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Hitting OpenAI API Credits
If one things certain its that there are a gazillion ways to make money through
carding. One particularly
juicy target is
OpenAIs API credits - a digital commodity thats in high demand and surprisingly
easy to hit if you know what youre doing. This guide will walk you through exploiting
OpenAIs payment system to stack API credits that you can flip for quick profit.
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OpenAI API
Almost everyone and their grandma knows about
OpenAI these days - theyre the tech wizards behind
ChatGPT thats been plastered all over the news. But heres what most people dont realize: behind that fancy chatbot is an API thats powering thousands of AI applications. That AI character app youre chatting with? Running on
OpenAIs API. Those AI image generators? Same deal. Every single one of these fucks is paying
OpenAI for API access.
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The real
money maker here is their API console. Once you successfully card some credits youve got a hot commodity that developers and businesses who want to save money are desperate to get their hands on. While we wont dive into the reselling aspect in this guide (that will be covered elsewhere) just know theres a thriving market on
Telegram and various forums.
Restrictions
Before you start salivating over potential profits you need to understand their tiered deposit system. Fresh accounts start at their most
restricted tier with a
pathetic $100 monthly limit. Getting to the good shit requires building account history:
- Free tier: $100/month max restricted to certain regions
- Tier 1: Unlocks after spending $5 still capped at $100/month
- Tier 2: Need $50 spent + 7 days history raises cap to $500/month
- Tier 3: Requires $100 spent + 7 days history bumps you to $1000/month
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Youve got one reliable play here: spread your hits across multiple fresh accounts to stay under radar. Their tiered system is meant to catch
amateurs who try to max out fresh accounts - but with proper volume and patience we can play their own system against them.
Payment Security
OpenAI runs their payments through
Stripe - if youve been following our guides you should be intimately familiar with this payment processor by now. But heres where it gets interesting: weve discovered some unique quirks in how
OpenAI implements
Stripe that we can exploit for maximum success rate as we will get on our advanced tricks section.
Normal Process
Create a fresh
OpenAI account
here using our standard processes (solid antidetect, proxies, card) when dealing with Stripe powered sites.
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Head to billing and prepare your card details
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Depending on how you feel about your setup and card topup 60 to 100 bucks.
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If successful gradually escalate using our advanced techniques below.
Advanced Tricks
Lets get into the real meat - three killer techniques thatll give you an edge: reliable hitting credit transfer methods and phoneless API access.
Using the API Without a Phone Number
OpenAIs phone verification requirement is a
pain in the ass especially since they use phone numbers to track and ban suspicious accounts. This is bad if you plan to use the account yourself or if you plan to sell API keys instead of accounts. But heres a neat bypass: Create a service account within the org you added credits to. The API key for this service account works just like a regular API key - full access to all the AI endpoints without phone verification. Perfect for reselling API access or using it yourself without leaving traces.
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Hitting Reliably
The secret sauce here is
OpenAIs auto-topup feature. Instead of going balls to the wall with a massive charge heres the play: Start by binding your card and testing with a $60 initial charge. Then set auto-topup to trigger when balance drops below $70 automatically recharging to $100. Why? Because auto-topup transactions get processed differently -
Stripe treats them like recurring payments which face less scrutiny. With non-sensitive bins you can keep this cycle going building account history and unlocking higher deposit limits.
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Passing Credits to Another Account
OpenAI doesnt want you transferring credits between accounts but theres always a workaround. Heres the trick: Use their organizations feature. Once youve got an account loaded with credits create an organization invite your target account as an admin then have them boot you from the org. Boom - credits effectively transferred. This is perfect for consolidating credits from multiple hits into a single account for easier management. The credit itself wont get consolidated but the account will have several orgs under it that have credits.
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Once youve found a consistent buyer of your credits you can reliably use these two techniques together - auto-topup for steady hit and org transfers for clean delivery. Set up multiple accounts with auto-topup running in the background while you funnel the credits through orgs to your buyers account. They get a steady stream of credits you get consistent payouts and the risk stays minimal since youre working with smaller amounts spread across accounts.
Working with Logs
Heres where things get even juicier - the credit transfer technique works perfectly with
logs. Got access to an account that already has a card bound to
OpenAI? Fucking beautiful. You can leverage that existing payment method to stack credits without dealing with any new card verification bullshit and get away scot-free with the credits.
The process is dead simple:
*** Hidden text: cannot be quoted. ***
Just like that youve got full control of those credits without leaving any connection to your hitting setup. The original account holder cant cry all they want but they cant do shit about it either - once theyre kicked from the org those credits are yours to flip.
This works especially well with
corporate logs since they often have higher spending limits already approved. If you ever get a juicy log with no limits you can easily hit tens of thousands in credits and they wont be able to do shit.
Conclusion
OpenAIs API credits are a fucking
cash cow for anyone smart enough to milk it right. From auto-topup tricks to org transfers and log exploitation youve got a complete playbook for printing money. Next up is selling these credits, which we will cover soon enough.
This isnt some fucking video game where you get infinite
respawns. One sloppy move and your fucked - accounts banned, cards burned, money gone. So heres the brutal truth: start by starting with 2-3 accounts first. Test different approaches on each one. Document what triggers
flags. Build your process methodically. Because while some dipshits will try to cram everything through a single account, the real players know sustainable success comes from
diversifying your attack surface. Your choice if you want to learn this lesson the easy way or the hard way.
Keep your
OPSEC airtight your methods clean and your greed in check. The moneys there for the taking but only if youre smart enough to stay in the game long-term. Now get out there and put this knowledge to work - just dont come crying when you ignore these warnings and get your dumb ass flagged. d0ctrine out.
