aspect of leaving no traces, as the virtual machine in
these operating systems, will leak information to the host OS, and consequently
leave a lot of illegal evidence/traces on your computer that could later be used as
potential evidence in an investigation. However, you should never let it get to that
point the first place.
Operations Security (OPSEC)
This is the most important aspect of being a successful fraudster. The reason for
this is because there’s no point in doing all of this, if we’re going to eventually be
caught, and have all of your assets seized by the government. Unfortunately, the
United States doesn’t take these things lightly, and they will do everything they
can to persecute cybercriminals and put them in jail, which most of the time are
given sentences of over 10 years in jail for minor offenses. They are the biggest
and most powerful nation in the entire world, and their resources are absolutely
endless. We MUST take every precaution possible to mitigate any of these risks
and to make sure our hard work will never be taken from us by such governments.
Even if you do not live in the United States, you should still very much worry about
them as they are involved in pretty much every single international issue that
occurs, especially in cybercrime cases.
I have written an extensive guide over 100 pages long on just the topic of OPSEC
and creating your perfect fraud expert setup for maximum success, and security
against such adversaries, of which I am currently selling for $25 ONLY for a limited
time. If you are any serious about doing this business and following my guidance, I
HIGHLY recommend you purchase my guide and follow each and every step
outlined in it to secure yourself to the max. Remember, if you want to be a
criminal, then do your homework, or don’t be a criminal.
With that said, in this chapter I won’t go into as much detail as my OPSEC guide
goes, as there are many things to keep in mind and I wouldn’t be able to fit
everything into only one chapter, that’s the reason I made a guide specifically for
the purpose of explaining privacy and security. However, I will give you a perfect
setup in this tutorial.
First of all, I want to introduce you to the absolute best operating system available
today when it comes to security and privacy. It is called Qubes OS. This operating
system allows us to run isolated environments. It is basically a giant virtual box.
You can run different OSs in Qubes as different virtual machines. For example, we
have a virtual machine for the Whonix OS, another for Fedora, Debian, and those
are only the VMs that come pre-installed with the OS. You can install Kali Linux in
Qubes, Windows, and all kinds of different OSs. If one of these VMs ever get
compromised, we are fine. We simply delete the VM and create a new one. If you
want to learn more about the Qubes OS, then navigate to the link below, it is full
of tutorials and even videos about the OS so you can get a good look at what we’ll
be working with.
Qubes has a very small compatibility range and so will not work with most
computers unfortunately. However, if you want to become truly a professional
cyber-criminal, then I highly recommend you invest in a new computer. Don’t be
lazy or close-fisted with security, as that will lead to problems and much headache
for you in the future, trust me on that. Below are the laptops I recommend, from
best (most expensive) to worst (cheapest). All of them work perfectly with the
current Qubes 4.0. All of the prices were taken from Amazon at the time of this
writing, so keep in mind, you may get cheaper, or more expensive.
LENOVO THINKPAD X1 CARBON 5TH GEN ($1845): This laptop is absolutely
amazing, and if you have money to buy it, then do it. It’s totally worth it, as it will
last you for many years to come. This was voted the best business laptop at CES
- The performance of this laptop is absolutely incredible and will make your
work incredibly smooth and easy. This is the laptop that I currently use and the
one I recommend to all my clients on top of every other one.
LENOVO THINKPAD T460P ($1350): Also works perfectly with Qubes 4.0 and the
performance is amazing. The one above is much better, but if you want to get this
one instead and save some money, I’d say go ahead.
LENOVO THINKPAD T450S ($530): This laptop is also very good, although the
performance of the above one is much better, this one does boast some
impressive features. You can get it on Amazon for very cheap. It comes with i7
processor, 8GB RAM, 256GB SSD (you may want to upgrade the SSD). I have tested
this computer with Qubes 4.0 and it also works perfectly and smooth.
LENOVO THINKPAD X230 ($235): This is a last resort type of laptop, and you
should only get it if you’re really low on money. The performance will be terrible,
but definitely usable. Qubes 4.0 runs perfectly with it, and everything works
exactly as it should, just really slow due to the old processor and low memory. If
you’re thinking of buying this laptop, keep in mind you will most likely need to
upgrade some of the components to make it run smoothly.
BEST QUBES SETUP FOR FRAUDULENT ACTIVITIES
Having a perfect setup for your fraudulent activities, is one of the most important
aspects of being successful in this business. If you have a bad setup, you will most
likely run into problems, and declined transactions on a daily basis. As I have
explained previously in this guide, Qubes OS is the absolute best operating system
for our purposes, and is the OS I use for my fraudulent activities, in fact it is THE
ONLY ONE I use. Not only will Qubes protect you to the maximum extent possible,
to ensure that LE can’t successfully uncover your real identity, but to websites, you
will look like just another shopper looking for something expensive to buy, which
in turn will make us extremely successful. Below I will outline the perfect setup for
Qubes OS. All of the setup outlined below is explained in much more detail on my
OPSEC guide, so I would highly recommend you get that one as well.
- First, we will anonymize our MAC address by following this tutorial
(https://www.qubes-os.org/doc/anonymizing-your-mac-address/) for our
- Once we have fully anonymized our MAC address, we will route our NetVM
to the FirewallVM. From there, we will route the traffic to the VPN VM.
- Now we need to setup our VPN VM to route all traffic to the VPN tunnel and
restrict all non-VPN connections with iptables rules. If you are running Qubes
4.0, please follow this tutorial (https://github.com/tasket/Qubes-vpn-
support). If you are on Qubes 3.2, follow this tutorial
vpn_with_mullvad_on_qubes/). Feel free to send me a message if you run
into any problems. Check everything is good and that there are no leaks in
your connection by navigating to whoer.net and dnsleaktest.com and
conducting tests. Even with webRTC enabled, you should have 0 leaks
because of the iptables rules.
