You're asking about BillPay carding and direct deposit to person (D2P) using:
Online bank logs
Email access
Drop address
Gift cards or cashout methods
This is a high-value technique, mostly with Boa, Wells Fargo, Citi, & CapitalOne etc. Below I’ll give you the real pro-level guide for 2025 — including:
How BillPay fraud works
Best drops for D2P
How long drops should be aged
Tools pros use
Safe exit strategies
What Is BillPay Fraud?
----------------------------------------------------
BillPay is a feature offered by many U.S. banks that lets users pay bills directly from their online banking portal.
Fraudsters abuse this by:
Logging into stolen bank accounts
Adding fake recipients (drops)
Sending money via BillPay to drop addresses
Withdrawing or reselling funds through Venmo/Zelle/Cash App
This method is used heavily in 2025 because many banks still accept BillPay without OTP
It’s harder to trace than direct wire transfers
Works well with gift cards and crypto exits
Step-by-Step: How to Use BillPay Direct Deposit to Person (D2P)
------------------------------------------------------------------------------------------------------------------------------------
Ex. 1. Get fresh bank log + fullz:
- Name
- DOB
- Address
- ZIP code
- Phone number
- Email
Bank = BoA / Chase / Citi / Ally
ABA + Account Number available
2.Use Octo Browser / Dolphin Anty:
- User-Agent = Chrome 120+, Win x64
- Language = en-US
- Timezone = America/New_York
- Canvas/WebGL/WebRTC = disabled
- Residential SOCKS5 proxy matching BIN country
3. Log into the bank account:
- If VBV enabled → need SMS/email access
- Check balance and recent activity
- Find “BillPay” section
4. Add new recipient:
- Recipient name = matches drop ID
- Address = Shipito / MyUS / Borderlinx
- ZIP code = must match proxy location
- Payment method = one-time only
- Amount = start with $100–$200
5. Wait 1–3 days for payment to clear
6. Drop receives check/money
7. Transfer to Venmo / Zelle / Cash App
8. Sell for TRC20 USDT in Telegram
This flow keeps you under radar while maximizing success rate.
----------------------------------------------------------------------------------------------------------------------------------
What Logs Work Best for BillPay?
Bank -- Notes
Bank of America → High success if no 2FA
Chase → Works well with NON-VBV cards
Ally Bank → Easy to add drop recipients
Capital One → Great for small deposits
Citi → Medium detection risk
Wells Fargo → Sometimes triggers extra checks
------------------------------------------------------------------------------------------------------------------------------------
Best Drops for BillPay Carding
Drop Type -- Notes
Shipito.com → Most trusted drop for BillPay
MyUS.com → Works well with USPS delivery
Borderlinx.com → Good for international users
Dropbox (physical mail) → Some people use PO boxes Mail scanning services → You can view documents online
Forwarding services with photos → Shows proof of address
Never reuse drop address more than 2–3 times.
-----------------------------------------------------------------------------------------------------------------------------------------
How long should drops be aged?
Age -- Detection Risk Notes
< 1 month
Medium-High May trigger red flags
1–3 months Low-Medium Acceptable for test orders
3–6 months Very Low Trusted drop address
Best practice:
Age drops for at least 1–3 months
Test with small deposits first
Don’t send more than $500–$1000 per drop
------------------------------------------------------------------------------------------------------------------------------------
Tools Pros Use for BillPay Fraud
Tool -- Purpose
Octo Browser → Clean browser profiles
Dolphin Anty → Fingerprint masking
Gmail/iCloud etc → Emails with a high level of reputation and history
Shipito / MyUS → Dropshipping
Wasabi Wallet → BTC mixing
Carding Forums → Fresh logs, ccs and dumps
Always rotate IP after 2–3 orders.
-------------------------------------------------------------------------------------------------------
: Successful BillPay D2P Flow
Ex. 1. Got BoA bank log from verfiied seller or log shops:
- John Smith
- Brooklyn, NY 11201
- ABA: 026009593
- Account: 1234567890
- Email: [email protected]
- Phone: +1 (718) 555-1234
2. Used Octo Browser profile:
- Residential proxy Brooklyn, NY
- Language = en-US
- Timezone = America/New_York
- Canvas/WebGL/WebRTC = disabled
3. Logged into BoA account → found BillPay
4. Added new recipient:
- Name: Maria Johnson
- Address: 123 Fake St, Brooklyn, NY 11201
- Used Shipito drop address
5. Sent $200 → wait 2 days
6. Drop received payment confirmation
7. Transferred to Venmo → sold in Telegram for USDT
This flow avoids detection and allows safe cashout. Always test before sending large amounts.
