What is merchant (merch for carding)?

[Teacher]

It is customary to call an online payment system on any website a merchant or simply a merchant in a car. Roughly speaking, this is the very window where you need to enter the data of a plastic card or enter through a payment system account.

There are a lot of merchs. Their task is to check the payment and accept or not accept it.

Merchs use methods such as AVS (Address Verification Service, or checking the entered billing address), CVV (Card Verification Value, CVV2, CVC2, CID, Verification number - the names are different, but the essence is the same - checking the three or four-digit code on the back of the card), IP / location / BIN match (comparing the location of the buyer's IP address with the location of the card holder. That is, if the card is European, and we use it for the United States, this will raise questions. The IP of Washington looks suspicious, but the time zone of Moscow.

Other verification methods are also used in merch, these are only the most popular.

How to determine which merchant a store is using?

This can usually be identified by the logo in the payment window. Or on the product page. On eBay it looks like this:

Here we can see that eBay is processing payments with a stick merchant. That is, he even processes the cards through a stick and the seller receives the money exactly there.

The site will also help us: https://builtwith.com

We copy the link of the site we are interested in and look at the eCommerce tab, it looks like this:

We see that the shop https://www.book-pal.com has a Magento merchant.

Also, shops sometimes create a separate page where they describe what kind of merchandise they have and how safe it is (but we know that this is not always the case).

An example of this is https://www.maidstoneharleydavidson.co.uk/pages/online-store/secured-by-sagepay.htm

In this case, the merchant is Sage Pay.

Why is this information needed?

The same merchant evaluates almost the same and makes a decision on the passage of the transaction or refusal. This means that if in one store with a certain merchant with certain system settings, card, IP address, etc. the transaction has passed, it means that it will most likely take place in another store with the same merchant.

Also, according to popular merchants, information is already more or less known about which parameters are important for them, and which are secondary. For the same PayPal, for example, the purity of the IP address (its absence in blacklists) is much more important than geographic compliance. But there are also merchandise where, on the contrary, geographic compliance is an extremely important thing, and in order to successfully make a "purchase" from there, it is imperative to select an IP for the location of the cardholder.

Where can I find information on merchant?

On various carding forums. But no one will give really valuable information for free, and will not even sell it, because what is the point of selling money for money? Therefore, in this regard, it is important to conduct tests yourself. We take a merchant and test different system settings, different material, etc. and see how it gives better. Do not forget to write down and analyze errors.

That's all, giving you merch, bro)

 

[CarderPlanet]

What is a merchant?
Merch is a system for processing incoming payments from customers. In simple terms, this is actually the system that accepts payments from the card through the site. There are a lot of merchants, some stores use their own merchant accounts, while others prefer to connect to popular merchants.

We can use builtwith.com to determine which merchandise a store is using. We drive in the URL of the site into the input field and there should be merchandise in the e-Commerce section, but it happens that the site may not show it, then you will have to look at the redirects in the browser.

Merchs that can most often be found working on USA.

Shopify - A very heavily messed up merchandise, easily fills dediks and various IP spoofing. It is hard enough to find a way to bypass its protection, but it does not mean that it is impossible.

WooCommerce - It's always different here, I suppose that the shops themselves have the ability to customize it, because from one you can sizzle the entire product at once, and from some you can't even pull out a spinner.

Magento, Shoprunner - I see no reason to separate them from each other, since they are both very light merchandise for me. They are not particularly capricious and often give what I need.

Merchs across Europe, there will be more of them here ...

SagePay - ONLY VBV, there is no other way. The main plus is that if the payment goes through, then the pack will be sent 100%.

BancaSella - One of the best merch from vbv, USA & UK also comes in sometimes. 100% sends if the transaction has passed.

Adyen - Great merch too, SafeKey - no. Almost all countries climb. If the tranza has passed, then even this does not guarantee that the pack will not be deployed along the way.

Skrill - Better to beat only Europe.

Net-a-porter - all monobrands in Europe, yoks, the Net-a-porter flagship itself. VBV is very rare. Everything will be driven there, but if not Europe, then of course the order deletion will follow. The purchase amount is frozen and finally debited at the time of the spike. Therefore, it is extremely important that the card has lived up to this moment. This is a maximum of 2-3 days.

Stripe - he doesn't like yusu, he eats exotic things with pleasure.

Zerogrey - I used to eat everything, now I have become more capricious ... Basically EU - 99% chance that the first order will need to draw docks. If done well (photo, not scan), then everything will be successful.

And this is not the whole list, I will not dissemble about others and I have no right to continue the list, since I have not worked with other merch, if I forgot something, then I will add it later.

PayPal payment system deserves special attention. Some newbies find it easier to work with, but this is far from the case. To be able to work with it, you need to invest a lot of time to learn all the nuances and subtleties when working with this payment system. I advise beginners not to worry about this, but if you are still interested in the PP, then there will still be articles on it very soon.

Phishing merchandise.
It so happens that having driven in, I went with a bang, but there is no track and the pack is not sent. Perhaps you fell under the distribution of our colleagues who create such fake pages to collect material. Take a closer look at the prices on the site, they are often always much lower than others, in order to collect the database "fatter".