- Once we have setup our VPN VM, we will create another VPN VM and route
our traffic to the 2nd VPN tunnel. This is extremely important, as it will add an
amazing extra layer of security to your setup. You should use 2 different VPN
providers. The ones I recommend are respectively from best to worst,
NordVPN, TorGuard, and Mullvad. You should follow the same steps as the
1st VPN VM to create the 2nd. Check everything is good and that there are no
leaks in your connection by navigating to whoer.net and dnsleaktest.com and
conducting tests. Even with webRTC enabled, you should have 0 leaks
because of the iptables rules.
- From the 2nd VPN VM, we will send our traffic to our Tor network VM (usually
- In sys-whonix, we will edit the torrc configuration file and make sure we are
using obfs4 bridges to connect to it. This will make much harder for anyone
snooping on our traffic to see we are using Tor (although I seriously doubt
anyone would be able to do so if you followed the steps above correctly).
You can do that by following this tutorial
- Now that we have our network completely set up, we will move on to
actually connecting to our RDP to conduct our work. To do that, simply
create a new AppVM, name it whatever you so wish, use the Template
WHONIX-WS for it, give it network access through sys-whonix, and open a
new Terminal on it. Once you have done that, run the following command on
that Terminal: sudo apt-get install remmina
- That command will install a program called “remmina” which will enable us
to connect to our RDPs anonymously with the Tor network.
- For the RDP, I recommend you purchase a Windows 7 one from xDedic (if
you don’t have an account there, send me a message and I will sell you an
RDP from there, or you can also purchase an invite to the website from me if
you so prefer, that way you won’t rely on me or anyone else to purchase
your RDPs, you can simply login the website and purchase them yourself).
xDedic is the best website for RDPs, and the reason for that is because they
sell clean hacked RDPs, that belong to an actual real person, with a real
digital fingerprint, and with a real IP/real location. The reason we want this is
so that the website we are conducting our work in, doesn’t realize we are a
fraudster and declines our transaction. I prefer not to use Socks5 as they are
far from being reliable as RDPs are, and PLEASE, do not use a Socks5 in
conjunction with one of these RDPs, as that would be dumb, and will mess up
your entire setup.
- Once you have all of this setup, all you need to do is pick a website that you
want to card, get a CVV close to the zip code of your RDP (some websites will
decline your transaction if you are placing an order too far away from the
CVVs billing/shipping address) and work your magic! This “magic” will vary
from website to website, and one thing you need to keep in mind is that
most websites will require you to call the card holder’s bank using a burner
spoofed to the card holder’s number to change his billing address. The
reason for that is because as mentioned previously, websites in Canada,
United States and United Kingdom, all have AVS systems in place that will
check your billing address with the card holder’s bank. If you use a shipping
address that differs from the billing address, especially a shipping address
too far from the card holder’s address, you will get a declined transaction.
You could still get approved if the shipping address you are using is not too
far from the card holder’s billing address (anything 30-50 miles away is
already too much), but it’s always better to call the bank and do a change of
- If you are purchasing anything above $600 dollars, chances are you will need
to conduct a what is known as an ATO on the card holder’s account. ATO
stands for Account-Take-Over. This is a process in which you will call the
bank, change the card holder’s phone number, then wait 5-7 days and call
again to change his billing address, you can also add a temporary address if
you prefer, which is much better in my opinion (Bank of America doesn’t
allow temporary addresses unfortunately, Chase is the best one for this). The
reason for this is because most websites will require you to put the card
holder’s billing phone number on check out and for orders above $600, they
will call the card holder to confirm the transaction. Not to mention that the
bank may find all of this very suspicious, especially if the card holder hasn’t
done a purchase as big as that in months and will ring them to confirm. And,
there is also the possibility of the card holder having what is known as “text
updates/alerts” for charges that big on his account. All of those things may
lead to declined transaction, and a burnt card.
- I also recommend you use a .edu, .org or .gov email with the card holder’s
name, to conduct such high value fraudulent transactions. This will
significantly lower your fraud score and will help you a lot in getting
- Make sure you act like a real shopper. Wait 2-3 days before purchasing and
during that meantime, put products in your cart, look around the website,
make it look LEGIT. Make it look like you care about how much you’re
spending, because people do care about that. If you register an account, and
then right off the bat purchase a laptop worth $1500, you can’t expect to be
approved. I will further explain in detail all of this in this guide.
WINDOWS & MAC OS X VIRTUALBOX SETUP
I realize most people will not go as far as the setup above requires them. And
although that is very unfortunate, it is a fact that I can’t neglect. Below I will
outline a good, but much more unsuccessful and unsafe setup. Unfortunately, OS X
and Windows, are both closed-source operating systems, and particularly
Windows, is full of zero-day exploits and vulnerabilities that are easily exploitable
by law enforcement officials. Not to mention these OSs are full of NSA/FBI/CIA
backdoors and are just not safe from a privacy standpoint, proceed with caution
and most importantly, ATTENTION to detail. Do not skip any steps.
Now, when it comes to the Virtual Box setup, what you need to do is first of all,
download Virtual Box obviously (https://www.virtualbox.org/wiki/Downloads),
then download VeraCrypt (https://www.veracrypt.fr/en/Downloads.html) and
create a hidden encrypted volume with at least 30GB of space, then mount that
hidden encrypted volume. Then, download WinISO
(http://www.winiso.com/download.html), and google “WinISO serial number” so
that you are able to complete the next step. Next, download MagicISO
(http://www.magiciso.com/download.htm), get a .iso of Windows 7 and burn it
into a bootable media on a blank CD using WinISO. Then mount the .iso into the
virtual drive using MagicISO.
Then, create a new virtual machine on Virtual Box and name it whatever you so
wish. Go to settings and on “System” use at least 2GB RAM for the base memory.
