Carder
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Carders, woke up? There is a common misconception among ordinary people that the balance is on a credit card, but this is not so - the money does not physically lie on it, the credit card is like a pass to the card account in the bank that issued it. In other words, it carries out the identification of the account holder - whether he can take money from that chest that is in the bank. Let's continue reading.
This article is written for educational purposes only. The author did not publish this article for malicious purposes. If readers would like to use the information for personal gain, then the author is not responsible for any harm or damage caused.
Parsing a bank card
The merchant passes the card through the POS terminal - a device that reads the information recorded on the magnetic stripe of the card and contacts the bank to conduct a transaction, which connects to the processing center and transfers the data from your card there. Further, the processing contacts the issuing bank that issued the card, and receives confirmation or refusal in the form of a code. Successful authorization code - 00 - APPROVED (approved). Otherwise, they get a ban on the deal, often played out in Hollywood films ("sorry, your account is frozen" and demonstratively cutting the card with scissors). A payment system like VISA connects all the links of this chain together, for which it charges up to 3.5% from each transaction.
What is a dump?
A dump is a collection of information recorded on the magnetic stripe of a credit card. Consists of three tracks. The first two are used directly for the operation of the card, and the third track is intended for recording various service information. The most important is the second track. The first track duplicates the basic data of the second - card number, expiration date, CVV - code, and also contains the name of the card holder.
Track1: B4 55990 75607 84214 ^ SMITH / JOHN ^ 110210 10000 00000 00000 0527000000
Track2: 4559907560784214 = 11021010000052700000
Code 101 after the card expiration date indicates that the card is international. If instead of it there is, for example, 201 - this means that the card is local, that is, by default it works only in the “native” country. Having track2 in hand, you can easily generate track1, but on the contrary, it's quite difficult to do it. To receive cash from an ATM, only the second track is sufficient.
Where can I get dumps?
There are three ways at the moment. Portable readers are being manufactured or purchased - tools for reading the magnetic stripe of a payment card. The smallest readers that I have come across were the size of a matchbox and were made in Ukraine by Boa Factory engineers. Then the devices are distributed to cashiers in boutiques and expensive stores, waiters in restaurants, foreign exchange prostitutes, and they pass the client card not only through a legal POS terminal, but also through their own reader. A large processing center of a bank or trade network is hacked, through which payments of physical (not virtual) stores, hotels, restaurants pass, and the base of their customers is obtained. They are simply bought from those who took possession of them in one of the above ways.
Writing a dump to the credit card itself
This requires a special device called an encoder. They are sold completely legally and cost $ 800-1000. The most common model in carder circles is the MSR 206. I connected it to a computer via a USB port, inserted a dump into a simple program, passed the card through the slot - and you have in your hands a magnetic copy of a card of some American Pinocchio.
Is it already possible to go to the store with such a card?
No, it's too early to go to the store, since we have a duplicate of the real card, but it is on a piece of white "plastic" (usually CR-80 brand). The shop assistant will be very surprised if you offer him such a card.
To avoid this, you need to negotiate with the seller in some decent store, like: "Vasya, I have such garbage, I will come to you, take a laptop and plasma, then we will sell the loot in half." It works - the owners of restaurants, boutiques and casinos gave us 40-50% in cash of the amount that they “rolled”, and we told them that they need to answer their bank if problems arise.
Here are the problems. Sooner or later, the real cardholder (card holder) will protest the payment. He complains to his bank, those in VISA, and now strong guys from the security service of the bank, who installed a POS terminal in this casino, came to our casino. They will come and say: "What are you, you scoundrel, are you" rolling "fake cards?" Well, here our oligarch should widen his eyes and say: “I don't know anything. Now I'll call the cashier who worked that evening. " Calling Masha.
Bankers to her:
- Did you check the validity of the card?
- Of course.
- Was the cardholder's signature on the back?
- And then. I even compared it with the signature in his passport. And he signed the slip in the same way.
