Virtual Carding ⚠️ Chargebacks: The Carder's Nemesis ⚠️

[Flyrockstar]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

.

 

[JIm Lindsay]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

 

[DeerField]

thanks

 

[SB23]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

bump

 

[vvhv11]

good bro

 

[orzzno]

thx

 

[Hline]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

GL

 

[denzkrieg]

Its very insighful for newbie . Thank you.
Need more so you can doctrine us ..

 

[Unstaffed.Thus]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

its the jungle babay^^

 

[Jsav30]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

tyty

 

[cybersutew]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

thank yo so much bro

 

[zookeeper]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

thanks

 

[requiemnpc21]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts, tüccarlar için sadece yeni bir oyuncak değil; geri ödeme yanıt sürelerini hızlandırma ve karlarımızı azaltma konusunda gerçek bir anlaşma . Artık sadece nakliye süreleriyle yarışmıyoruz; tüccarlara bir anlaşmazlık veya geri ödeme başlatıldığı anda (araştırma başlamadan önce bile) haber veren gelişmiş araçlarla karşı karşıyayız .

Verifis Rapid Dispute Resolution , Ethoca Alerts ve ChargeBlast gibi sistemler bankalar ve tüccarlar arasında doğrudan bir boru hattı oluşturuyor. Bir kart sahibi bir ihtilafa doğru hapşırdığında banka bu bilgiyi bu ağlar üzerinden gönderiyor ve tüccarla iletişime geçerek işlemi ifşa ediyorlar. Sonuç? Tüccarlar saatler, hatta bazen dakikalar içinde haberdar oluyor. Sanki bir kristal küreleri varmış gibi ve bu bizim için kötü bir haber.

Kartçılar için bu, fırsat penceremizin küçüldüğü anlamına geliyor. Tüccarlar artık sadece oturan ördekler değil. Tam bir geri ödeme gerçekleşmeden önce siparişleri dondurabilir veya sevkiyatları durdurabilirler.

Bu bizim için ne anlama geliyor? Hız artık sadece önemli değil; yap ya da öl. Artık sadece kart sahiplerinin uyanıklığına karşı yarışmıyoruz. Emirlerimizin elimize geçmesini önlemek için can atan bu uyarı sistemlerine karşı tam bir koşu içindeyiz. Bu iki cephede bir savaş ve her zamankinden daha akıllı, daha hızlı ve daha stratejik olmamız gerekiyor.

Yaklaşımımızı düşünmemiz gerekiyor. Bu sistemler veriyle dolup taştığında yüksek hacimli zamanlarda vurun. Black Friday veya Cyber Monday sırasında gerçekleşen işlem tsunamisi , çatlaklardan sıyrılmamız için bize bir fırsat verebilir. Ve unutmayın, bu araçlar güçlüdür ancak mükemmel değildir. Bunlar hala kart sahiplerinin yetkisiz ücretleri fark edip bildirmesine dayanır. Kart sahibinin e-postası ve telefon numarasında her zaman bir spam kampanyası yürütebiliriz, böylece hiçbir fikirleri olmaz. Bizim işimiz bir adım önde olmak, zayıf halkaları bulmak ve onlar yakalamadan önce onları kullanmaktır.
* Gizli metin: alıntı yapılamaz. *


Son Düşünceler: Uyum Sağla ya da Öl

Geri ödemeler ve dolandırıcılık tespiti dünyası, bir petri kabındaki virüsten daha hızlı gelişiyor. Kartçılar olarak eğrinin önünde kalmamız gerekiyor, aksi takdirde modası geçmiş olma riskini göze alabiliriz.

Geri ödemelerin karmaşıklıklarını anlamak - hızlarını etkileyen faktörlerden yeni erken uyarı sistemlerine kadar - hayatta kalmamız için hayati öneme sahiptir. Artık sadece kartlamayı bilmekle ilgili değil ; içinde faaliyet gösterdiğimiz tüm ekosistemi anlamakla ilgilidir.

Araçlar akıllanıyor ama biz de öyle. Bu gelişen oyunda neler başarabileceğimizi göstermenin zamanı geldi. Kartçılık dünyasında bilginin sadece güç olmadığını unutmayın - bu lanet olası hayatta kalmadır.