On boot order use HDD and CD/DVD. Then, go to storage and add your virtual
drive letter where you mounted the .iso on Controller:IDE. On “Network”, choose
NAT and refresh the MAC address (refresh every single time you boot the
Machine). Then, install Windows 7 on the virtual machine.
Once you have done all that, move the .vdi files into the hidden encrypted
VeraCrypt volume. Then, on the Windows 7 virtual machine install TMAC to
change the MAC address every time you connect to the internet
(https://technitium.com/tmac/), CCleaner, and Bleachbit to clean your cookies and
Then every time you start the machine, go to the Windows 7 CMD, and type these
Once you have completed all these steps, download the VPN of your choice and
install it on your newly created virtual machine. You can also get another VPN and
install it on your main OS, that way you have 2 VPNs for added security. I
recommend 2 different providers, and make sure you use an anonymous email
that can’t be traced back to you, and only pay with clean BTCs.
From that virtual machine, connect to an RDP by going to the Start menu and
typing “Remote Desktop” in the search box. When “Remote Desktop Connection”
appears in the search results, click on it. Next, enter the IP address of the target
computer and press connect. Enter the login credentials, click OK and you should
be inside the RDP.
Now that you have your OPSEC set up, I will teach you about how to card
As I have mentioned previously in the fraud dictionary section of this guide, virtual
carding is the process of purchasing physical or digital goods online using someone
else’s credit/debit card details. However, there is A LOT more to it. You can’t
simply get someone’s CVV details and go on a shopping spree, that will not work
and will only lead to burnt cards & declined transactions. There are many things
you need to keep in mind and in this chapter I will go into detail on how exactly all
of it works.
The main goal of a carder, is to cheat websites into thinking he’s the legit owner of
a CVV. This is the most important aspect of carding, because if you can’t do that,
nothing else will work. To be able to cheat the website, there are a couple of
things we need to keep in mind.
- We need to use an extra clean hacked residential Windows 7 RDP (available
on xDedic, again, if you don’t have an account there just send me a message
and we can work something out). Windows 7 is the 2nd most used operating
system in existence today, right behind Windows 10 so that is why we are
using it. We want to appear as generic as possible to the website, and never
appear to be a “unique” user as that will raise our fraud score. A
RESIDENTIAL RDP is essential, because it already has a digital fingerprint from
a legit user, which will tell the website that we are a real person, from a real
location, with a real computer, and not a fraudster using a proxy server in a
- We should either use Firefox or Chrome for fraudulent transactions inside of
our hacked RDP. The reason for that is because again, we want to appear as
generic as possible to the website, and those browsers are currently the
most used browsers in existence. It is important to note that no changes
should be done to those browsers, and no addons should be installed, you
should use them AS THEY ARE BY DEFAULT.
- With Firefox or Chrome inside of your RDP, navigate to dnsleaktest.com and
ipleak.net, then conduct tests to see if your real location is leaking. Then
navigate to whoer.net and check your anonymity score, it should be 100%.
Sometimes it won’t be because of the time-zone difference between your IP
location and the system time, if that happens then simply change the system
time to match your IP location, and do a re-test, it should then say 100% in
your score. You should do this every time you wish to conduct a fraudulent
- Now we get a CVV that is close to the CITY and STATE that our RDP is located
- Example, if we have an RDP located in MIAMI FL, we want a CVV from
MIAMI FL. The level of the CVV you need to get will depend much on the
value of the transaction that you want to conduct. A card that would be used
to purchase movie tickets/food delivery online, is not the same card you
would use to purchase a $1000 laptop. However, a card that can be used to
purchase a $1000 laptop, would easily approve a small movie ticket/food
delivery purchase transaction, but you would never use a card like that for
such purposes unless you don’t know what you’re doing.
- If you are carding something worth $500 or more, you will need to get a free
.edu email registered in the name of the CVV holder by navigating to the
website http://home.cccapply.org and selecting Cuesta College from the
drop-down menu (this changes from time to time so Cuesta may not work for
you, if it doesn’t just try other colleges and one of them should eventually
work). From there you apply to the college, and for the Social Security
Number (SSN) you navigate to http://fakenamegenerator.com/, select
MALE/FEMALE and then hit GENERATE. This will generate a new identity,
from that you just need the SSN which will look something like this 427-70-
XXXX. Just substitute the XXXX for any numbers and that should do fine. Fill
out all the rest with the fake info (phone, address, etc…), just provide the
correct sex. If you have his SSN, then you can use that as well and it will be a
HUGE plus. For the email, you can use disroot.org, navigate to their website,
create a new account with the CVV holder’s name and use it for registering
for the college. You will soon receive on that email your newly created
@.my.smccd.edu email address details.
- If the .edu email method doesn’t seem to be working for you, then you can
simply card a domain with ipage.com and use a .org email that the domain
provider will let you generate. You can also generate as many .org emails as
you wish with your domain, just make the domain name something legit such
as https://nmnenterprises.org or https://pierceandassociates.com/. To card
the domain, follow the same steps outlined above and register with the
domain provider with a yahoo email in the name of the CVV holder.
- Once you got the email ready, then you are finally ready to conduct the
fraudulent transaction. Navigate to the website you want to card. If you are
carding something worth $200 or more, then you should first create an
account on the website using the .edu/.org email, browse the website to look
like a real buyer, wait 2 days and browse the website during those 2 days for
at least 30-40 min looking at products, putting stuff in your cart, etc… After
you have done that, you can go ahead and proceed with the transaction.
- Keep in mind that as I mentioned previously, some websites will not accept
transactions in which the billing and shipping addresses are too far away
from each other (30 miles is already too much). If you get a card with a billing
address less than 30 miles from your drop address, then you are very very
lucky and you can proceed. If not, you will need to call the bank using a
spoofed burner number (spoof to the CVV holder’s number) and ask them to
add a temporary shipping address/add an additional billing address to the
account. They should be able to do that for you, unless it’s Bank of America,
I’ve run into problems before doing that with BoA. They will require you to
change the billing address entirely.
