All about carding [updated 2022]

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Hello Guys, if you were a victim of carding fraud or really want to understand what is Carding and how it should be done then here I prepared the document which will clear the basic understanding.

Nowadays, we see the trend of credit card fraud, it is increasing daily and new techniques are being discovered to hack credit card info and use it for malicious purposes.

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As everything goes cashless, using a credit card will be necessary for everyone. This is the reason people should be aware of how carding fraud is done and learn how to become not become a victim.

There are many ways to get credit card details available on the internet through Darknet sites and on TOR sites (Data Leak .etc.).

DISCLAIMER: Our intent is to spread awareness about carding. We’re not responsible if any damage occurs. This is for educational purposes only.

Key Takeaways

  • Carding or hacking is an unauthorized 3rd-party attack. These hackers steal credit card details to buy prepaid gift cards. 
  • Plastic money fraud can be avoided by users by ensuring the website’s credibility before making any transactions.
  • Physical Skimming, Web Skimming, fraudulent sites, fraud calls, & random guesses are the common hacking methodologies. 
  • Websites can prevent attacks by using AVS, CAPTCHA, Geological IP checks, and CVV Validation.

What is Carding

Credit Card,carding

Carding (also known as credit card stuffing and card verification) is a web security threat in which attackers use multiple, parallel attempts to authorize stolen credit card credentials. Carding is performed by bots, software used to perform automated operations over the Internet. The objective of carding is to identify which card numbers or details can be used to perform purchases.

Besides the damage caused to car owners, a carding attack can negatively affect businesses whose websites are used to authorize stolen credit cards. Carding typically results in chargebacks – these are disputed transactions that result in a merchant reversing the transaction and refunding the purchaser’s money.

Chargebacks can happen for legitimate reasons (for example an erroneous purchase or a clerical error) but are very often the result of fraud techniques like carding. Every chargeback hurts a business’s reputation with credit card processors. Carding executed against a website can lead to poor merchant history and chargeback penalties.

Credit Card,carding

Inside a Carding Forum

A carding forum or carding website is an illegal site used to share stolen credit card data, and discuss techniques for obtaining credit card data, validating it, and using it for criminal activity.

These forums are used by individuals who want to use stolen card information to illicitly purchase goods, or by criminal groups who seek to purchase credit card details in bulk to sell them on the dark web.

Carding forums are often hidden using TOR routing, and payments made for stolen credit card data are performed using cryptocurrency to avoid tracking by the authorities. Forum users typically hide their identities.

Forums are a source of credit card data for carding, and can also be used to share the results of carding – for example, to sell successful credit cards to other criminals.

How a Carding Attack Works

A carding attack typically follows these steps:

  1. An attacker obtains a list of stolen credit card numbers, either from a criminal marketplace or by compromising a website or payment channel. Their quality is often unknown.
  2. The attacker deploys a bot to perform small purchases on multiple payment sites. Each attempt tests a card number against a merchant’s payment processes to identify valid card details.
  3. Credit card validation is attempted thousands of times until it yields validated credit card details.
  4. Successful card numbers are organized into a separate list and used for other criminal activity, or sold to organized crime rings.
  5. Carding fraud often goes undetected by the cardholder until it is too late when their funds are spent or transferred without their consent.

Attack Example: Carding Gift Cards

Hackers designed a malicious bot named GiftGhostBot to hack gift card balances. Nearly 1,000 eCommerce websites fell victim to this attack.

Criminals used this bot to enumerate possible gift card account numbers, and automatically request the balance account of each card number. When a card balance was identified, instead of the usual error or zero, this meant the gift card number had real money associated with it. The crooks then used the validated gift card numbers to make purchases.

This is a card cracking or token cracking attack. For a cyber thief, the beauty of stealing money from gift cards is that it is typically anonymous and untraceable once stolen.

Detecting Card Fraud

Here are several pays payment websites that can detect that carding bots are accessing their sites or that other fraud techniques may be taking place:

  • Unnaturally high shopping cart abandonment rates
  • Low average shopping cart size
  • An unnaturally high proportion of failed payment authorizations
  • Disproportionate use of the payment step in the shopping cart
  • Increased chargebacks
  • Multiple failed payment authorizations from the same user, IP address, user agent, session, device ID, or fingerprint

Key points in carding method

Computer (PC)

For doing carding always use a computer. I know some methods of using a mobile device, but it is less secure and involves more risk.

