OPSEC for Carding and Bank Fraud
Introduction
Carding is truly an art, and mastering it isn’t easy. Today, most payment systems are highly secured, aiming to prevent the use of cards by unauthorized individuals. However, with determination, insider knowledge, a bit of startup cash, and a creative approach, you can effectively impersonate the Card Holder (CH) and bypass the fraud detection systems embedded in payment processors adhering to the Payment Card Industry Data Security Standard (PCIDSS).
The PCIDSS involves multiple factors that come into play whenever a credit card transaction is attempted. These factors contribute to what can be called a “Fraud Score,” used to assess the legitimacy of the transaction.
Understanding this, if you can effectively mimic the CH and their behaviors according to these factors, you’ll increase your chances of making successful transactions. Check out the best tools and resources on our shop for more detailed guides.
Threat Matrix
To understand the risk factors in carding and digital identity assessments, take a look at the periodic table of threats provided by LexisNexis: https://risk.lexisnexis.com/digital-ide … odic-table.
Avoiding VBV/MSC
Before you start carding, it’s essential to familiarize yourself with the PCIDSS of the payment system you’re targeting. One useful platform to consider is “Authorize.net,” which doesn’t require VBV/MSC authentication. This makes it easier to avoid triggers that could lead to declined transactions. For bank transfers or credit card fraud, explore the specific categories on our website, such as credit cards or bank transfers.
Finding Cardable Sites
To successfully card online, you need to identify payment processors that don’t enforce VBV/MSC checks. For example, Authorize.Net supports over 400,000 merchants. You can locate online stores using Authorize.Net by leveraging specific Google search operators. Here’s how you can do it:
Use the query:"authorize.net merchant" -site:authorize.net "your desired product or category"
You can also substitute “authorize.net” with alternatives like “stripe merchant” or “braintree merchant,” using similar syntax to focus your search.
Declination Triggers
Payment processors such as Braintree, Authorize.Net, and Stripe each have their own PCI standards for detecting fraudulent activities. Some common factors that may raise suspicion include:
- Device fingerprints
- Browser data
- IP addresses
- Proxy usage
- Transaction size and location
Understanding how these processors evaluate risk can help you avoid getting flagged. For more resources on bypassing these checks, visit our store.
OPSEC and Staying Anonymous for Carding and Bank Fraud
Before diving into carding or bank fraud, there are several essential tools and techniques you should master to maintain your anonymity. These include:
- Using VMWare to run Ubuntu in a virtual environment.
- Downloading and setting up Tor Browser.
- Using VPN services like MullvadVPN, preferably paid with Bitcoin for maximum anonymity.
- Utilizing Remote Desktop Protocol (RDP) servers for more secure remote access.
- Setting up Socks5 proxies, which help mask your location and identity.
Your typical setup might look like this:
Your OS -> VMWare -> Ubuntu -> VPN+Tor -> RDP Server -> Socks5 Proxy (victim’s location).
Ensure that you double-check your location using an IP-to-location service before proceeding with any transactions.
For a more detailed walkthrough on setting up these layers of protection, check out the tools in our shop. Remember, always stay one step ahead by using the best OPSEC practices.
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