- For the burner phone, it is entirely up to you to either purchase a phone for
$40 dollars at somewhere like Wal-Mart or go to Amazon and purchase a
phone like this (https://www.amazon.com/Phone-4-5mm-Ultra-Pocket-
Black/dp/B00JN82EFO) which you can use for a month, and destroy it
completely when done with carding for a few websites/CVVs. For the SIM
card, you can go to T-Mobile and ask them for the $30 monthly plan (make
sure you show them your phone so that they give you the right SIM card and
ALWAYS pay with cash, you can even go a step further and use a hoodie
when going to the store to mitigate the threat of cameras).
- To spoof your phone number, you can use the service
https://www.spoofmyphone.com/ they allow you to pay with BTC and are
- Before buying your RDP, ALWAYS check its PROXY, RISK, and FRAUD score.
You can check all of that through the xDedic website (if you don’t have an
account there contact me and we can work something out).
There are a lot of websites nowadays on the web that will sell you stolen CVV.
However, the problem with these websites is that they will most of the time, sell
you CVVs that are either dead, or that are complete shit. I know this from my own
personal experience with these websites, so I have completely given up on them.
The only one I can currently recommend under good conscience is Benumb
(https://benumb.store), however, the registration to it is closed at the moment,
and I have spoken to the owner, he is not currently selling registrations, but will
very soon for 200-300 dollars (that money will be added to your balance on the
website). So, if you want to purchase the registration, keep checking the website.
I am an experienced hacker, and I have taken advantage of flaws in website
security systems many times to hack their databases. With that said, I currently
have in my possession over 70k CVV and over 50k dumps for sale from different
online databases. I check my CVVs for validity every single time before sending
them out to my buyers, so you can be safe you will get valid cards from me.
To check out the balance of a card and check its validity, you can simply call the
bank to which the card belongs to using your burner phone. Let’s say it’s Chase,
you call Chase bank and use the automated prompt by typing your CVV number
and its zip code. From there the automated prompt will tell you the balance of the
card, its credit access line, amount in pending transaction authorizations, and
recent transactions. You should take note of the 8 most recent transactions in case
you need it. It is also good to know the CVV holder’s spending patterns so we can
mimic it. This will make things look much less suspicious to the bank.
When it comes to carding, there are 3 different levels to it. They are each outlined
and explained below.
LEVEL 1 CARDING: This is the entry point for most carders, it includes such things
as ordering pizza, movie tickets, and small purchases below $50. This is considered
very easy carding and you will usually just require the CVV details, along with the
full billing address of the CVV.
LEVEL 2 CARDING: This would be intermediate carding, and includes such things as
carding background reports, credit reports, or physical products with a value
below $200. For this you will require the same details as LEVEL 1 CARDING.
However, it will vary depending on the website you are carding. Different websites
have different security measures in place to curb fraudulent transactions and will
require specific strategies.
LEVEL 3 CARDING: This is advanced carding, and not recommended for beginners.
Things that fall under this category are for example, high value physical products
above $400 in value, and everything on high security websites such as Amazon,
Newegg, TigerDirect, etc… All of these websites will require you to perform an
ATO (Account-Take-Over) on the CVV holder’s account. This will require you to
have the CVV details, full billing address, along with the victim’s DOB, MMN, SSN,
and background report. For this it is always good to get as much information as
you can on the victim, as we will have to call the bank and perform changes in the
holder’s account to take over. This will be explained in much detail further in this
As mentioned previously in this guide, different cards are used for different
purposes. You would never use a Signature Visa, with a credit access line of
$30,000 to card movie tickets or pizza. Below I will outline all the card levels in
existence today. It is important to mention, that for high value purchases you
should ALWAYS look for CREDIT CARDS. Debit Cards are not good for making these
high value purchases online. However, they could still have many uses such as
purchasing background reports, credit reports, and all purchases below $200.
CLASSIC – Classic cards are recognized and accepted by a large number of
merchants all over the world, including the Internet. This card is usually used by
students, young couples, or people trying to establish credit. The limits of these
cards are usually around $1000.
GOLD – A premium card used by people around the world. With higher spending
limits and greater purchasing power, the Visa Gold card is the choice of consumers
who want more from their cards. Average limit of this type of card is $3000.
PLATINUM – Platinum is one of the best cards around. Average limit could be
BUSINESS – Very high limits, often around $15,000
CORPORATE – This is used by large corporations. The limits are usually around
$15,000 as well.
SIGNATURE – The 2nd best card around. I’ve gotten many signature cards with a
limit of $30,000.
PREMIER – Same as Signature. Limits are usually $30,000.
INFINITE – This is the absolutely best card around. However, it is incredibly hard to
find. If you do manage to get your hands on one of these, you are very lucky. There
are usually no limits to such cards.
It is important to note that all these numbers are subject to change depending on
the subject’s credit score, history, and spending pattern.
As previously mentioned in this guide, LEVEL 1 CARDING includes things such as
ordering food online, buying movie tickets, and carding products below $50 in
value. In this chapter, I will show you the process I go through when conducting a
level 1 transaction. For this, I will be carding 2 movie tickets on the website
- First of all, we will head to the Yahoo mail website to create a new email in
the name of the CVV holder. Please note I am already inside the clean hacked
Residential RDP close to the CVV holder’s address at this point. And I have
checked my setup on whoer.net and dnsleaktest.com as instructed (some
parts of the images have been blurred out to protect my privacy). Zoom in
the pictures if you need to do so.
- Now we will head over to the https://www.fandango.com/ website to get
our tickets. Make sure you “allow location” on the browser. The rest is pretty
straightforward, just look for tickets for the particular movie that you want
on the ZIP that you want to watch it at and go to checkout.
