Carding Terms

Carding Terms:

3DS/3-D Secure - XML-based protocol designed to be an additional security layer for
online credit and debit card transactions.

ACH - Automated Clearing House. The voluntary association of depositors, which
achieves clearing of checks and electronic units by the direct exchange of means between

Amex - American Express.ATM - An unattended, magnetic stripe-reading terminal that dispenses cash; accepts
deposits and loan payments; enables a bank customer to order transfers among accounts
and make account inquiries.

Authorization - The process in which a credit card is accepted, read and approved for a
sales transaction. Credit card authorization is normally accomplished by reading a credit
card through a credit card reader that is integrated into a register or stand-alone reading
device. Generally, pertinent credit information is transmitted via a modem and telephone
line to a credit card "clearinghouse". The clearing house (authorization source)
communicates with the credit card's bank for approval and the appropriate debit amount
of the sale.

AVS - Address Verification System. Used for confirmation the card belongs exactly to its
holder.

BIN - Bank Identification Number. First 6 digits of PAN. Used to identify the Issuing
Bank and Card Type.

Blockchain - The "core" of bitcoin; usually refers to blockchain.info, where all bitcoin
transactions are publicly recorded.

BTC - Bitcoin. Anonymous digital currency.

BTC Address - a unique identifier which allows you to receive bitcoins.
Chargeback - Cardholder's bank voids the removal of money from it's card.

CC - Credit Card. Usually refers to physical card.

CID - Card Indentification Number. 4 digit verification code on front of card [Amex].

COB - Change of billing. Used for online carding, to change the billing address of a card
since Online Stores will only ship large items if the billing and shipping address match.
Once you have this, you can easily change the card address to that of your drop so that
the stores ship items to your drop, since the billing and shipping addresses will match.

Coercivity--The measure of how much magnetic force is needed to change the state of a
magnetized element. The higher the coercivity, the more force is needed. There are two
types of magnetic stripe cards, low coercivity and high coercivity. While low coercivity
cards can be erased if they get too close to a common magnet, high coercivity cards are
not as easily erased.

CVC/CVC2 - Card Verification Code. Same as CVV, but for Mastercard.

CVV/CVV2 - Card Verification Value. 3 digit code on reverse of card used to validate
Card-not-Present purchases [Visa]. Alternatively it can be used to refer to basic stolen
card information [PAN+EXP+CVV].

DC - Debit Card. Card, which resembles the credit card by the method of using, but
making possible to realize direct buyer account debiting at the moment of the purchase of
goods or service.

Deer - Scammer (buyer)

Direct Debit - Payment levy method, mainly, with the repetitive nature (lease pay,
insurance reward, etc.) with which the debitor authorizes his financial establishment to
debit his current account when obtaining of calculation on payment from the indicated
creditor.

DL - Driver's License.

DOB - Date of Birth.

Drop - Anonymous address which is unconnected to the carder, where packages can be
sent.

Dump - information, which is written to the magnetic strip of the card. It consists of 1,2
or 3 tracks.

EFT - Electronic Fund Transfer. The remittance of means, initiated from the terminal,
telephone or magnetic carrier (tape or diskette), by transfer of instructions or authorities
to financial establishment, that concern to the debiting or crediting of the account (see
Electronic Fund Transfer/Point of Sale - EFT/POS).

EFT/POS - Electronic Fund Transfer/Point of Sale. Debiting from the electronic terminal,
for the means transfer purpose from the account of a buyer into the payment on the
obligations, which arose in the course of transaction at the point of sale.

Embosser - a machine designed for use with plastic cards to create raised print characters.

EMV - Europay, MasterCard and VISA. A global standard for inter-operation of
integrated circuit cards.

Encoder - Read/write device for the magnetic track of the card.

E-shop - Online shop.

Exp - Expiry Date.

ewallet - External provider where bitcoins can be stored.

