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 the members of association.

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.