- Once we’re at the checkout, we need to complete the transaction within 7
minutes (fandango has a timer as you can see on the picture). Make sure you
DO NOT copy and paste the CVV details, type them like you would as a
normal buyer. Same for the name, expiration date and all other details. By
the way, for this specific transaction I used a VISA CLASSIC CREDIT CARD.
- As you can see, my transaction has been successful, and so should yours! If
you get a declined transaction, you did something wrong. Go back, retrace
your steps and check where you slipped. If you were successful, have a great
time at the movies!
Now that we have got the basics out of the way, we can move on to LEVEL 2
CARDING, which as mentioned previously involves such things as carding
background reports, credit reports, and physical products in the $100-$200-dollar
range. In this tutorial, I will be demonstrating 2 successful BACKGROUND REPORT
transactions, and a $100-dollar successful transaction at the website
https://www.jcrew.com/. Again, some parts of the images were blurred out to
protect my privacy.
- We’re going to start with the background report. So, first of all we will check
our setup by going to whoer.net and dnsleaktest.com and conducting the
tests as instructed previously.
- Once that is out of the way, we will navigate to the website we want to card
the background report in. In my case this website is
https://www.peoplefinders.com/ and https://www.infotracer.com/. Next,
we will search for our target’s name and buy his background report.
- Now let’s move on to the next successful transaction at the website
https://jcrew.com/. First, we will navigate to the website and create an
account there with a @yahoo.com email. Once that is done, we will navigate
to the account details page and add the victim’s CVV details and billing
address to the payment page and save it on the account as the default
payment method. Remember to do all of this and the steps below in your
actual hacked RDP, or it will not work. These websites log your IP address
and it will raise your fraud score, leading to a declined transaction if you
change it constantly or even once.
- Next, we will look around the website for something we want to purchase.
We need to act like a real shopper to cheat the website into thinking we are
a real buyer so we will spend 1-2 hours looking around the website, adding
things to our cart, removing them, and then we will leave 1-3 products in our
cart, preferably what we want to purchase and let the account rest for 1 day.
- In the next day, we will make our purchase. Navigate to the website, look
around it for around 30 minutes to 1 hour, and then make your purchase,
just like the picture below. You should have been successful, and this kind of
transaction will not require the billing address to be the same as the shipping
as we are not making a purchase of $200+ dollars. NEVER copy and paste the
CVV details as the website can easily tell you have done that and will raise
your fraud score. Always type everything like a normal buyer would with a
CVV on his hand. I do not recommend making your purchases during the
night or in the AM time unless it is 8AM or later AT THE CARDHOLDER’S
TIMEZONE, the reason for that is because these fraud systems analyze
literally everything and people rarely shop during these hours. Also, refrain
from shopping during the weekend, do it on the WEEK DAYS ONLY (Mon-Fri).
One little slip up could get you declined. You have to always be ten steps
ahead of the website fraud systems. And make sure you always choose the
fastest shipping method available. For this Jcrew order, I chose overnight,
and it arrived the next day at my drop.
Now this is where things start to get really interesting, and where the big money
lies in. You ever wanted to card thousands of dollars’ worth of electronics and
resell them for a quick, big profit? With this method this is completely possible,
however that doesn’t necessarily mean it is easy. Account-Take-Over is when a
fraudster poses as a genuine customer, gains complete control of an account and
then makes thousands of dollars in unauthorized transactions, sometimes even
maxing out the account and clearing out all the funds available. Lucky for you, I am
an expert in ATOing accounts and today I will teach you everything there is to
know about this fraud technique.
To even attempt an ATO, you will need to understand a couple of things. First of
all, is NEVER use CVV checkers that charge cards. This will burn cards instantly. I
personally recommend bit2checker.com if you want to check cards. They don’t
charge your cards and are fairly easy to use. They charge $0.01 cents for dead
cards and $0.02 cents for live cards, which is a great price. Alternatively, you can
use try2services.cm which is also a very reliable service. I personally prefer to
simply call the bank myself using a burner phone, spoofed with the CVV holder’s
phone and check the balance, credit access line, recent transactions and more
using the automated prompts. To spoof your phone, simply use
spoofmyphone.com, they are a great service and allow you to pay them in BTC.
Alternatively, you can use the service Many fraudsters used spooftel.com,
however they recently blocked toll-free numbers, so we can’t use them to call
Any transaction that involves an Account-Take-Over should be considered a LEVEL
3 CARDING transaction. As previously mentioned, these are transactions above
$300 dollars and up in value. Usually below $2000 however, as most cards will get
flagged for transactions above that number regardless of the ATO. You can always
make multiple transactions of $1000-$2000 however with ATOed accounts
through the span of a few days to a few weeks and max out the card.
If you call a bank using your burner and the automated prompt tells you the
account has been closed for security reasons or the system automatically transfers
you to an operator when you type the card number, that means the card is dead
and useless, ditch it and move on. Keep in mind that some banks will require the
victim’s SSN to access the account balance and menu prompt, Chase however does
not have this feature so it is considered the easiest for such a purpose although it
is the hardest to ATO. I recommend that you note down everything the automated
prompt will give you including most importantly, the account balance, credit line
access and recent transactions (up to 10 in case they ask you for it). The below
picture is an example of what you might want to do.
Once you have called the bank and checked everything, you should have the
victim’s balance, credit access line and recent transactions. With this information
you know how much you can spend on that card. However, there is still one more
obstacle we need to tackle, this is the fact that most high security websites such as
Newegg, TigerDirect, Neiman Marcus, Stockx, Saks… will refuse to ship to an
address that is not in file with the bank. To solve this, we will take over the victim’s
To do this, we will call the bank, talk to an operator and first request a change of
the primary phone number. Remember, this will require SOCIAL ENGINEERING,
which is something that requires training and experience. Don’t act nervous, act
like you own the account. Remember you are the account owner, why would you
be nervous? This is your account. Would you ever call your bank and act nervous? I
doubt. To do this, you will need to have the following information from your victim
in hand and preferably memorized.