Fulls/Fullz - Credit card data which comes with additional information such as DOB,
SSN, MMN, Bank information etc. Clarify with each vendor what their fulls include.

GSM - Global System for Mobile Communication. A communications standard for
mobile phones.

Hologram - A unique form of photographic printing that is a flat optical image that to the
naked eye looks and provides a three-dimensional effect on a flat surface. Holograms
cannot be easily copied and are used for security and aesthetic purposes on cards.

ICC - Integrated Circuit Card (also as chip card). Card equipped with one either several
computer micros-chip or integrated microcircuits for identification and storing of data or
their special treatment, utilized for the establishment of the authenticity of personal
identification number (PIN), for delivery of permission for the purchase, account balance
checking and storing the personal records. In certain cases, the card memory renewal
during each use (renewed account balance).

ICQ - Instant messaging service popular among carders.

IIN - same as BIN.

ISO - International Standardisation Organisation. International organization, which
carries out standardization, with the staff office in Geneva, Switzerland.

Issuing Bank - Financial Institution that issued the card.

Jabber - an open source, XML-based instant messaging platform commonly used by
carders.

LR - Liberty Reserve. Anonymous digital currency [now obsolete].

MC - Mastercard.

MCSC - Mastercard Secure Code - Mastercard's implementation of 3-D Secure protocol.
Merchant account - Bank account for accepting credit cards.

MICR - Magnetic Ink Character Recignition. System, which ensures the machine reading
of the information, substituted by magnetic inks in the lower part of the check, including
the number of check, the code of department, sum and the number of account.

MMN - Mother's Maiden Name.

NFC - Near Field Communication. A technology standard for very-short-range wireless
connectivity that enables quick, secure two-way interactions. Similar to RFID and
incorporated into most modern smartphones.

OTR - Off the Record. Cryptographic protocol that provides strong encryption for instant
messaging conversations.

PAN - Primary Account Number. Usually refers to 16 digit number on front of card.
Pidgin - Instant messaging client supporting AOL, Yahoo, MSN, ICQ and Jabber
networks.

PIN - Personal Identification Number. A 4-12 character secret code that allows an issuer
to positively authenticate the cardholder for the purpose of approving an ATM or
terminal transaction occurring at a point-of-interaction device.

Plastic - Physical card. Usually refers to blank or cloned cards.

POS - Point of Sale. Term normally used to describe cash register systems that record
transactions or the area of "checkout" in a retail store.

Reader - A device that reads the magnetic stripe on a credit card for account information
to automatically be processed for a transaction. A credit card reader is either integrated
into a register, attached onto a register as a separate component or is part of a stand-alone
terminal dedicated for the sole function of processing credit card transactions.

Ripper - Scammer (vendor)

RFID - Radio Frequency Identification. Technology which allows an object or person to
be identified at a distance, without physical contact, using radio waves to energise and
communicate with some form of tag or card.

Skimming - The fraudulent copying of the magnetic stripe stored information.

SIM - Subscriber Identification Module. Smart card that connects to a GSM phone and
establishes the users identity.

Socks - SOCKet Secure. Internet protocol that routes network packets between a client
and server through a proxy server.

SSN - Social Security Number.

Tipper - a machine designed for foil stamping of raised print characters on plastic cards
(see also Embosser).

Track - One of up to three portions of a magnetic stripe where data can be written.

Track 1 - Information on a credit card that has a 79 character alphanumeric field for
information. Normally a credit card number, expiration date and customer name are
contained on track 1.

Track 2 - Information on a credit card that has a 40 character field for information.

Normally a credit cad number and expiration date are contained on track 2.

Track 3 - Normally not used. Information on a credit card that has 107 character field for
alphanumeric information. Normally a credit card number, expiration date and room for
additional information are available on track 3.

VBV - Verified by Visa - Visa's implementation of 3-D Secure protocol.

VPN - Virtual Private Nework.

XMPP - See entry for Jabber.