gottaguy
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Do you need guidance and more on how to bypass KYC successfully ?
Need to Bypass Anti-Fraud System ?
Want to Bypass KYC for application or OTP bypass and more ?
Feel free to connect. I’m always happy to help
Telegram: @billygunna
Ever wondered how you could have what is arguably the most flawless setup (high balance card, proper BIN, clean same city socks) imaginable on the cyberspace and still not get a good hit while carding something online? Ever wondered why Stripe keeps refusing your ‘high-balance’ card even for a low amount? Or why even a cheap order on Shopify gets cancelled due to ‘unforeseen circumstances’?
The answer is quite simple: AI Anti-Fraud Systems. And today we’re tackling this concept that is foreign to noobs, but seasoned carders are all too familiar with. Understanding it essentially guarantees a shipment notification in your email, and not an order cancellation notice.
What are modern anti-fraud systems?
Antifraud systems are essentially gates and hoops you have to bypass (besides the bank) in order for your order to get successfully processed. The systems decide whether to force you to go through 3DS, or not. The companies who run these include, but not limited to:
Stripe Radar
Signifyd
Riskified
Accertify
Forter
SEON
Who came up with this shit?
While large websites like Amazon, Walmart, etc roll their own, corporate assholes figured out that there’s money to be made in stopping script kiddies from copy pasting free CCs from Telegram and getting their iPhone 15 Pro Maxes next day. Somehow they had the brilliant idea of offering fraud prevention as a service (SaaS). Their pitch to business owners was simple: You install our javascript on your website and we watch over everyone who’s trying to make an order from your store, we get to decide whether an order is approved or not. All orders we process we take a % cut. If we approve an order and it turns out to be fraudulent and the cardholder charges back, we compensate you 100% for your loss.
This is probably one of the most profitable venture ever created, just a little bit below a casino. Think about it: Not only are there statistically a minuscule percentage of fraudulent orders compared to legitimate ones, an overwhelming majority of carders doing fraud are—lets admit it—noobs and are very easy to detect. If you’re one, then keep reading as this is perfect for you.
But what makes them different?
Two words: data & AI. Modern antifraud systems became much more effective since they are equipped with more data—since hundreds/thousands of businesses use them, they are effectively collecting order data from thousands of shopping websites—and this in turn results in far more superior AI decision making. These systems asses your risk in a point-system where each hit or risky aspect of your purchase adds to your overall ‘risk score’. Their software are actually much easier to deploy, giving the business owner the peace of mind that there will be minimal chargebacks on their shopping site, and if ever there were, they are covered and compensated by the antifraud’s guarantee system.
At the heart of this is the tradeoff between true positives and false positives. An antifraud system that is too strict will block MOST of the fraudulent orders while at the same time blocking a huge portion of false positives (legitimate purchases). This is bad for the shop-owner, as often times their loss from blocked legitimate purchases are higher than the actual possibility of loss from fraudulent purchases; not to mention it damages their reputation whenever a legitimate customer attempts to purchase and is suddenly blocked without doing anything wrong. The job of the fraud detection companies is to fine-tune their AI and balance true positives to false positives.
And they need to make it as seamless as possible. A shopping owner nowadays wouldn’t have to hassle themselves in deciding if they should ship a shiny new PS5 to Brandon from Portland; the AI had already decided to reject the transaction because it has data that someone from the same delivery address charged-back a dildo purchase from six months ago. And if you’re shipping to a freight forwarder, good luck, because there are probably countless dildos already fraudulently purchased to that warehouse’s address.
Like
And Follow for more
CHECK OUT MY EXTRA SECRET SAUCE BELOW
Do you need guidance and more on how to bypass KYC successfully ?
Need to Bypass Anti-Fraud System ?
Want to Bypass KYC for application or OTP bypass and more ?
Feel free to connect. I’m always happy to help
Telegram: @billygunna
Goodluck
Need to Bypass Anti-Fraud System ?
Want to Bypass KYC for application or OTP bypass and more ?
Feel free to connect. I’m always happy to help
Telegram: @billygunnaEver wondered how you could have what is arguably the most flawless setup (high balance card, proper BIN, clean same city socks) imaginable on the cyberspace and still not get a good hit while carding something online? Ever wondered why Stripe keeps refusing your ‘high-balance’ card even for a low amount? Or why even a cheap order on Shopify gets cancelled due to ‘unforeseen circumstances’?
The answer is quite simple: AI Anti-Fraud Systems. And today we’re tackling this concept that is foreign to noobs, but seasoned carders are all too familiar with. Understanding it essentially guarantees a shipment notification in your email, and not an order cancellation notice. What are modern anti-fraud systems?Antifraud systems are essentially gates and hoops you have to bypass (besides the bank) in order for your order to get successfully processed. The systems decide whether to force you to go through 3DS, or not. The companies who run these include, but not limited to:
Stripe Radar
Signifyd
Riskified
Accertify
Forter
SEON
Who came up with this shit?While large websites like Amazon, Walmart, etc roll their own, corporate assholes figured out that there’s money to be made in stopping script kiddies from copy pasting free CCs from Telegram and getting their iPhone 15 Pro Maxes next day. Somehow they had the brilliant idea of offering fraud prevention as a service (SaaS). Their pitch to business owners was simple: You install our javascript on your website and we watch over everyone who’s trying to make an order from your store, we get to decide whether an order is approved or not. All orders we process we take a % cut. If we approve an order and it turns out to be fraudulent and the cardholder charges back, we compensate you 100% for your loss.
This is probably one of the most profitable venture ever created, just a little bit below a casino. Think about it: Not only are there statistically a minuscule percentage of fraudulent orders compared to legitimate ones, an overwhelming majority of carders doing fraud are—lets admit it—noobs and are very easy to detect. If you’re one, then keep reading as this is perfect for you.
But what makes them different?Two words: data & AI. Modern antifraud systems became much more effective since they are equipped with more data—since hundreds/thousands of businesses use them, they are effectively collecting order data from thousands of shopping websites—and this in turn results in far more superior AI decision making. These systems asses your risk in a point-system where each hit or risky aspect of your purchase adds to your overall ‘risk score’. Their software are actually much easier to deploy, giving the business owner the peace of mind that there will be minimal chargebacks on their shopping site, and if ever there were, they are covered and compensated by the antifraud’s guarantee system.
At the heart of this is the tradeoff between true positives and false positives. An antifraud system that is too strict will block MOST of the fraudulent orders while at the same time blocking a huge portion of false positives (legitimate purchases). This is bad for the shop-owner, as often times their loss from blocked legitimate purchases are higher than the actual possibility of loss from fraudulent purchases; not to mention it damages their reputation whenever a legitimate customer attempts to purchase and is suddenly blocked without doing anything wrong. The job of the fraud detection companies is to fine-tune their AI and balance true positives to false positives.And they need to make it as seamless as possible. A shopping owner nowadays wouldn’t have to hassle themselves in deciding if they should ship a shiny new PS5 to Brandon from Portland; the AI had already decided to reject the transaction because it has data that someone from the same delivery address charged-back a dildo purchase from six months ago. And if you’re shipping to a freight forwarder, good luck, because there are probably countless dildos already fraudulently purchased to that warehouse’s address.
Like
And Follow for more
CHECK OUT MY EXTRA SECRET SAUCE BELOW
Do you need guidance and more on how to bypass KYC successfully ?
Need to Bypass Anti-Fraud System ?
Want to Bypass KYC for application or OTP bypass and more ?
Feel free to connect. I’m always happy to help
Telegram: @billygunnaGoodluck