- Full CVV number, expiration and, CSC code.
- Full billing address
- Date of birth (and don’t forget to write down his age as well)
- Social Security Number
- Mother’s Maiden Name (if you can’t find this, first try his middle name, and if
that doesn’t work then just try guessing using common last names in the
- Background Report
- Closest relatives date of birth (you can get this by carding their background
The most commonly asked tokens are MMN, SSN, DOB, billing address and card
details. All the other questions are only available through public records and will
not be asked by the first operator you get, only by the FRAUD DEPARTMENT. The
Fraud Department is a department that you can be transferred to if you answered
any questions wrong from the first operator or if he suspects you are nervous and
conducting an ATO on the account, that’s why it is very important to keep cool.
If you try changing the phone number and the bank asks for a one-time passcode
that will be sent to the cardholder’s phone, tell them you no longer have access to
the primary phone on file with them since it was disconnected recently when you
changed phone carriers. Give them your burner number, receive the text and give
it to them, that should work fine. If the system does not allow them to send a text
to your burner, then they will transfer you to the fraud department. At this point, I
recommend you hang up the phone as soon as they put you on hold, since the
fraud department will most likely not be able to conduct the change on the
account either and they will end up burning the card by telling you they will give
you a call back in 24-48h and they will first try the card holder obviously. Hang up
and let’s try another way.
At this point you have 2 choices. Either conduct a SIM swap on the victim’s phone
number by calling his phone carrier and claiming your SIM was
damaged/stolen/lost and you need to port it to a new phone you just bought with
a new SIM (this will require all the details needed to conduct an ATO as well and if
they ask you for the account PIN just tell them you forgot, which will lead them to
asking you security questions on the account or trying some other way, which
should work fine if you have the required information on your victim). This will
also require a NEW BLANK SIM FROM THE CARDHOLDER’S CARRIER.
Your next option is a little tricky and you will require 2 burner phones. First, you
will call the bank with the first burner and tell them to send the one-time
passcode, however before you tell them to send the passcode you will have to tell
them to hold for 5 minutes while you get your cellphone since you don’t have it
with you at the moment, during that hold call the cardholder with your 2nd burner
number SPOOFED to the bank’s toll free support number (e.g. 1-800-935-9935)
and social engineer him into giving you the one time passcode, you will have to be
fast with this. Below is an example of how the dialogue would play out.
- “Hello there, may I speak with Mr. Jason Bourne please?”
- “Hi there, this is James Magnolia calling on behalf of J.P. Morgan Chase Bank
Fraud Department, we are calling you to conduct an identity verification as
we have noticed some unusual activity on your account lately, did you call us
to change your primary billing address on file?”
- “What? NO! I didn’t try to change my address, what is happening??”
- “Okay Mr. Bourne, nothing to worry about, I would like to first apologize to
you for this inconvenience on behalf of Chase and its partners, but
apparently someone has tried to impersonate you and change the primary
billing address on your account on file with us. Would you please verify your
identity for me by receiving a one-time passcode and telling me what that
- “Yes, go ahead”
- “Okay, thank you for your patience and understanding Mr. Bourne, I will
have to put you on a brief hold while I send you the one-time passcode.
Please keep in mind Chase will not charge you for the text message, but
additional charges may be incurred depending on your phone provider.”
- At this point, put him on “hold”, and get back to your first burner to talk with
the bank operator again. Tell him okay I have the phone now, you can send
the text message. He will proceed to send the text message to the victim’s
phone. Then, you tell him to wait a little bit while you receive the text on
your cellphone and get back to your 2nd burner where the victim is on hold.
- “Hello there Mr. Bourne, thank you for your patience, I have just sent the
one time passcode to your phone, please keep in mind the code is only valid
for 5 minutes.”
- “Okay, I got it, the passcode is 023847027.”
- “Thank you very much Mr. Bourne, give me one second here while I verify
your identity with that code.”
- Get back to the bank operator, give him the code he told you and there you
go, you have just changed your phone number on file with the bank. Hang up
the call and get back to Mr. Bourne.
- “Alright Mr. Bourne, seems like we have you all verified now. Thank you very
much for your cooperation and again, we are very sorry for this
inconvenience. Do you have any further questions for me?”
- “No, thank you”
- “Awesome, have a great day Mr. Bourne and thank you for banking with
This dialogue will obviously not go EXACTLY like this, however, if you have all the
victim’s information it should be very easy to social engineer him. You can even
change this up, and create your own method.
Once you have changed the phone number, let the account sit for at least 5 days.
During that time, create an account with the .edu email as instructed previously on
the website that you want to card on your RDP and navigate the website every day
for 30 minutes to 1 hour, look at the products, click on them, add them to cart, ALL
INSIDE THE RDP. Act like a real shopper. Remember, some websites have really
good fraud systems in place and think of literally everything, so you really have to
be smart with this to trick them into thinking you are a legit shopper.
Then you call back the bank and change the billing address on file. You can also
choose to ADD an additional address to the account, it is really up to you. Again, to
change this, have the victim’s most commonly asked tokens in hand (SSN, MMN,
DOB, billing address, and your burner phone number since it is now the primary
one). Once your identity is verified with the tokens and you are inside the account,
tell the operator you have recently moved out of your address and would like to
update it. They will most likely ask you for the one-time passcode again, but this
time this should be a no-brainer since you have the primary phone number on the
account set up to your burner and the text will be sent there. Give them the code
and update the address, simple as that.