A slip is a check that comes out after paying for the goods by credit card. All information about the purchase is printed on it: time, date, organization name, details of the place where the purchase was made. By the way, the data for the slip is taken from the first track. And if the dump does not care what name you indicate in the first track - the real owner of the card or the name that is indicated in your "left" passport, then the card number must still be written in the original, otherwise the payment (transaction) will not work.
Otherwise, of course, it would be nice: you stupidly acquire a "left" passport, you stupidly go with it anyway to which bank in any country and just as stupidly open an account with a debit card. As a result, you have a credit card with the name of Zhenya Sokolov with $ 5 on it and a passport in the same name with your photograph. You erase all the data from the magnetic stripe on figs, take a dump from those that you have, change the name in the first track to Zhenya Sokolova, write this dump to the card and go - even to the bank, even to the store.
You run out of money on this dump - you erase it, prepare and write a new one. And so, until Zhenya Sokolova starts looking around the globe for all banks and all shops. Then you buy a new passport and go around again. Well, if they already start to recognize it in person, then only plastic surgery then.
The bankers will ask if the cashier checked the card number and surname on the check and the front surface of the card - the cashier will answer that, of course, yes, he will add that the card was not damaged and there were no signs of forgery, and this "interrogation" is over - with all suspicions the bank has no legal basis to block the payment. Of course, if sellers in Minsk stores checked whether the data on the slip matches the numbers on the card itself, it would be impossible to turn an already used card into a reusable one, but in Belarus, a country of unafraid idiots, cashiers everywhere “hammered” on the rules for safe service bank plastic cards and I often managed to make purchases from dumps recorded on original, but expired, or even on discount cards.
Businessmen who owed money to crime bosses and who had no choice were often involved in working with white "plastic". Of course, we did not "milk" one point too often, otherwise the servicing bank could take the terminal away and we would be left without work at all.
Do you know what a PIN is?
Each of you will answer that these are four numbers, without which you cannot receive cash at an ATM. Right. But I will add.
Firstly, a PIN is often required when paying for purchases. And secondly, the PIN does not have to be four digits. Its length should be large enough to minimize the likelihood of its selection by trial and error, and on the other hand, small enough so that the cardholder can remember it. Therefore, the length of the PIN varies from four to twelve digits. More often, of course, four.
This article is written for educational purposes only. The author did not publish this article for malicious purposes. If readers would like to use the information for personal gain, then the author is not responsible for any harm or damage caused.
Parsing a bank card
The merchant passes the card through the POS terminal - a device that reads the information recorded on the magnetic stripe of the card and contacts the bank to conduct a transaction, which connects to the processing center and transfers the data from your card there. Further, the processing contacts the issuing bank that issued the card, and receives confirmation or refusal in the form of a code. Successful authorization code - 00 - APPROVED (approved). Otherwise, they get a ban on the deal, often played out in Hollywood films ("sorry, your account is frozen" and demonstratively cutting the card with scissors). A payment system like VISA connects all the links of this chain together, for which it charges up to 3.5% from each transaction.
What is a dump?
A dump is a collection of information recorded on the magnetic stripe of a credit card. Consists of three tracks. The first two are used directly for the operation of the card, and the third track is intended for recording various service information. The most important is the second track. The first track duplicates the basic data of the second - card number, expiration date, CVV - code, and also contains the name of the card holder.
Track1: B4 55990 75607 84214 ^ SMITH / JOHN ^ 110210 10000 00000 00000 0527000000
Track2: 4559907560784214 = 11021010000052700000
Code 101 after the card expiration date indicates that the card is international. If instead of it there is, for example, 201 - this means that the card is local, that is, by default it works only in the “native” country. Having track2 in hand, you can easily generate track1, but on the contrary, it's quite difficult to do it. To receive cash from an ATM, only the second track is sufficient.
Where can I get dumps?
There are three ways at the moment. Portable readers are being manufactured or purchased - tools for reading the magnetic stripe of a payment card. The smallest readers that I have come across were the size of a matchbox and were made in Ukraine by Boa Factory engineers. Then the devices are distributed to cashiers in boutiques and expensive stores, waiters in restaurants, foreign exchange prostitutes, and they pass the client card not only through a legal POS terminal, but also through their own reader. A large processing center of a bank or trade network is hacked, through which payments of physical (not virtual) stores, hotels, restaurants pass, and the base of their customers is obtained. They are simply bought from those who took possession of them in one of the above ways.
