Carding Websites Demystified Carding is the process of obtaining unauthorized access to a card’s information and fraudulently using it for personal gain. How does it work? Criminals aim to carry out carding transactions in two forms, either through cloning physical cards or through utilizing the Card Not Present (CNP) feature during online access. CNP fraud has significantly increased over time as it bypasses the checks for the identity of the person at the other end of the transaction. The Carder (Actor of Fraud) then uses the card information to conduct fraudulent transactions or sells the card information itself. How does card information get into the hands of carders and how does it happen? There are numerous ways in which a card’s information can be stolen, with actual carding activities commonly possible via: Data breaches: Where a merchant, payment processor, acquirer, or a bank is breached through a sophisticated hack, resulting in a bulk of card PAN & PIN being ac...
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