Now once you have changed the billing address, wait 1 day and make the purchase
on the website of your choice. Try to keep it under $2000, or the system may flag
it immediately, especially since the cardholder never makes such high value
purchases. Enter all the information correctly, your drop address that is now the
billing address on file with the bank, and your billing phone number that is the
same with the bank as well. Make both shipping and billing addresses the same,
this is CRUCIAL. Triple-check everything for accuracy.
You might be greeted by a Verified by Visa or MasterCard SecureCode prompt,
however this should be very easy to bypass if you have the required information
on the cardholder.
At this point, your order will go through and either one of two things can happen.
- The order goes through smoothly without any problem, and becomes
“pending”. You should’ve received an order confirmation email as well.
- The transaction gets declined and the website says you need to call your
bank. In this case, call the bank and the automated prompt will act as if the
card is burnt (transfer you to an operator automatically) and a fraud agent
will answer. Tell them you authorized the transaction, but is not sure why it
was declined. If you have ATOed the account correctly, then this should be
very easy. He may ask you some questions in relation to the victim’s
background report, but that should be easy to answer as well if you have all
the required information. When the agent tells you are all good to go, submit
the order again on the website and this time it should go through.
REMEMBER TO CALL AS SOON AS YOU GET THE DECLINED TRANSACTION
OTHERWISE THE BANK WILL RING THE CARDHOLDER AT THE OLD NUMBER
AND YOUR CARD WILL BE BURNT TO A CRISP!
- At this point you are all good to go and your order should be in “pending”
status. You should’ve also received an order confirmation email and will soon
receive an email that your order has been shipped. SUCCESS!
Many beginners and sometimes even advanced fraudsters, go through a
frustrating period in which their transactions constantly get declined. There are
many reasons for that and this section should be very helpful to curb such
mistakes. I have made A LOT of mistakes since starting this fraud journey, so I hope
you can learn from my mistakes and not make them again.
When you place an order of $1000 or more on a website, you need to understand
that A LOT of things take place to verify the authenticity of that transaction.
Merchants are not idiots, they do not want to lose money, and that is why the
biggest ones, with the biggest yearly revenue, have extremely high security
measures in place to curb fraudulent transactions. We need to be aware of such
measures to make sure all of our transactions are successful. Below is a list of the
most common reasons why orders get cancelled.
- Billing phone number does not match the one on file with the bank. This is
very common with rookie fraudsters, as they think the website will not check
that. However, THEY DEFINITELY WILL and if it’s not your burner phone
number, but the cardholder’s, you might run the risk of them calling the
cardholder and burning your card. Always remember to first change the
billing phone number on file with the bank to your burner and use that for
website purchases, this is CRUCIAL for LEVEL 3 CARDING transactions. If the
website does end up calling your burner billing phone number, they will
sometimes ask questions similar to the fraud department on the bank,
however these are all PUBLIC RECORD questions, which means they will be
available on the victim’s background report. If you have previously ATOed
the account, this should be quite easy to bypass. In some rare cases, they
might make a conference call with you and the bank, and you will be asked
the usual verification tokens (SSN, MMN, DOB…..).
- Carding one website and then in the same day carding another one. This is
another very common mistake committed by not only rookies, but also by
some veterans of the carding game. This is bad because multiple high value
transactions in the same day will look suspicious in your account and the
bank or merchant might flag that and decline your transaction.
- Carding websites in the cardholder’s time zone from 7PM to 7AM. Very
common mistake as well, and one that I committed myself when starting out.
Nobody purchases stuff during the AM hours and so a transaction at that
time looks highly suspicious not only to the bank, but to the website’s fraud
systems as well. I recommend only purchasing during the hours of 8AM to
3PM in the cardholder’s time zone. Anything above that is considered risky
and not recommended. Also, you do not want a transaction sitting for very
long on the person’s account, which makes carding in those hours extremely
bad. You never know how often the cardholder checks his bank statement
online. I’ve had cards that died within hours and others that lasted months.
Once the package is shipped, you can go ahead and card another store, no
need to wait for delivery. Repeat until the card is burnt. Once it is burnt,
ditch your mail drop and get a new one. NEVER REUTILIZE DROPS FROM
BURNT CARDS AS THE COPS MAY BE ALERTED.
- Using an IP address with a high-risk score, or high proxy score to conduct
the fraudulent transaction. This is quite probably the most common mistake
of this list. I have lost count of how many people I’ve seen that committed
this mistake. I have previously explained what these terms mean in the
FRAUD DICTIONARY in the beginning of this guide, so if you’re not familiar
with such terms, go back and read again. You need to ALWAYS use THE SAME
CLEAN, RESIDENTIAL, LOW PROXY AND RISK SCORE IP ADDRESS TO CONDUCT
YOUR TRANSACTIONS! I personally recommend RDPs over Socks5. Most
websites can bypass the Socks5 and see your real IP which 100% will lead to
a declined transaction. This is not possible with RDPs.
- Using Linux or Mac OS X to conduct fraudulent transactions. This is not as
common as other mistakes, however I have witnessed a lot of times as well
with my customers. The only operating system that should be used to
conduct these transactions is Windows 7, 8, 8.1 or 10 RDP. The reason for
this is because you want to appear to the website to be a legit shopper, with
a LEGIT COMMONLY USED OS, and not some fraudster using Kali
Linux/Qubes or OS X, this will make your order get declined instantly. RDPs
are also great because they won’t leave any trace of the fraudulent activity
on your actual HOST OS, which will leave any attempt to recover such logs
useless. You can use them, and once you’re done with them, never use the
- Using Opera, Internet Explorer, Tor, Brave or any other non-common
browser to conduct fraudulent transactions. I have seen a lot of people
commit this mistake, and it is quite common. As previously mentioned, you
want to appear to be as generic as possible to the website. You do not want
them to flag you as a unique user and a potential fraudster. Using such
browsers will cause transactions to be declined and are just not reliable for
such purposes. Tor and Brave are just completely out of the question and if
you used such browsers to conduct fraudulent transactions, frankly I feel
sorry for you. If you want to be successful in this, either use Chrome (best
option) or Firefox with 0 ADDONS AND 0 MODIFICATIONS.