Bu yüzden bilgili kalın, anında taktik değiştirmeye hazır olun ve öğrenmeyi asla bırakmayın. Geri ödeme oyunu zorlaşıyor olabilir ancak bu, ustalaşanlar için ödüllerin daha da tatlı olduğu anlamına geliyor. Şimdi dışarı çıkın ve bu bankalara ve tüccarlara gerçek inovasyonun nasıl göründüğünü gösterin.

d0ktrin dışarı.

Bak

 

[cwong]

By the way Ethoca at least and probably others notify every merchant that had a charge on a card. IE let's say you bought a card that someone else also bought and they used it and now you are using it. Ethoca gets a fraud alert because the cardholder notified their bank. It doesn't just go to the merchant that the purchase was attempted on that alert goes to every merchant that does an authorization on that card. That's why cards burn so fast. The bank may not have even have reversed the first charge but an Ethoca alert has went out to every merchant that has auth'd the card that it might have a fraud chargeback coming which is a HUGE signal for fraud models and people detecting fraud at merchants. Merchant's aren't going to take the chance of capturing that sale if they think it's a compromised card.

 

[haianhxd]

Hoàn tiền: Kẻ thù của Carder
Hôm nay chúng ta sẽ đi sâu vào vùng nước tối tăm của việc khiếu nại - mối nguy hại cho mọi người làm nghề thẻ và là công cụ quan trọng của mọi người tiêu dùng hợp pháp bị một thương gia gian dối lừa đảo .

Bạn đã bao giờ tự hỏi làm sao bạn có thể đặt hàng, xác minh rồi sau đó lại bị hủy trước khi giao hàng do bị tính phí hoàn lại không? Nhưng tại sao một số thẻ mất ít nhất 2 tháng để tính phí hoàn lại /tranh chấp một khoản phí? Giống như phiên bản cơ học lượng tử của thế giới tài chính - có vẻ mâu thuẫn và thường gây nhầm lẫn nhưng nếu bạn hiểu được, bạn có thể bẻ cong thực tế theo ý muốn của mình.


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Chúng tôi không chỉ nói về chuyện nhảm nhí cơ bản 'khách hàng gọi ngân hàng, ngân hàng đảo ngược phí' ở đây. Không, chúng tôi sẽ bóc tách từng lớp của củ hành này và phơi bày hoạt động bên trong của quy trình hoàn tiền . Từ thời điểm tranh chấp được khởi xướng cho đến quyết định cuối cùng, chúng tôi sẽ phân tích từng bước và cho bạn thấy cách mỗi người chơi trong trò chơi này - ngân hàng, thương gia và bộ xử lý thanh toán - cố gắng che đậy hành vi của mình trong khi có khả năng lừa đảo mọi người khác.

Nhưng hãy đợi đã, còn nhiều hơn thế nữa. Chúng ta cũng sẽ giải quyết một con quái vật mới trong rừng: cảnh báo gian lận sớm . Chúng ta sẽ phân tích những cảnh báo này có ý nghĩa gì đối với chúng ta, những người làm nghề thẻ và cách chúng định hình lại ngành công nghiệp thẻ .

Vậy nên hãy lấy một ly đồ uống, nói với nhóm Telegram của bạn rằng bạn sẽ tạm thời ẩn danh và hãy cùng khám phá thế giới của các khoản hoàn tiền . Khi hoàn thành, bạn sẽ hiểu hệ thống này hơn cả những kẻ ngốc đã thiết kế ra nó. Và hãy nhớ rằng kiến thức là sức mạnh - đặc biệt là khi kiến thức đó giúp bạn đi trước một bước trong trò chơi.



Hoàn trả

Bạn vừa mới kiếm được một khoản tiền kha khá, khi mua được một món đồ đắt đỏ từ một thương gia không hề hay biết. Nhưng trước khi bạn có thể tự khen mình, bạn cần phải hiểu được mớ bòng bong sắp diễn ra đằng sau hậu trường. Chào mừng đến với thế giới của các khoản hoàn trả .

Về bản chất, hoàn tiền chỉ là một cách hoa mỹ để nói rằng 'trả lại tiền chết tiệt của tao đi'. Khi chủ thẻ thực sự nhận thấy khoản phí mà họ không thực hiện (tức là mày đấy, đồ ngốc) thì họ gọi đến ngân hàng và làm ầm lên. Điều này khởi động một quá trình phức tạp và chậm chạp.

