Carding 🌍 Chapter 10: Europe and Asia Fraud Operations (Revised)

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Global Exploitation Strategies for European and Asian Carding Markets​

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Introduction​

This chapter provides an advanced, field-tested guide to fraud operations targeting European and Asian markets. Its purpose is to equip operatives with the specialized knowledge required to blend seamlessly into high-level carding communities. Every tactic, method, and data point listed here is based on verified intelligence and reflects real-world criminal methodologies currently in use. This knowledge must be applied with precision, as any gaps or incorrect assumptions could expose the operative.

The key to survival—and success—is not just to blend in, but to lead. By mastering the content in this document, an undercover officer can establish credibility, gain trust, and create opportunities to gather intelligence critical to rescuing kidnapped personnel. The following sections offer specific instructions on European and Asian carding techniques, recommended BINs, payment systems, merchant weaknesses, and practical application of anti-fraud evasion.

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Understanding Regional Differences​

Europe and Asia Versus the U.S.​

Fraud operations in Europe and Asia differ significantly from those in North America. The primary distinctions are:

• Address Verification System (AVS) is rarely used in Europe and almost non-existent in Asia. This allows for greater flexibility in shipping and billing address mismatches.
• Verified by Visa (VbV)/3D Secure implementations vary. Some regions enforce them strictly, while others disable these features to encourage higher sales conversions.
• Payment processors and merchant acquirers in Europe and Asia have different risk appetites and fraud mitigation policies.

Understanding these nuances is essential. European fraud operations often target smaller merchants with lax fraud controls. Asian operations leverage digital wallets and exploit the lack of advanced verification mechanisms.

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🪪 Recommended BINs and Card Data​

One of the fastest ways to earn credibility is to demonstrate knowledge of high-value BINs. Providing working BINs or understanding their properties will position an operative as an expert.

High-Value BINs for European and Asian Operations​

Long Chargeback Period BINs (Europe Focus)​

• BIN: 426684(Visa Classic, Germany, Commerzbank)
  • No VbV on many issuances
  • High success on non-3D Secure merchants
  • Long chargeback window (up to 120 days)
• BIN: 457110(Visa Business, UK, Barclays)
  • Often issued without VbV
  • Business cards process higher ticket purchases without additional verification
  • Commonly used for B2B merchant exploitation

Non-VbV / Weak 3D Secure BINs (Asia Focus)​

• BIN: 466739(Visa Classic, Japan, MUFG Bank)
  • VbV enrollment optional, many cards are issued non-VbV
  • Frequently used on Japanese domestic merchants that skip AVS completely
• BIN: 520082(MasterCard, South Korea, Hana Bank)
  • Weak 3D Secure implementation
  • High approval rate for domestic and cross-border online transactions

Prepaid and Gift Card BINs (Universal Application)​

• BIN: 402635(Visa Prepaid, Netherlands, Paysafe)
  • No AVS
  • Frequently used for gaming and digital goods
• BIN: 532128(MasterCard Prepaid, Singapore, YouTrip)
  • Excellent for digital wallet funding fraud
  • No name verification required

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Regional Merchant Strategies​

European Market Exploitation​

Target Countries​

• Germany
  • High volume of small e-commerce businesses
  • Many shops do not use AVS or VbV
• France
  • Luxury goods boutiques with poor anti-fraud systems

Preferred Payment Processors​

• Adyen
  • Widely used by merchants in EU
  • Inconsistent enforcement of 3D Secure
• Wirecard(Legacy systems still in use by smaller merchants)
  • Historically skipped VbV verification
  • Common in the airline and travel sectors

Tactics​

• Transaction Amount Testing
  • Start with small test purchases (under €50)
  • Gradually scale up based on merchant fraud detection patterns
• Customer Behavior Simulation
  • Browse the site extensively
  • Add/remove items from the cart
  • Create an account and use a local email domain (e.g., mail.de)

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Asian Market Exploitation​

Target Countries​

• Japan
  • Domestic merchants often skip address verification
  • VbV optional on many credit card issuers
• South Korea
  • Heavy focus on digital goods (gaming, gift cards)
  • Less regulated merchants cater to cross-border transactions

Preferred Payment Processors​

• Line Pay and PayPay (Japan)
  • Minimal verification during wallet top-ups
  • Can be exploited with prepaid card BINs
• Alipay (China)
  • Domestic transactions bypass standard anti-fraud checks
  • Needs valid Chinese identity numbers for KYC bypasses (widely sold in fraud forums)

Tactics​

• Digital Wallet Top-Ups
  • Use non-VbV cards to fund wallets, then launder via gift cards
  • Target merchants who accept wallets without ID verification
• Coupon and Gift Card Arbitrage
  • Purchase discounted gift cards from local markets
  • Resell internationally through Telegram or dark web markets

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Quick Win Schemes​

European Quick Wins​

• Luxury Boutique Orders (France/Italy)
  • Focus on niche shops with outdated Magento or WooCommerce platforms
  • Process small orders (€300-€500), use mules for pickup at tourist locations
• Event Tickets
  • High demand in EU cities for concerts and festivals
  • Many ticketing systems use Adyen or WorldPay without VbV
  • Resell on Telegram channels

Asian Quick Wins​

• Korean Game Accounts and In-Game Currencies
  • Use weak 3D Secure BINs to fund accounts
  • Resell in-game assets on local and international marketplaces
• Japanese Electronics Shops
  • Many sites focus on foreign buyers and skip anti-fraud tools
  • Purchase items for reshipping through mules or drops

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Anti-Fraud Evasion Tactics​

Device Fingerprint Management​

• Use Linken Sphere with accurate regional fingerprint configs
• Match language, timezone, screen resolution to region

Proxy Selection​

• Residential proxies with IPs geolocated to specific regions
• Rotate proxies after every 2-3 transactions

Behavior Modeling​

• Simulate browsing behavior typical for the region
• Use regional keyboards for input simulation if challenged by behavioral analytics

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Testing & Data Collection Protocols​

• Record every transaction attempt in an encrypted Notion database
• Document:
  • Merchant name
  • Processor
  • Payment method
  • Card BIN and status (VbV/non-VbV)
  • Proxy IP geolocation
  • Transaction amount
  • Success/failure notes

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Final Recommendations​

1. Start Small, Scale Intelligently

• Test merchants with small amounts before scaling

1. Use Authentic Regional Profiles

• Emails, usernames, behavior need to align with local expectations

1. Leverage Non-VbV BINs

• Focus on countries and issuers known to skip additional verification

1. Operate Across Multiple Merchants

• Avoid repeat transactions with the same merchant within a short window

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