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Executive SummaryThis chapter provides a comprehensive guide to creating and utilizing self-registered PayPal accounts (commonly referred to as “самореги ПП” in Russian carding circles). Self-reg PayPal accounts are user-created rather than hacked or purchased from third parties. They offer several advantages over compromised accounts but require patience, operational discipline, and a methodical approach to avoid triggering PayPal’s robust anti-fraud systems.
1. What is a Self-Reg PayPal Account?A self-registered PayPal account is created manually by the fraudster using either stolen personal data (commonly known as “fullz” or “фулка”) or fabricated information that passes verification checks. Unlike brute-forced or hacked accounts, these accounts are considered more stable and less likely to face immediate restrictions.
Key Benefits• Lower Risk of Chargebacks: Self-registered accounts generally incur fewer chargebacks because they do not involve unauthorized access to a victim’s account.
• Greater Control: You manage every step of account creation, verification, and warming.
• Fewer Red Flags on Purchases: Transactions processed via PayPal are less scrutinized compared to direct credit card payments.
2. Pros and Cons of Self-Reg PayPal Accounts Advantages•
Reduced Transaction CancellationsPayPal serves as a middleman, which decreases the likelihood of order cancellations compared to direct card payments.
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Fewer Shipment ComplicationsOrders paid via PayPal are typically processed without additional verification by merchants.
Disadvantages•
Time-Intensive Warm-Up ProcessInstant large transactions are a red flag. Accounts need to undergo a “warming” phase to establish credibility.
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Resource RequirementsSuccessful registration requires high-quality fullz, reliable phone numbers, and linked payment instruments.
3. Requirements for Creating a Self-Reg PayPal Account
Full Personal Data (Фулка)You will need detailed personal information from a legitimate identity—ideally from a U.S., UK, or EU citizen. This includes:
• Full Name
• Date of Birth
• Physical Address
• Social Security Number (optional but beneficial for some verifications)
• Valid Phone Number
• Email Address
Phone Number• Must match the region of the fullz
• Use VoIP services cautiously (Google Voice, Burner)
• For better success rates, opt for real SIMs registered under matching credentials
Bank Account (BA)• Essential for verifying and lifting PayPal’s withdrawal limits
• Can be a real bank account or a virtual bank account (e.g., Revolut, Wise)
• Needs to be validated through micro-deposits
Credit Card / Virtual Credit Card (CC/VCC)• Required for linking to PayPal to enable sending payments
• VCC services like Entropay, Privacy.com, or custom-generated cards are frequently used
• BIN selection must align with the region and issuing bank of the fullz
4. Step-By-Step Guide to Creating a Self-Reg PayPal Account
Account Creation• Use clean residential proxies or VPN with region-matching IP
• Fill in all details precisely as per fullz
• Register a new email address—avoid Gmail or Hotmail; use lesser-known services for anonymity
• Confirm email and phone number immediately
Linking Bank Account and Credit Card• Add bank details first, verify via micro-deposit (two small deposits sent by PayPal)
• Then link a VCC or CC to enable payments
• Name on the CC should match the PayPal registration name
Security Setup• Activate Two-Factor Authentication (2FA)
• Add security questions (answers based on fullz)
• Enable alerts for unusual activity to monitor for potential red flags
5. Example of Fullz Used in Self-Reg Name | Dale S Murray |
|---|---|
 Address | 7955 Colee Cove Road, Saint Augustine, FL 32092 |
| Phone Number | 904-555-1234 |
 Email | [email protected] |
| Bank | Revolut VCC linked |
 Proxy Location | Jacksonville, FL |
Important: Consistency across all information is key. Address mismatches or proxy discrepancies can immediately flag an account.
6. Warming Up the Self-Reg PayPal Account
Purpose of WarmingPayPal uses behavioral analytics to flag suspicious activity. A self-reg account with zero history attempting a $1,000 transaction will raise alarms.
Warming ProcedurePhase 1: Initial Transactions
• Send small payments ($1-$5) to other PayPal accounts
• Purchase low-cost digital goods (ebooks, stock photos)
• Receive payments from reputable PayPal accounts
• Wait at least 3-7 days between actions
Phase 2: Mid-Level Transactions
• Increase transaction amounts to $20-$100
• Buy tangible goods from small merchants
• Start receiving refunds to simulate legitimate transaction patterns
Phase 3: High-Value Transactions
• Gradually make larger purchases
• Avoid abrupt spikes in transaction volume
• Consider adding more verification documents (utility bill, ID scans)
7. Verification Levels Level | Verification Steps | Notes |
|---|---|---|
| Basic | Email, phone confirmation | Allows sending/receiving small payments |
| Mid-Level | ID upload, proof of address | Required for high-volume transactions |
| Full Verification | Bank statements, transaction explanations | Needed for limits removal, high-risk regions |
8. Practical Applications for Self-Reg PayPal Accounts E-Commerce Purchases• Buy goods with lower risk of order cancellation
• Leverage PayPal’s buyer protection to push through questionable orders
Dropshipping and Reselling• Use self-reg PayPal accounts to receive payments for dropshipping schemes
• Funnel profits to main accounts after laundering through layered transactions
Service Payments• Purchase digital services (hosting, VPN, proxies)
• Pay contractors or service providers anonymously
9. Operational Security (OpSec) Best Practices Proxy and IP Hygiene• Consistently use region-matched residential proxies
• Avoid IP leaks by disabling WebRTC and DNS prefetching in the browser
Device Fingerprint Isolation• Use anti-detect browsers (Linken Sphere, AdsPower)
• Isolate each PayPal account on separate browser profiles or virtual machines
Record Keeping• Document all credentials, transactions, and proxy configurations
• Track warming progress and flag anomalies for review
Summary Checklist Obtain high-quality fullz for PayPal registration Use clean residential proxies matching region Create and verify email, phone, and bank account Link CC/VCC with matching fullz details Warm the account over several weeks with graduated transactions Maintain OpSec through isolated browsers, proxies, and devices Regularly review activity for red flags or PayPal limitations
ConclusionSelf-registered PayPal accounts offer an effective and low-risk approach for fraudulent transactions when handled properly. Patience in the warming process, meticulous alignment of personal data, and strict operational security are essential for long-term success. By following the detailed methodology outlined in this chapter, you can maximize account longevity and profitability.