Sau đây là quy trình cơ bản:

• Tranh chấp của chủ thẻ : Người nhận thấy khoản phí và gọi đến ngân hàng của họ. 'Tôi không mua thứ vớ vẩn này!' họ hét lên.
• Điều tra ngân hàng : Ngân hàng không chỉ tin vào lời nói của họ. Họ sẽ điều tra, thường là liên hệ với người bán.
• Phản hồi của người bán : Người bán có cơ hội chứng minh giao dịch là hợp pháp. Chúc may mắn với điều đó, đồ khốn.
• Quyết định của ngân hàng : Sau khi cân nhắc bằng chứng (hoặc thiếu bằng chứng), ngân hàng sẽ đưa ra quyết định. Thông thường, họ sẽ đứng về phía chủ thẻ.
• Chuyển tiền : Nếu khiếu nại vẫn tiếp diễn, số tiền sẽ bị trừ khỏi tài khoản của người bán.

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Mẫu từ Stripe

Bây giờ bạn có thể nghĩ rằng nó nghe có vẻ đơn giản. Nhưng vấn đề là: quá trình này có thể mất từ vài ngày đến vài tháng. Vâng, bạn đọc đúng rồi đấy. Nhiều tháng. Và đó là lúc mọi thứ trở nên thú vị đối với chúng tôi, những người làm thẻ .

Một số khoản hoàn trả diễn ra nhanh trong khi một số khác diễn ra chậm hơn so với người dùng Xanax . Sự không nhất quán này là điều khiến trò chơi của chúng tôi trở nên thú vị và có lợi nhuận.

Roulette hoàn tiền
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Chúng ta hãy đi thẳng vào vấn đề và phân tích lý do tại sao một số lần hoàn trả diễn ra nhanh trong khi một số khác lại chậm:

Chính sách của ngân hàng đóng vai trò rất lớn. Một số ngân hàng có hệ thống tự động đánh dấu các giao dịch đáng ngờ ngay lập tức đẩy nhanh quá trình hoàn tiền , trong khi những ngân hàng khác vẫn sử dụng công nghệ đã lỗi thời từ thời khủng long còn lang thang trên Trái đất. Loại giao dịch cũng quan trọng - các mặt hàng có giá trị lớn và giao dịch mua từ các thương gia có rủi ro cao rõ ràng sẽ được đánh dấu nhanh hơn.

Sự cảnh giác của chủ thẻ là một yếu tố quan trọng khác. Một số người kiểm tra sao kê của họ thường xuyên hơn là kiểm tra điện thoại, trong khi những người khác có thể không nhận thấy khoản phí gian lận trong nhiều tuần hoặc nhiều tháng. Và đừng quên các thương gia - một số người phản đối việc hoàn tiền như thể mạng sống của họ phụ thuộc vào nó, trong khi những người khác phản ứng chậm và đơn giản là không quan tâm vì họ biết rằng dù sao họ cũng sẽ thua trong quá trình tranh chấp.

Thẻ của Hoa Kỳ có xu hướng tiên tiến hơn khi nói đến phát hiện gian lận và hoàn tiền . Các tổ chức tài chính ở Xứ sở Tự do rất hoang tưởng, điều đó có nghĩa là các khoản hoàn tiền trên thẻ của Hoa Kỳ thường xảy ra nhanh hơn. Chúa phù hộ nước Mỹ , đúng không? Đây không chỉ là về công nghệ - mà là về toàn bộ hệ thống hướng đến việc bảo vệ chủ thẻ (và lừa đảo những người chơi thẻ như chúng tôi).

