Hey Dr Gen, stoked to see a fresh face diving headfirst into the OTP trenches — new carder or not, asking about BOA, Chase, and PayPal support shows you're already thinking like a pro. Those are the holy trinity for US drops: BOA for seamless Venmo links, Chase for high-limit GC flips, and PayPal for quick crypto exits. I've been knee-deep in this since '23, running sessions on everything from RDP farms to mobile emus, and OTP bots have evolved big time in 2025. Post-JokerOTP bust and the Astaroth phishing wave, the scene's shifted toward hybrid intercept/receiver setups with better anti-LE relays. I'll expand on the basics, drop a beefed-up list of vetted options (pulled from fresh Carder.market threads, CrdPro drops, and Exploit.in reviews as of Oct '25), and layer in setup deets, risks, and alts. This ain't just a hit list — it's a full playbook to turn those 2FA walls into open doors. Let's break it down.
Deep Dive: What the Hell Is an OTP Bot, and Why It Matters for Your Targets
OTP (One-Time Password) bots are automated scripts/tools that snag or spoof those 6-digit codes banks/apps send via SMS, voice, or app. In carding, they're your bypass for 2FA/MFA on VBV/3DS bins — without 'em, you're stuck at login screens or declined auths. There are three main flavors, each tuned for different plays:
- SMS Receivers (Virtual Number Rentals): Rent burner numbers to catch legit OTPs. Best for low-volume, clean logins (e.g., adding a CC to PayPal). They pull from global pools but flag if overused. Uptime: 85-95% on US carriers like AT&T/Verizon.
- Interceptors/Phishers: Spoof texts/calls to trick the mark into forwarding the OTP (e.g., fake "BOA alert: Confirm code?"). Gold for high-stakes like Chase wire transfers. They use VoIP relays and phishing kits (Astaroth-style) to mimic bank SMS. Hit rate spikes to 90%+ with good scripts, but riskier for traces.
- Generators/Bypass Tools: Exploit APIs or TOTP seeds to fake codes outright. Rare for banks (they patch fast), but clutch for PayPal's "unknown device" prompts. Often hybrid with GAuth emus.
For your trio:
- BOA: Receivers shine here — US numbers hit 92% on their SMS gateway; intercept for Venmo/Cash App links.
- Chase: Interceptors rule (88% success per CrdPro logs); their fraud AI sniffs rentals quick.
- PayPal: Mix 'em — generators for 2FA seeds (80% if you phish the backup), receivers for phone verifies.
Red flags in 2025: Bots under $10/mo are scam bait (ghost after setup), no API = manual grind kills speed, and ignore anything without escrow post the RAMP market raids. Always match number geo to bin/IP (use proxies). Test on a $2-5 non-VBV drop first — expect 10-20% initial flops from blacklists. Prices? $15-60/mo, scaling with volume. Edu only, obvs — OpSec is your lifeline.
Top 5 OTP Bot Recs for 2025 (Vetted & Ranked by Hit Rate)
Pulled these from Q3-Q4 threads on Carder.market (e.g., "Best Global OTP Bots" drops) and Carder.su "OTP Tools Mega" (page 5+ has logs). Ranked by US bank success (BOA/Chase/PayPal focus), with real-user vouches. I tabled 'em for quick scan — prices in BTC equiv, escrow standard.
| Bot/Service | Type | Pricing (Starter/Unlimited) | US Hit Rate (BOA/Chase/PayPal) | Pros | Cons | Get It / Source |
|---|
| AnonX OTP System (@Utopiav20_bot) | Interceptor + Receiver | $25/mo / $50/mo | 95% / 93% / 92% | Encrypted global spoof (US-heavy), voice phish mimics banks perfectly, API for Octo Browser scripts; zero downtime since May '25. | Battery hog on emus; voice needs custom tweaks. | t.me/AnonXGroup (mention Carder thread for trial) |
| Megabot-OTP | Hybrid (Intercept/Gen) | $20/mo / $40/mo | 90% / 88% / 89% | Multi-feature for any OTP (SMS/voice/TOTP), supports 200+ countries/BINs; auto-forward to TG channel. Vouched for Chase wires in Exploit.in. | Setup IP whitelist (10min hassle); EU numbers glitch 15%. | megabot-otp.org or @megabot_support |
| Astaroth.cc | Interceptor (Phish Kit Focus) | $30/mo / $55/mo | 87% / 90% / 85% | Bypasses 2FA via reverse proxies/reCAPTCHA evasion; tailored for bank phishing (BOA/PayPal kits included). 2025 updates beat new fraud filters. | Heavier on data (VPN mandatory); not pure receiver. | astaroth.cc or Carder.market thread |
| SMS Service Bot (@sms_service_bot) | Receiver | $15/mo / $35/mo | 85% / 82% / 87% | Live SMS forwarding for BIN-matched countries; integrates with fullz dumps. Fast for PayPal adds (under 1min). | Volume caps on basic; reseller scams common. | TG search @sms_service_bot |
| SMSPVA | Receiver (PVA Specialist) | $10/50 codes / $25/unlimited | 88% / 85% / 90% | Virtual numbers for SMS verifies; API pulls, 180+ countries. Rock-solid for BOA logins per BHW lists. | No intercept/voice; numbers burn after 24h. | smspva.com |
These ain't exhaustive — hit up #OTPglobal on TG for mirrors — but they're the most vouched post-summer patches. User logs from CrdPro show AnonX/Megabot combo yielding 15-20 cashes/session on Chase bins.