SOCKS

SOCKS stands for SOCKet Secure. It is an internet protocol that allows client and server traffic to pass through a proxy server, so real IP is getting hidden and proxy IP gets reflected. This is useful while carding because the carder wants to use the credit card holder’s location while doing it. Users can buy SOCKS.

Mac Address Changer

MAC stands for Media Access Control. It is the unique address of every Network Interface Card (NIC). A MAC Address Changer allows you to change (spoof) the Media Access Control (MAC) Address of your Network Interface Card (NIC) instantly.

CCleaner

It is a very useful tool to help in cleaning your browsing history, cookies, temp files, etc. Many people ignore this part and get caught, so be careful and don’t forget to use it J

RDP (Remote Desktop Protocol)

RDP allows one computer to connect to another computer within the network. It is a protocol developed by Microsoft.

Basically, carders use it to connect to computers of the geolocation of the person whose credit card the carder wants to use. It is used for safety and stays anon. Here carders use others’ PC for doing carding instead of their own.

DROP

DROP is an address that the carder uses for the shipping address in the carding process. Let me explain in detail with an example:

If I am carding with a US credit card, then I use a USA address as the shipping address then my order will be shipped successfully, and I will be safe. If you have relatives/friends, then no problem, otherwise use sites that provide drop services only we have to pay extra for shipping it.

Credit card

This part is very much important so read it carefully. Any credit card is in the following format:

credit card Number |Exp Date| CVV2 code | Name on the Card | Address | City | State | Country | Zip code | Phone # (sometimes not included depending on where you get your credit card from)

e.g.: (randomly taken number/details)

4305873969346315 | 05 | 2018 | 591 | UNITED STATES | John Mechanic | 201 | Stone Wayne Lane | Easternton | MA | 01949

Types of credit card

Every Credit card company starts their credit card number with a unique number to identify individually like shown below

  • American Express (AMEX Card) – 3
  • Visa Card – 4
  • Master Card – 5
  • Discover (Disco) – 6

Company-wise credit card details

Visa

  1. Classic: The Card is used worldwide in any locations designated by Visa, including ATMs, real and virtual stores, and shops offering goods and services by mail and telephone.
  2. Gold – This card has a higher limit capacity. Most used card and adopted worldwide.
  3. Platinum – The card is having limits over $10,000.
  4. Signature – No preset spending limit – great bin to get
  5. Infinite – Most prestigious card with virtually no limit. There is less in circulation so be alert when buying these. Use only with reputable sellers!
  6. Business – it can be used for small to medium-sized businesses, but usually has a limit.
  7. Corporate – it can be used with medium to large size businesses, having more limits than a Business card.
  8. Black – It has limited membership. It has no limit only having a $500 annual fee, a high-end card.

MasterCard

  1. Standard – it is the same as a classic visa card.
  2. Gold – it is the same as a visa gold card.
  3. Platinum – it is the same as a visa platinum card
  4. World – it has a very high limit.
  5. World Elite – it is virtually no limit, high-end card.

Amex Card

  1.   Gold – it usually has around a 10k limit.
  2.   Platinum- is usually has a higher limit (around 35k).
  3.   Centurion – it has a High limit (75k+). It is also known as the black card, note: do not confuse it with visa black card.

FAQS

Now we can start with some of the questionnaire and basic concepts before starting the practical process of Carding.

Sources:

Acronyms

  • Bank Identification NumberCC: Credit Card
  • CCN: Credit Card Number
  • CVV/CVV2: Credit Verification Value (Card Security Code)
  • SSN: Social Security Number
  • MMN: Mother Maiden Name
  • DOB: Date Of Birth
  • COB: Change of Billing
  • VBV: Verified by Visa
  • MCSC: MasterCard Secure Code
  • POS: Point of Sale
  • VPN: Virtual Private Network
  • BTC: Bitcoin

Personal Advice

  1. Normal users: Keep your credit card in safe hands. Keep changing the credit card PIN on a monthly basis. Do not make the online transaction from unknown system/mobile.
  2. Who wants to learn to card – I observed many of the newcomers try to be smart and got ripped multiple times. Don’t do it, it’s finally your loss.
  3. Carding is Illegal activity. Do not do it. If I get caught, then, you will be in trouble.
  4. Be safe and have fun

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