Số tiền giao dịch cũng đóng vai trò quan trọng. Một giao dịch mua đồ điện tử trị giá 5.000 đô la sẽ gây ra sự chú ý nhanh hơn so với một đơn hàng thức ăn nhanh trị giá 20 đô la. Không chỉ từ góc nhìn của ngân hàng mà còn từ góc nhìn của chủ thẻ. Một người sử dụng thẻ của họ để mua đăng ký Netflix sẽ không khiến họ quá lo lắng (vì có thể chỉ có anh trai của họ sử dụng thẻ của họ) nhưng một giao dịch mua đồ trang sức trị giá 3.000 đô la có thể khiến họ lên cơn đau tim.
Đối với người làm thẻ , việc hiểu những yếu tố này là rất quan trọng. Vấn đề là bạn phải biết mình còn bao lâu nữa trước khi mọi chuyện trở nên tồi tệ và nếu cửa hàng bạn mua hàng hủy đơn hàng đối với các giao dịch mua đã được xác minh hoặc thậm chí tệ hơn, yêu cầu trả lại hàng đã giao về kho của họ khi họ ngửi thấy mùi khiếu nại . Hãy nhớ rằng: một số thẻ cho bạn thời gian gia hạn dài, một số khác sẽ khiến bạn phải vội vã.

Điều chỉnh chiến lược của bạn dựa trên các yếu tố này. Đánh đúng mục tiêu bằng đúng thẻ vào đúng thời điểm và bạn có thể thoát sạch. Làm hỏng nó và bạn sẽ thấy mình không có lợi nhuận với hàng tấn thông báo 'HÀNG HÀNG ĐÃ TRẢ LẠI'.

Hệ thống cảnh báo tranh chấp sớm

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Early Fraud Alerts không chỉ là một công cụ mới dành cho các thương gia; mà còn là giải pháp thực sự khi nói đến việc tăng tốc thời gian phản hồi khiếu nại và giảm lợi nhuận của chúng tôi. Chúng tôi không chỉ chạy đua với thời gian vận chuyển nữa; chúng tôi đang phải đối mặt với các công cụ tinh vi giúp các thương gia cảnh báo ngay khi có tranh chấp hoặc khiếu nại được khởi tạo (thậm chí trước khi cuộc điều tra bắt đầu).

Những hệ thống như Verifis Rapid Dispute Resolution , Ethoca Alerts và ChargeBlast đang tạo ra một đường ống trực tiếp giữa các ngân hàng và các đơn vị bán hàng. Khi một chủ thẻ hắt hơi theo hướng tranh chấp, ngân hàng sẽ truyền thông tin đó qua các mạng lưới này và họ sẽ báo cáo giao dịch bằng cách liên hệ với đơn vị bán hàng. Kết quả là gì? Các đơn vị bán hàng sẽ nhận được thông tin trong vòng vài giờ, đôi khi thậm chí là vài phút. Giống như họ có một quả cầu pha lê và đó là tin xấu đối với chúng ta.

Đối với những người đánh bài, điều này có nghĩa là cơ hội của chúng tôi đang thu hẹp lại. Các thương gia không còn chỉ là mục tiêu dễ dàng nữa. Họ có thể đóng băng đơn hàng hoặc dừng giao hàng trước khi xảy ra tình trạng hoàn tiền đầy đủ .

Điều này có ý nghĩa gì với chúng ta? Tốc độ không chỉ quan trọng nữa; nó là sống hoặc chết. Chúng ta không chỉ chạy đua với sự cảnh giác của những người giữ thẻ. Chúng ta đang chạy nước rút toàn diện chống lại các hệ thống cảnh báo này đang muốn ngăn chặn các lệnh của chúng ta đến tay chúng ta. Đây là cuộc chiến hai mặt trận và chúng ta cần phải thông minh hơn, nhanh hơn và có chiến lược hơn bao giờ hết.

Chúng ta cần suy nghĩ về cách tiếp cận của mình. Tấn công vào thời điểm khối lượng giao dịch cao khi các hệ thống này bị quá tải dữ liệu. Sóng thần giao dịch trong Black Friday hoặc Cyber Monday có thể tạo cho chúng ta cơ hội để lọt qua các vết nứt. Và hãy nhớ rằng, các công cụ này rất mạnh mẽ nhưng không hoàn hảo. Chúng vẫn dựa vào việc chủ thẻ nhận thấy và báo cáo các khoản phí trái phép. Chúng ta luôn có thể chạy một chiến dịch thư rác trên email và số điện thoại của chủ thẻ để họ không biết. Nhiệm vụ của chúng ta là đi trước một bước, tìm ra các liên kết yếu và khai thác chúng trước khi chúng bắt kịp.
* Văn bản ẩn: không thể trích dẫn. *


Suy nghĩ kết thúc: Thích nghi hoặc chết

Thế giới của việc hoàn tiền và phát hiện gian lận đang phát triển nhanh hơn cả một loại vi-rút trong đĩa petri. Là những người đánh bài, chúng ta cần phải đi trước một bước hoặc có nguy cơ trở nên lỗi thời.