- Using a CVV with a balance not high enough to successfully conduct the
transaction you want. This is something I see a lot of beginners do as well.
They usually get a CLASSIC Visa, and expect to be able to easily card over
$1000 in merchandise with that card. This is just not realistic. For that kind of
transaction, you want ON THE VERY LEAST a Platinum card. Websites will also
flag high valued transactions with such low limit cards instantly, which will
lead to declines and headache.
- Using a shipping address that differs from the CVV’s billing address. This has
been explained extensively, and you should already know that ANY
transactions that are considered LEVEL 3 CARDING, will not go through
without the proper Account-Take-Over and change of billing address to your
You should always keep in mind that NO METHOD IS PERFECT, and the website can
cancel your order simply because they do not feel it is safe to process it. Nothing is
perfect, but you ATOed the account correctly, it should be very easy. Remember to
always stay under $2000 per order and ALWAYS choose the fastest shipping
method available. Some say this raises flags, but if you did everything else
correctly, this should be the least of your concerns.
Now I am going to get into the topic of mail drops. This is going to be an extensive
chapter and I will list many methods to properly acquire drops. Mail drops are one
of the most important aspects of your carding setup, because how will you acquire
your carded items if you do not have a safe location to send them to and where
you can later collect them?
This has to be a place that has absolutely no link to your real-life identity and of
which there could be no possible way to be traced back to you or anyone else
related to you. Finding a drop is really simple, and the easiest way to find one is to
just drive around your neighborhood or walk around if you don’t have a car,
looking for new, empty houses for sale where you can ship the goods to. I honestly
recommend you do this in another city at least 10-15 miles away from your home,
as that will place some distance between where you live and your drop. However,
if you do not have a car this could be a real problem, so I recommend you just walk
around the neighborhood if you have this problem and find a house a couple of
blocks away from yours. You can go to zillow.com, craigslist or any other similar
website to find houses around your neighborhood for sale, a lot of them will also
have a sign up so it’s really a no-brainer to find one. You should preferably aim for
a house in which the driver cannot see that the house is empty inside, as that
could lead the package to be returned to sender. Just use your brain and find a
decent house that you think is worth giving it a shot. I have shipped things to
houses that clearly looked empty before with no problem, however I do not
personally recommend this.
Another thing you have to keep in mind is that those houses are usually owned by
someone or a real estate company, and they regularly showcase the house to
potential buyers. Try to monitor the house for one day, just park your car outside
of it and keep watching, to keep track of who goes in and out of that house and at
what times. You don’t want owners or real estate agents seeing a note left on the
door such as “NOT HOME LEAVE PACKAGES BY THE DOOR” as that could lead to
problems (they could contact the police, thinking someone broke in and is living in
the house) and an obvious burnt drop and lost package. Use a tape to glue your
note to the door and do not use actual glue, as that may lead to leaving sticky
paper residue on the door and you don’t want the owner to even wonder why is
that. You want to be as stealthy as possible so as to not burn the drop, only when
the actual card burns. I have had my fair share of mistakes, so learn from them.
You should track the package every day and depending if the package requires a
signature or not you will have to apply different techniques. The first method is to
just act like you are away and leave a note glued to your front door saying
something along the lines of “CURRENTLY AT WORK, PLEASE LEAVE PACKAGES BY
THE FRONT DOOR. TRACKING NRS:, FULL NAME, SIGNATURE. You can also
optionally print the confirmation page and glue that to the note as well just to
make sure. The driver is the one that makes the final decision to leave your
package or not, but usually this is not a problem for UPS when they don’t require a
signature. Leave the note on the door and wait somewhere near the house (this
could be inside your car) for the UPS guy. Once you see him leave the packages,
wait for him to leave and go over there and pick them up and put them in your car.
Next leave the area, open the packages, inspect for any tracking devices and throw
away the packaging somewhere that is not close to your house.
The second method is when a signature is required. This will mean you will have to
meet face-to-face with the driver and sign the package. Remember TO NEVER ACT
NERVOUS OR THEY MIGHT ASK FOR ID. The driver’s job is not to investigate fraud,
but only to make sure the packages are delivered to the right person. When
packages don’t get delivered and a claim is filed with the carrier, it is taken out of
the driver’s own salary, so KEEP THAT IN MIND! You must make him believe the
package is yours. For this, I recommend you have in your hands a print-out of the
order confirmation page and the tracking number open on your smartphone
(OBVIOUSLY USE A VPN, NORDVPN PREFERABLY), and look like you have been
waiting for him. You could do this simply by waiting at the drop, sitting on the
front lawn or something similar. Do not wait in your car and then when he arrives
suddenly come out of the car. That is very very suspicious and will lead him to ask
you for ID.
I also recommend calling the bank’s automated prompt system and checking if the
card is dead prior to showing up at the address. You do not want cops to outsmart
you. When you have the packages, drive to somewhere away from the drop, open
the packages, inspect them for any tracking devices, get rid of the packaging and
shipping label (burn it if you can) and drive home.
If the card is still valid and there was no tracking device on the packaging, you can
keep carding to that drop until the card burns. Get as much out of it as you
possibly can before moving on to another one. Once that is done, NEVER SHOW
YOUR FACE TO THE DROP AGAIN! Below I will list some more methods to acquire
mail drops, you can choose the one you feel most comfortable with.
- GENERAL DELIVERY: In the United States, you can send a package to a USPS
office via “General Delivery”. Unfortunately to use this drop method you will
require a Fake ID as they require one to go pick up the package. There is also
the downside of cameras. Example of the format to send package to General