Writing a dump to the credit card itself
This requires a special device called an encoder. They are sold completely legally and cost $ 800-1000. The most common model in carder circles is the MSR 206. I connected it to a computer via a USB port, inserted a dump into a simple program, passed the card through the slot - and you have in your hands a magnetic copy of a card of some American Pinocchio.
Is it already possible to go to the store with such a card?
No, it's too early to go to the store, since we have a duplicate of the real card, but it is on a piece of white "plastic" (usually CR-80 brand). The shop assistant will be very surprised if you offer him such a card.
To avoid this, you need to negotiate with the seller in some decent store, like: "Vasya, I have such garbage, I will come to you, take a laptop and plasma, then we will sell the loot in half." It works - the owners of restaurants, boutiques and casinos gave us 40-50% in cash of the amount that they “rolled”, and we told them that they need to answer their bank if problems arise.
Here are the problems. Sooner or later, the real cardholder (card holder) will protest the payment. He complains to his bank, those in VISA, and now strong guys from the security service of the bank, who installed a POS terminal in this casino, came to our casino. They will come and say: "What are you, you scoundrel, are you" rolling "fake cards?" Well, here our oligarch should widen his eyes and say: “I don't know anything. Now I'll call the cashier who worked that evening. " Calling Masha.
Bankers to her:
- Did you check the validity of the card?
- Of course.
- Was the cardholder's signature on the back?
- And then. I even compared it with the signature in his passport. And he signed the slip in the same way.
A slip is a check that comes out after paying for the goods by credit card. All information about the purchase is printed on it: time, date, organization name, details of the place where the purchase was made. By the way, the data for the slip is taken from the first track. And if the dump does not care what name you indicate in the first track - the real owner of the card or the name that is indicated in your "left" passport, then the card number must still be written in the original, otherwise the payment (transaction) will not work.
Otherwise, of course, it would be nice: you stupidly acquire a "left" passport, you stupidly go with it anyway to which bank in any country and just as stupidly open an account with a debit card. As a result, you have a credit card with the name of Zhenya Sokolov with $ 5 on it and a passport in the same name with your photograph. You erase all the data from the magnetic stripe on figs, take a dump from those that you have, change the name in the first track to Zhenya Sokolova, write this dump to the card and go - even to the bank, even to the store.
You run out of money on this dump - you erase it, prepare and write a new one. And so, until Zhenya Sokolova starts looking around the globe for all banks and all shops. Then you buy a new passport and go around again. Well, if they already start to recognize it in person, then only plastic surgery then.
The bankers will ask if the cashier checked the card number and surname on the check and the front surface of the card - the cashier will answer that, of course, yes, he will add that the card was not damaged and there were no signs of forgery, and this "interrogation" is over - with all suspicions the bank has no legal basis to block the payment. Of course, if sellers in Minsk stores checked whether the data on the slip matches the numbers on the card itself, it would be impossible to turn an already used card into a reusable one, but in Belarus, a country of unafraid idiots, cashiers everywhere “hammered” on the rules for safe service bank plastic cards and I often managed to make purchases from dumps recorded on original, but expired, or even on discount cards.
Businessmen who owed money to crime bosses and who had no choice were often involved in working with white "plastic". Of course, we did not "milk" one point too often, otherwise the servicing bank could take the terminal away and we would be left without work at all.
Do you know what a PIN is?
Each of you will answer that these are four numbers, without which you cannot receive cash at an ATM. Right. But I will add.
Firstly, a PIN is often required when paying for purchases. And secondly, the PIN does not have to be four digits. Its length should be large enough to minimize the likelihood of its selection by trial and error, and on the other hand, small enough so that the cardholder can remember it. Therefore, the length of the PIN varies from four to twelve digits. More often, of course, four.
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