Hiểu được sự phức tạp của việc hoàn tiền - từ các yếu tố ảnh hưởng đến tốc độ của chúng đến các hệ thống cảnh báo sớm mới - là rất quan trọng đối với sự sống còn của chúng ta. Không chỉ là biết cách thanh toán nữa; mà là hiểu toàn bộ hệ sinh thái mà chúng ta đang hoạt động.

Các công cụ đang trở nên thông minh hơn nhưng chúng ta cũng vậy. Đã đến lúc thể hiện khả năng của chúng ta trong trò chơi đang phát triển này. Hãy nhớ rằng trong thế giới của trò chơi đánh bài , kiến thức không chỉ là sức mạnh - mà là sự sống còn.

Vì vậy, hãy luôn cập nhật thông tin, sẵn sàng thay đổi chiến thuật ngay lập tức và không bao giờ ngừng học hỏi. Trò chơi hoàn tiền có thể trở nên khó khăn hơn nhưng điều đó chỉ có nghĩa là phần thưởng cho những người thành thạo nó thậm chí còn ngọt ngào hơn. Bây giờ hãy ra ngoài và cho các ngân hàng và thương gia này thấy sự đổi mới thực sự trông như thế nào.

d0ctrine ra.

Nice

 

[samhand]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

THANK YOU

 

[wsf001]

Invincible. Great.

 

[xyzdox]

克d job

 

[Lupan]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

Nice

 

[rapoobla]

Chargebacks: The Carder's Nemesis
Today were diving deep into the murky waters of chargebacks - the bane of every carders existence and an important tool of every legitimate consumer whos been screwed over by a shady merchant.

Ever wondered how you could order something, get it verified and then low and behold before it ships it gets cancelled due to chargeback? Yet how come some cards take a minimum of 2 months to chargeback/dispute a charge? Its like the financial worlds own version of quantum mechanics - seemingly contradictory and often confusing but if you understand it, you can bend reality to your will.


View attachment 5896

Were not just talking about the basic 'customer calls bank, bank reverses charge' bullshit here. No, were going to peel back the layers of this onion and expose the inner workings of the chargeback process. From the moment a dispute is initiated to the final decision, well break down every step and show you how each player in this game - banks, merchants, and payment processors - tries to cover their own ass while potentially screwing over everyone else.

But wait, theres more. Were also going to tackle a new beast in the jungle: early fraud alerts. Well dissect what these alerts mean for us carders and how theyre reshaping the industry of carding.

So grab a drink, tell your Telegram groups youre going dark for a bit, and lets dive into the world of chargebacks. By the time were done youll understand this system better than the dipshits who designed it. And remember that knowledge is power - especially when that knowledge helps you stay one step ahead of the game.



Chargebacks

Youve just pulled off a sweet score, carding some overpriced shit from an unsuspecting merchant. But before you can pat yourself on the back you need to understand the clusterfuck thats about to unfold behind the scenes. Welcome to the world of chargebacks.

At its core, a chargeback is just a fancy way of saying 'gimme back my fucking money.' When the real cardholder notices a charge they didnt make (thats you, dipshit) they call their bank and raise hell. This kicks off a process thats as convoluted as it is slow.

Heres the basic flow:

• Cardholder Dispute: The mark notices the charge and calls their bank. 'I didnt buy this crap!' they scream.
• Bank Investigation: The bank doesnt just take their word for it. They do some digging, which usually involves reaching out to the merchant.
• Merchant Response: The merchant gets a chance to prove the transaction was legit. Good luck with that, fuckers.
• Bank Decision: After weighing the evidence (or lack thereof), the bank makes a call. More often than not, they side with the cardholder.
• Money Movement: If the chargeback sticks, the funds get yanked from the merchants account.

View attachment 5898
Sample from Stripe

Now you might be thinking that it sounds simple enough. But heres the thing: this process can take anywhere from a few days to several months. Yeah you read that right. Months. And thats where things get interesting for us carders.

Some chargebacks happen fast while others move slower than someone on Xanax. This inconsistency is what keeps our game interesting and profitable.