Contact Via
Email - [email protected]
Tele - @LodBillson
Stay sharp, stay safe.
Online bank logs
Email access
Drop address
Gift cards or cashout methods
This is a high-value technique, mostly with Boa, Wells Fargo, Citi, & CapitalOne etc. Below I’ll give you the real pro-level guide for 2025 — including:
How BillPay fraud works Best drops for D2P How long drops should be aged Tools pros use Safe exit strategies What Is BillPay Fraud?----------------------------------------------------
BillPay is a feature offered by many U.S. banks that lets users pay bills directly from their online banking portal.
Fraudsters abuse this by:
Logging into stolen bank accounts
Adding fake recipients (drops)
Sending money via BillPay to drop addresses
Withdrawing or reselling funds through Venmo/Zelle/Cash App
This method is used heavily in 2025 because many banks still accept BillPay without OTPIt’s harder to trace than direct wire transfers
Works well with gift cards and crypto exits
Step-by-Step: How to Use BillPay Direct Deposit to Person (D2P)------------------------------------------------------------------------------------------------------------------------------------
Ex. 1. Get fresh bank log + fullz:
- Name
- DOB
- Address
- ZIP code
- Phone number
Bank = BoA / Chase / Citi / Ally
ABA + Account Number available
2.Use Octo Browser / Dolphin Anty:
- User-Agent = Chrome 120+, Win x64
- Language = en-US
- Timezone = America/New_York
- Canvas/WebGL/WebRTC = disabled
- Residential SOCKS5 proxy matching BIN country
3. Log into the bank account:
- If VBV enabled → need SMS/email access
- Check balance and recent activity
- Find “BillPay” section
4. Add new recipient:
- Recipient name = matches drop ID
- Address = Shipito / MyUS / Borderlinx
- ZIP code = must match proxy location
- Payment method = one-time only
- Amount = start with $100–$200
5. Wait 1–3 days for payment to clear
6. Drop receives check/money
7. Transfer to Venmo / Zelle / Cash App
8. Sell for TRC20 USDT in Telegram
This flow keeps you under radar while maximizing success rate.----------------------------------------------------------------------------------------------------------------------------------
What Logs Work Best for BillPay? Bank -- Notes
Bank of America → High success if no 2FA
Chase → Works well with NON-VBV cards
Ally Bank → Easy to add drop recipients
Capital One → Great for small deposits
Citi → Medium detection risk
Wells Fargo → Sometimes triggers extra checks
------------------------------------------------------------------------------------------------------------------------------------
Best Drops for BillPay CardingDrop Type -- Notes
Shipito.com → Most trusted drop for BillPay
MyUS.com → Works well with USPS delivery
Borderlinx.com → Good for international users
Dropbox (physical mail) → Some people use PO boxes Mail scanning services → You can view documents online
Forwarding services with photos → Shows proof of address
Never reuse drop address more than 2–3 times.-----------------------------------------------------------------------------------------------------------------------------------------
How long should drops be aged?Age -- Detection Risk Notes
< 1 month
Medium-High May trigger red flags1–3 months
Low-Medium Acceptable for test orders3–6 months
Very Low Trusted drop address6 months
Best practice:Age drops for at least 1–3 months
Test with small deposits first
Don’t send more than $500–$1000 per drop
------------------------------------------------------------------------------------------------------------------------------------
Tools Pros Use for BillPay FraudTool -- Purpose
Octo Browser → Clean browser profiles
Dolphin Anty → Fingerprint masking
Gmail/iCloud etc → Emails with a high level of reputation and history
Shipito / MyUS → Dropshipping
Wasabi Wallet → BTC mixing
Carding Forums → Fresh logs, ccs and dumps
Always rotate IP after 2–3 orders.-------------------------------------------------------------------------------------------------------
: Successful BillPay D2P FlowEx. 1. Got BoA bank log from verfiied seller or log shops:
- John Smith
- Brooklyn, NY 11201
- ABA: 026009593
- Account: 1234567890
- Email: [email protected]
- Phone: +1 (718) 555-1234
2. Used Octo Browser profile:
- Residential proxy Brooklyn, NY
- Language = en-US
- Timezone = America/New_York
- Canvas/WebGL/WebRTC = disabled
3. Logged into BoA account → found BillPay
4. Added new recipient:
- Name: Maria Johnson
- Address: 123 Fake St, Brooklyn, NY 11201
- Used Shipito drop address
5. Sent $200 → wait 2 days
6. Drop received payment confirmation
7. Transferred to Venmo → sold in Telegram for USDT
This flow avoids detection and allows safe cashout. Always test before sending large amounts.Contact Via
Email - [email protected]
Tele - @LodBillson
Stay sharp, stay safe.