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Share our channel for the free knowledge and upcoming lectures https://t.me/+RM6HCbeFDkWYWGBC

🔠🔠🔠🔠🔠🔠 ➡️ Understanding Merchants : https://t.me/c/1154385673/102 ➡️ Types of Cards : https://t.me/c/1154385673/143 ➡️ BIN Lookup Services (free): https://t.me/c/1154385673/808 ➡️ How Payment Systems Work : https://t.me/c/1154385673/5672 ➡️ Shops for CC (verified by forums, not by us): https://t.me/c/1154385673/10997 OR https://t.me/c/1154385673/11000 OR https://t.me/c/1154385673/11081 ➡️ Check Validity of CC without killing (prob. outdated!): https://t.me/c/1154385673/2764

Q: On what basis are BINs selected? including where can I reset VBV and how to reset it? And how to select BINs from autoVBV? A: Selected depending on your goals, re-read my answers above. Resetting VBV, if possible, is most often done in the VBV window using links like Forgot password. If a reset is possible, you will be redirected to the code reset form, where you will need to enter some client data to confirm it: in some places only card data is enough, in others you need SSN+DOB, in others you need information that is not possible break through. You can select bins from autovbv only by tests. Q: What points relate to data analytics, that is, what moments and episodes need to be recorded in order to be analyzed in the right direction? A: The result of the transaction and any anomalies during its execution. The merch's responses, the speed of client's reaction (how quickly the transaction was canceled in the case of an order being cancelled), in the case of the vbv - how exactly the bean passes (or does not pass) the vbv and what happens. It is advisable to call/try to roll successful beans in order to gain even more control over drives in the future and the various opportunities that enroll provides Q: There is a BIN that was successful and 10 that were not successful, but the BIN is 6 digits from 14-16. How to analyze it? In the same CC shop, look for BINs from a series of successful BINs? or what? A: Any CC shop has a BIN field in the filters. You can also often search by bank (makes it easier to find similar bins), card level, etc. Q: The answers were about the card balance: are there checkers and balance or only validity? A: There are balance checkers, but I highly recommend not using them, because... they check with authorization of the required amount, which with a high degree of probability kills the cards

Q: Question about the public shops that provide material, what is the quality of the material in them? A: So all adequate shops are, in fact, public. At a minimum - those that I listed above. No, you shouldn’t chase, there are many reasons why large “public” shops are better than small sellers. Trivial - the amount of swearing and the presence of rare bins. Yes, there are other questions about them, but all their disadvantages do not outweigh the advantages of a large number of cards available. Q: How to determine what kind of merch is in the store? A: I think this will be touched upon in further lectures. In my opinion, there are 2 adequate methods: in some stores the merch is designated in one way or another (it may be written what kind of merch it is, payment integration can be implemented so that you are redirected to a branded merch page, etc.); or, if there are no mentions of merch, you need to analyze browser requests in Developer Tools > Network and look for requests from/to merch in them Q: Using CC(Full name, card number, DOB, ZIP etc) info only VS using Logs(cookies, fingerprints etc.)? will CC only work ? A: It definitely might work, yet if you have the account from logs with the attached CC, cookies, etc. - success rate will definitely be higher. Q: Should we look for NON-VBV cards shops/sellers? A: If you are planning working with services that have VBV implemented, then you might start searching for non/auto VBV BINs sellers and then look up those BINs in the CC shops. Q: At the beginning of work, is it worth buying VBV car bins (I saw suggestions on the forum) or is it better to look for it yourself? A: Worth it if you plan to work with services with activated VBV. It is clear that not all of these beans will fit into the service you have chosen, but this is still much better than testing randomly Q: Is it necessary to call the bank every time before entering in order to find out the balance? A: Optional, but makes sense if you want to know the balance (and thereby increase the percentage of successful entries). This doesn't always make sense for the reasons I described in the lecture. Let's put it this way: tests without ringing will be faster (you'll be able to cover more language), but less effective Q: Why don’t all banks introduce vbv (not auto and not with reset)? A: Good question. From my experience, the US banking system is archaic and clumsy, and often for many (especially small) banks the cost of implementing such systems is too high. What can we say if often the banking software in such banks runs on mainframe emulators (servers from the 80s and early 90s) and no one undertakes to rewrite it according to the principle “if it works, don’t touch it.” The IT departments in such banks are appropriate; changing this requires progressively thinking management and free funds, and combinations of such factors are not always found. Q: Would you like examples of good checkers (at least conditionally) and good shops with CC? (the same forum is full of advertisements and one is more beautiful than the other A: Checking a CC by yourself is the best option, use netflix, or add the card in play store Q: What is a good BIN? How can one learn to understand the goodness of BIN? what are its signs and properties? A: This issue was covered in the lecture, to summarize: a good bean is one that has the properties you need (for example, it rings up on the balance sheet/recent transactions, rolls, goes through the bank, connects to the service you need in a way convenient for you, etc. ) and at the same time relatively stably (in 50%+ cases) allows you to write off the amounts you need to the desired service.