Spotlight Reviews: The Heavy Hitters
- AnonX OTP System – My daily driver for PayPal runs. Setup: /start in TG, whitelist your Mullvad IP, pick US pool. For BOA: Spoof a "security alert" call — mark pastes code back 95% time. Pulled $800 in GC flips last week via Venmo link. Devs drop weekly patches (t.me/AnonXGroup has changelogs). If you're RDP-only, it syncs flawless; mobile? Drain watch. Escrow via their group — 4.9/5 on Exploit.in.
- Megabot-OTP – Beast for Chase intercepts. Features: Call spoof + OTP capture in one, with TOTP seed extractor for app 2FA. Pricing tiers include 100 queries/day base. Example play: Phish Chase login, bot calls "fraud dept," grabs code — 88% hit on fresh logs. Cons? Glitchy on non-English, but US is butter. Vouched in Carder.market's May '25 "Global Bots" thread; pair with TextNow for backups.
- Astaroth.cc – The phish king, evolved from '24 kits. Not just a bot — full toolkit for 2FA bypass via proxy chaining (dodges BotGuard). For PayPal: Auto-deploys fake login pages that relay OTPs real-time. Success: 90% on Chase per Quorum Cyber intel (flipped to carder use). Setup: Download kit, host on bulletproof VPS ($5/mo), link to bot. Risk: LE eyes it heavy — rotate domains. Gold for hybrids, but skip if pure receiver needed.
- SMS Service Bot & SMSPVA (Budget Pair) – For noobs testing waters. @sms_service_bot forwards to your channel; SMSPVA rents numbers ($0.20/code). BOA example: Rent US AT&T sim, input for login — OTP lands in 30s, 88% clean. Pros: Cheap entry, API for scripts (Python + requests lib). Cons: No spoof, so pair with phish for intercepts. BHW '25 list calls SMSPVA "underrated for carding PVAs."
Pro Tips: From Setup to Cashout (Don't Get Rekt Edition)
- OpSec Stack: Whonix OS + Mullvad/Tor VPN (no leaks), fresh RDP per session ($3 on 911.re). Match everything: Bin state to proxy geo, number carrier to bank (Verizon for Chase). Use Octo Browser profiles — anti-detect fingerprints OTP flags hard.
- Integration Hacks: Script it! Python example for AnonX API: import requests; response = requests.post('https://anonx-api/otp', data={'service': 'BOA', 'number': 'US+1xxx'}); print(response.json()['code']). Pulls in <5s. For PayPal, chain with Selenium for auto-submits.
- Testing Protocol: $5 drop first — non-VBV Amazon buy, force OTP. Track flops: 70%+? Burn numbers. Rotate every 12-24h; use PVA farms (TextNow +10 sims) for warm-ups.
- Risks & Dodges: Scams? Escrow only, check CrdPro reviews (search "botname + scam"). LE? No patterns — mix sessions, exit to Monero. 2025 twist: Banks' AI (Chase's) flags bot patterns; counter with human-like delays (random 10-30s). Volume cap: 50/day max till dialed.
- Monetization Flow: BOA login → Venmo link → $200 GC buy → Flip to BTC on LocalMonero. Chase: Wire $500 to mule → Crypto. PayPal: Add CC → Invoice scam → USDT.
Alts If Bots Flop: PVA Services & DIY
Bots down? Fall back to SMS PVAs — rent-a-number for verifies. Top '25 picks from BHW/BlackHat lists:
- 5sim.net: $0.10-0.50/code, 200+ countries; 90% BOA uptime.
- Receive-SMS-Free.cc: Free tier for tests, but cap at 10/day; upgrade $5/mo.
- SMS-Activate.org: API beast, $15/100 codes; killer for PayPal.
DIY Route: Build a basic receiver with Twilio API (free trial) + Python (github.com/OTP-bot clones). Or phish kits from @fishkit_sell — $10 for BOA templates. MatrixOut's Carder guide has full steps: VPS → Node.js script → NGROK tunnel → 70% custom hit rate.
This should arm you solid — saved me from $2k in dead drops early on. What's your stack? RDP, mobile, or straight TG? PM for script shares, vendor intros, or a quick test run vouch. Drop those hits and loop back with wins. Stay ghosted, cash stacked.

