American and European stores often do not ship products to customers in Russia, Ukraine, Kazakhstan, and other former Soviet countries if they were ordered from a PayPal linked to a card that belongs to a citizen of the United States, Canada, or European countries. Major stores and payment systems have anti-fraud systems that block suspicious transactions.
But this does not stop scammers
They order a gift card (e-gift) from the victim’s credit card, and then receive the code of this gift card from the victim’s hacked email. The order is made directly from your account, but using the gift card code.
Also, carders create «self-regs». A hacked Bank account is purchased, PayPal is registered to t, and your phone number, address, and email address are specified. It is often possible to take out a loan on such an account, and not just spend the available positive balance.
However, this option is almost not used recently, because PayPal in most cases rejects registration and linking of a Bank account.
Another option is to use an intermediary
Of course, theoretically, the intermediary can turn the parcel back if the store calls and indicates that carding is taking place. But you can accidentally make a mistake in the phone number of the intermediary. This increases the chance of the parcel passing.
Large stores have started to fight against carders, but smaller stores are not so actively resisting fraudsters. Virtually all stores that offer gift cards or certificates are under attack. Ordering items and equipment directly from someone else’s account is more likely to be «wrapped».
Carders don’t just order things
You can not only order physical goods from cards but also withdraw money. There are casinos, online games, and other virtual money transfer options.
Finally, there are cryptocurrency exchanges that allow you to buy coins relatively anonymously, then sell them and withdraw money to your card. Transactions in cryptocurrency are non-refundable, so the system will not be able to automatically return money to the cardholder.
The cashier at the supermarket, too, can be a carder
Cashiers in supermarkets and shop assistants usually do not have high salaries. But if they are engaged in carding, they get 5-10 times more money.
When you make a payment with a card, the cashier or seller can view and remember the data unnoticed. For some sites, when ordering products, the card number and CVV2, which is written on the back, are sufficient. But the carder can go further and put its own «reader» to read all the card data.
So if you suddenly lose money a few hours or days after visiting the store, who will you think of? Certainly not the cashier or the salesman…