❔ Common Questions and Answers ❔ Q: TYPE: SIGNATURE - what is this? A: In this context, this is a type of Visa Signature card, one of the high levels of cards Q: According to the Luna algorithm - what is it? A: Luhn algorithm, I recommend google it if you are interested in details. I can’t tell you about him better than Wikipedia Q: What is the point of checking a card after inserting it if it is invalid? won't you have to reconfigure the system later? A: To get a referral for it in the store. Regarding setting up the system again after Decline - if you go to the same shop (as well as a shop with the same merch and AF) - you definitely need to set it up again / create a new config in Antidetect Q: Will there be examples of more or less normal bins, so as not to waste money on bad material? A: No, you will develop the bin base yourself. It is very difficult to give bins just like that, because... different bins have different properties: some fit into a certain merch, some don’t, etc. Q: On what principle should we filter out bins and look for normal ones? You can share your personal experience of how you make and select bins. that is, I entered n number of cards in one bean for all, there was no required amount / did not fit into the merch. can I throw this bin away? or how much better it would be to sort through the cards of one bin to understand whether it is fat or not. A: It very much depends on the service in which you test the beans. For example, if the service has VBV, then you have 2 criteria for selecting a bin: 1) passing VBV (auto/reset, the first option is much more common) and 2) passing transactions for the required amount. Ideally, of course, test a bean with a known balance (you buy a card > call the bank/roll), but this is not possible with all beans, so I test the bean at least 3-4 times to draw a conclusion about it (and even In this case, a purely statistical conclusion may be incorrect, but in general the picture is usually quite accurate with this approach). If you are testing beans in shops without VBB, then you need to test the bean in at least several shops. My criteria is something like this: if a bean fails >3 times for $1000 in a shop being tested, I will no longer test it in that shop and will give lower priority when testing it in other shops. When choosing beans, I rely on the fact that the card of the bean being tested is from the most recent database, the bank is not from the top 15 large ones, and I always check it for validity in order to exclude an incorrect conclusion about the bean due to a low-quality checkmate Q: If the CC of a certain bin does not fit into the merch, does this mean that all the CC of this bin will not fit into this merch? or could there be exceptions? A: There are always exceptions, I’ll give a simple example. Airbnb does not accept cards from, for example, Chase Bank / BofA when entered directly in the forehead. In 1/20 cases they won’t get in if they are random cards. However, if such a card recently had an Airbnb transaction, then this particular card is highly likely to become one of the 20. Q: Do I understand correctly that if there is a negative balance on a credit card, then you can try to top it up from it? A: Not quite right. Account balance is the amount of transactions for the month; it can be either zero (the card was not used) or positive. It is better to take cards with a non-zero balance, because... there were movements on the card and the bank will approve a transaction from it with a higher degree of probability than from a card that has been inactive for some time. Those. in the case of a credit card, the ideal scenario looks like this: account balance > $100, available credit is at least $100-200 more than the amount you are going to charge

🟠The first is the technical side ⚡️The correct setup of the system ⚡️Simulating that of a real holder (f.e. system languages, time zone, etc.) ⚡️Replacing the IP address using anonymizers (proxy servers, SSH tunnels, OVPN/PPTP configs ⚡️Direct access to machines (RDP, (H)VNC etc.) ⚡️Behavioral factors (imitation of the actions of a real user) 🟠The second side is directly related to cards, namely, the search for bins that have the characteristics you need to work with the selected service: stable processing of transactions for the required amounts, the ability to bypass VBV, the ability to enroll, or obtaining certain information by calling the bank, etc.

