Virtual Carding ⚠️ Chargebacks: The Carder's Nemesis ⚠️

[WarKriminal]

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.

thx

 

[thesmileyfaces]

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

 

[lucifer666.com]

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 no es solo un juguete nuevo para los comerciantes; es la solución definitiva para acelerar los tiempos de respuesta a los contracargos y reducir nuestras ganancias. Ya no solo competimos contra los tiempos de envío; nos enfrentamos a herramientas sofisticadas que avisan a los comerciantes en el momento en que se inicia una disputa o un contracargo (incluso antes de que comience la investigación).

Estos sistemas, como Verifis Rapid Dispute Resolution , Ethoca Alerts y ChargeBlast, están creando una conexión directa entre los bancos y los comerciantes. Cuando un titular de tarjeta estornuda en dirección a una disputa, el banco envía esa información a través de estas redes y delatan la transacción poniéndose en contacto con el comerciante. ¿El resultado? Los comerciantes reciben información en cuestión de horas, a veces incluso minutos. Es como si tuvieran una bola de cristal y eso es una mala noticia para nosotros.

Para los comerciantes, esto significa que nuestra ventana de oportunidad se está acortando. Los comerciantes ya no son blancos fáciles. Pueden congelar pedidos o detener envíos incluso antes de que se produzca un contracargo total .

¿Qué significa esto para nosotros? La velocidad ya no es importante; es cuestión de vida o muerte. Ahora no solo estamos compitiendo contra la vigilancia de los titulares de tarjetas, sino que estamos en una carrera a toda velocidad contra estos sistemas de alerta que están ansiosos por evitar que nuestros pedidos lleguen a nuestras manos. Es una guerra de dos frentes y debemos ser más inteligentes, más rápidos y más estratégicos que nunca.

Debemos pensar en nuestro enfoque. Debemos atacar durante los períodos de alto volumen de datos, cuando estos sistemas están sobrecargados de datos. El tsunami de transacciones durante el Viernes Negro o el Ciberlunes podría darnos la oportunidad de pasar desapercibidos. Y recuerde, estas herramientas son poderosas, pero no perfectas. Todavía dependen de que los titulares de tarjetas detecten y denuncien los cargos no autorizados. Siempre podemos lanzar una campaña de spam en el correo electrónico y el número de teléfono del titular para que no se enteren. Nuestro trabajo es estar un paso por delante, encontrar los puntos débiles y explotarlos antes de que nos alcancen.
Texto oculto: no se puede citar.


Reflexiones finales: adaptarse o morir

El mundo de las devoluciones de cargos y la detección de fraudes está evolucionando más rápido que un virus en una placa de Petri. Como emisores de tarjetas de crédito, debemos mantenernos a la vanguardia o corremos el riesgo de volvernos obsoletos.

Comprender las complejidades de los contracargos (desde los factores que afectan su velocidad hasta los nuevos sistemas de alerta temprana) es crucial para nuestra supervivencia. Ya no se trata solo de saber cómo procesar las tarjetas , sino de comprender todo el ecosistema en el que operamos.

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

 

[allan0717]

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

早期欺诈警报不仅仅是商家的新玩具；在加快退款响应时间和降低利润方面，它确实有用。我们不再只是在与运输时间赛跑；我们面对的是复杂的工具，这些工具可以在发生争议或退款时（甚至在调查开始之前）向商家发出警告。

这些系统（如Verifis Rapid Dispute Resolution、Ethoca Alerts 和ChargeBlast）正在银行和商家之间建立一条直接的管道。当持卡人对争议有丝毫担心时，银行就会通过这些网络发送该信息，并通过联系商家来揭发交易。结果呢？商家会在几小时甚至几分钟内得到消息。这就像他们有一个水晶球，这对我们来说是个坏消息。

对于信用卡欺诈者来说，这意味着我们的机会越来越小。商家不再是坐以待毙的傻瓜。他们可以在完全退款之前冻结订单或停止发货。

这对我们来说意味着什么？速度不再只是重要的事，而是生死攸关的事。我们现在不只是在与持卡人的警惕性赛跑。我们正在全力冲刺这些警报系统，它们急于阻止我们的订单落入我们的手中。这是一场双线战争，我们需要比以往任何时候都更聪明、更迅速、更具战略性。

我们需要考虑我们的方法。在交易量大的时候，这些系统会被数据淹没。黑色星期五或网络星期一的交易海啸可能会给我们一个机会来钻空子。请记住，这些工具功能强大但并不完美。它们仍然依赖于持卡人注意和报告未经授权的收费。我们总是可以在持卡人的电子邮件和电话号码上进行垃圾邮件活动，这样他们就不知道了。我们的工作是领先一步，找到薄弱环节并在他们赶上之前利用它们。
* 隐藏文字：无法引用。*


结束语：适应或死亡

退款和欺诈检测领域的发展速度比培养皿中的病毒还要快。作为信用卡持有者，我们需要保持领先地位，否则就会面临被淘汰的风险。

了解退款的复杂性（从影响退款速度的因素到新的预警系统）对于我们的生存至关重要。这不再只是知道如何刷卡；而是要了解整个生态系统的运作。

工具越来越智能，而我们也一样。是时候在这个不断发展的游戏中展示我们的能力了。请记住，在卡片世界中，知识不仅仅是力量——它还关乎生存。

因此，请随时了解最新情况，随时准备改变策略，永远不要停止学习。退款游戏可能会越来越难，但这也意味着精通它的人将获得更丰厚的回报。现在就行动起来，向这些银行和商家展示真正的创新是什么样子吧。

教义出来了。

米mmmmmmmmmmmm

 

[Motionqueen]

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.

Done

 

[robert5876]

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.

Goood

 

[amateru]

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.

 

[Murlo]

thanks again g