Chargeback Roulette
View attachment 5900
Lets cut the shit and break down why some chargebacks happen fast while others are slow:

Bank policies play a huge role. Some banks have automated systems that flag suspicious transactions instantly expediting the chargeback process, while others are still using tech that was outdated when dinosaurs roamed the Earth. The type of transaction matters too - big ticket items and purchases from high-risk merchants obviously get flagged faster.

Cardholder vigilance is another key factor. Some people check their statements more often than they check their phones, while others might not notice a fraudulent charge for weeks or months. And lets not forget about the merchants - some fight chargebacks like their lives depend on it, while others are slow to respond and simply dont give a flying fuck since they know theyll lose the dispute process anyway.

US cards tend to be more advanced when it comes to fraud detection and chargebacks. The financial institutions in the Land of the Free are paranoid as fuck, which means chargebacks on US cards often hit faster. God bless America, amirite? This is not just about technology - its about a whole system geared towards protecting cardholders (and screwing over carders like us).

The amount of the transaction plays a role too. A $5k electronics purchase raises flags quicker than a $20 fast food order. Not only from the perspective of the bank, but also from the cardholders perspective. Someone using their card to buy a Netflix subscription wont get them all too worked up (because it might just be their brother using their card) but a $3,000 purchase of jewelries might give them a heart attack.
For carders, understanding these factors is important. Its about knowing how long youve got before shit hits the fan and if the shop youre buying from cancels shipment on already verified purchases or even worse, request shipped goods to be returned back to their warehouse once they get a smell of a chargeback. Remember: some cards give you a long grace period, others will have you scrambling fast.

Adapt your strategy based on these factors. Hit the right targets with the right cards at the right time, and you might walk away clean. Fuck it up, and you will find your self unprofitable with tons of 'SHIPMENT RETURNED' notices.

Early Dispute Alert Systems

View attachment 5899

Early Fraud Alerts isn't just a new toy for merchants; it's the real deal when it comes to speeding up chargeback response times and decreasing our profits. We're not just racing against shipping times anymore; we're up against sophisticated tools that give merchants a heads up the moment a dispute or chargeback is initiated (even before the investigation starts).

These systems like Verifis Rapid Dispute Resolution, Ethoca Alerts and ChargeBlast are creating a direct pipeline between banks and merchants. When a cardholder so much as sneezes in the direction of a dispute the bank shoots that info through these networks and they rat on the transaction by contacting the merchant. The result? Merchants are getting tipped off within hours, sometimes even minutes. It's like they have a crystal ball and it's bad news for us.

For carders this means our window of opportunity is getting smaller. Merchants aren't just sitting ducks anymore. They can freeze orders or halt shipments before a full chargeback even happens.

What does this mean for us? Speed isnt just important anymore; its do or die. Were not just racing against the cardholders vigilance now. Were in a full-on sprint against these alert systems that are itching to prevent our orders from getting in our hands. Its a two-front war and we need to be smarter, faster and more strategic than ever before.

We need to think about our approach. Hit during high volume times when these systems are overwhelmed with data. The tsunami of transactions during Black Friday or Cyber Monday might give us an opportunity to slip through the cracks. And remember, these tools are powerful but not perfect. They still rely on cardholders noticing and reporting unauthorized charges. We can always run a spam campaign on the holder's email and phone number so they have no idea. Our job is to stay one step ahead, find the weak links and exploit them before they catch up.
* Hidden text: cannot be quoted. *


Closing Thoughts: Adapt or Die

The world of chargebacks and fraud detection is evolving faster than a virus in a petri dish. As carders we need to stay ahead of the curve or risk becoming as obsolete.

Understanding the intricacies of chargebacks - from the factors that affect their speed to the new early alert systems - is crucial for our survival. Its not just about knowing how to card anymore; its about understanding the entire ecosystem were operating in.

The tools are getting smarter but so are we. Its time to show what were capable of in this evolving game. Remember that in the world of carding, knowledge isnt just power - its fucking survival.

So stay informed, be ready to change tactics on a dime and never stop learning. The chargeback game might be getting harder but that just means the rewards for those who master it are even sweeter. Now get out there and show these banks and merchants what real innovation looks like.

d0ctrine out.

nice