➡️ Now do you understand why the fact that you have a card with a known balance in your hands does not give you confidence in a successful insertion? 🟠You are dealing with multi-stage antifraud (shop, payment gateway, processing center and banks) 🟠Our entire activity is to learn how to effectively bypass all stages of antifraud. 🟠This is quite difficult, because there are always many variables that are inaccessible to us, but by correctly analyzing the entries, sooner or later we find vulnerabilities, which we exploit until they are closed 🟠If we are talking about working with cards, then we have 2 main entities that we must select correctly in order to bypass the above protection systems

🟠Let’s say the client transaction seemed legitimate to the gateway - in this case, it passes all the data on to the processing center. 🟠The processing center again checks against its criteria for fraudulent transactions and decides whether to forward the transaction further 🟠If the processing center liked everything, the transaction goes through the global payment system to the issuing bank 🟠The issuing bank analyzes client’s transactions and if the transaction seems out of the ordinary to him (for example, client has never bought anything more expensive than $100 from the card, and you suddenly try to drive in a gold bar for $10k ) - can also close the transaction (at least until client calls the bank and verifies such a transaction, which is usually accompanied by a decent number of questions, the answers to which, in theory, should be known only to client) 🟠The issuing bank also looks at the limits set by the holder and, of course, the availability of available own/credit funds 🟠If it seems to the issuing bank that everything is in order, it transmits a positive response to the acquiring bank back through the global payment system, which, in turn, returns the result of a successful transaction to the payment gateway and the gateway reports directly to you and the store managers about successful payment.

🟠After pressing the Place Order button, first the data goes into the shop’s anti-fraud system and decides whether to pass the order further automatically, send it to manual verification, or give an instant Decline 🟠At this stage, in most cases, the card data has not yet gone beyond the shop 🟠If the antifraud check is successfully completed, or the manager manually approved the order, the payment process continues 🟠After the order is approved, the data is collected, encrypted and transmitted to the Payment Gateway. In turn, he evaluates the transaction according to his criteria (gateways have their own anti-fraud systems that allow them to identify suspicious patterns) and can immediately initiate payment

🏬 Let's say you make a payment in an online store Let’s look at the main participants in the payment process: ⚡️Client: cardholder, owner of the card from which the payment is made ⚡️Merchant: actually, an online point of sale (POS) of goods with a current account, where funds for the goods should ultimately be received. 🟠Many people confuse the merchant and what is more correctly called payment gateway. These are different entities, but in carder slang, to simplify things, we talk about them as a single whole (merch) ⚡️Payment Gateway: a technology that allows you to connect a merchant with a processing center and acquiring bank ⚡️Processing center: a high-tech system for processing payments by bank cards in the field of e-commerce. Receives data from payment gateways, processes and forwards it to the issuing bank ⚡️Acquiring bank (merchant bank): a bank that is a participant in the global payment system (Visa/MC, etc.) and allows businesses to accept payments using bank cards ⚡️Issuing bank (client bank): a bank that is also a member of the global payment system and issued the card to the holder ⚡️Global payment system (Visa/MC, etc.): is an organization that regulates and carries out interbank settlements. In simple words, it allows you to transfer money from the issuing bank account to the acquiring bank account and resolves the entire process that occurs and solves possible problems

🟠I also want to note that the presence of funds available for spending on the card does not always equal successful insertion, and now I will give a detailed explanation why. 🟠To do this, we will consider in detail the entire kitchen that occurs when paying by card and is hidden from the eyes of the average person. 🟠The process of paying by bank card on the Internet is not as simple as it seems at first glance

➡️As for card levels, there are a lot of them and they are different for different banks. 🟠From Classic to Black. You can read a detailed description in the educational format of each of the levels in the working conference on their website. 🟠On the one hand, cards of a higher level indicate a higher status of the owner and potentially they may contain more money than cards of lower levels 🟠However, in practice this is not always the case - for example, in my arsenal there are Classic bins, which always have a lot of available funds, their holders are mostly active and such cards allow you to write off large amounts 🟠On the other hand, there are Platinum bins, which on average have little money and writing off transactions from them is difficult, and often this is completely impossible due to widespread limits and evil bank fraud 🟠Thus, I want to dispel the popular myth that you should try to take cards of higher levels - often this is far from true (at least when working with US cards. In the case of EU cards, the use of cards of Gold levels and higher is justified and actually shows statistically better results)

🟠Prepaid - a card with a prepaid amount - a smart card on which electronic money is stored, previously deposited there by the card owner. 🟠In use they are similar to debits, but unlike them they are not associated with bank accounts. Often found with payment systems like Payoneer, ePayments, etc. 🟠Some merch refuses to work with prepaid cards. I note that this is the worst option for working, with the exception of cases when you clearly know the properties of such a bean, how to work with it and what to do

🟠Debit - a card that is linked to a bank account and is a kind of key to the bank account for the convenience of everyday payments (obviously, as a method of making payments, bank accounts are not as convenient as cards). Funds are debited from debits only within the current balance on the Bank Account (BA)