GokhanWinchester
Banned
- Joined
- 29.04.23
- Messages
- 72
- Reaction score
- 9
- Points
- 8
Ty
Carding 🅿️ PayPal Checkout Method 🅿️
- Thread starter d0ctrine
- Start date
-
- Tags
- paypal address verification system paypal antifraud system paypal carding success guide paypal carding success rate paypal carding tutorial paypal checkout method 2024 paypal checkout vulnerability paypal drop shipping method paypal fraud detection bypass paypal fraud prevention bypass paypal merchant protection bypass paypal shipping address trick paypal standard checkout exploit paypal transaction security paypal two-step verification exploit
donguskongus
Carding Novice
- Joined
- 14.03.25
- Messages
- 14
- Reaction score
- 2
- Points
- 3
ty ty
PayPal Checkout Method
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
tks
Thuoclaotiennu2k
Carding Novice
- Joined
- 15.03.25
- Messages
- 14
- Reaction score
- 1
- Points
- 1
Thx
![Mother](https://pic-cc.com/data/avatars/m/184/184865.jpg?1743169386"){kind=avatar}
Mother
Carding Novice
- Joined
- 08.03.25
- Messages
- 18
- Reaction score
- 0
- Points
- 1
Nice
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
티
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
하지만 PayPal 사기 탐지를 진정으로 강력하게 만드는 것은 이 배송 인텔리전스와 방대한 사용자 데이터 세트를 결합하는 방식입니다. 미국의 거의 모든 성인은 어느 시점에서 PayPal 과 상호 작용했습니다 . 직접 구매를 통해 지불을 받거나 사용하지 않은 계정을 만드는 것입니다. 이러한 상호 작용은 각각 위험 모델에 반영되어 신뢰할 수 있는 관계 와 검증된 행동 의 복잡한 웹을 생성하는데, 이는 기존 카드 기술 로는 침투하기 거의 불가능합니다 .
Bill=Ship 트릭이 작동하지 않는 이유
행운을 빌어요. 일반 신용카드 거래와 달리 대부분 사이트는 PayPal 결제가 통과 되면 아무것도 바꿀 수 없게 합니다 . 그럴 만한 이유가 있습니다. PayPal은 기본적으로 사기 없는 보장이기 때문 입니다 .
생각해보세요. 신용카드로 결제하면 사이트에서 사기 검사를 거듭거듭 거치고 온갖 검증 헛소리를 합니다. 하지만 PayPal 로 결제하면? 그 쓰레기는 아무 질문 없이 다음 날 포장해서 배송됩니다. 왜? 이 상인들이 PayPal 사기 탐지가 신의 영역 이라는 걸 알고 있기 때문입니다 . 그들은 PayPal이 사기꾼을 근절한 실적을 보고 , 자신의 어머니보다 더 신뢰합니다.
상인의 논리는 간단합니다. PayPal을 통해 카드 결제를 시도할 만큼 어리석은 사람은 없습니다 . 위험 모델이 너무 정교하고 데이터 세트가 너무 방대합니다. 그래서 PayPal 결제가 들어오면 결제 후 정보가 변경되지 않는 한 사기 방지 신이 직접 축복한 것처럼 여깁니다.
배송 주소 스위처루
여기서 흥미로운 일이 벌어집니다. 우리가 이야기했던 2단계 PayPal Standard Checkout 흐름을 기억하십니까? 승인과 최종 처리 사이의 그 격차는 단순한 변덕이 아닙니다. 우리의 빌어먹을 망치입니다. 요점을 더 잘 전달하기 위해 무작위 Shopify 매장을 예로 들어 설명하겠습니다 .
View attachment 49771
PayPal Standard Checkout을 사용하여 Shopify 매장을 상대할 때 시스템을 어떻게 조작할 것인지 알려드리겠습니다.
- 장바구니에 물건을 담고 결제를 진행하세요.
- 배송 정보란에 카드 소유자의 실제 주소를 입력하세요.
- 이것은 중요합니다. PayPal은 신뢰할 수 있는 주소를 확인해야 합니다.
- PayPal 이 카드에 대해 기록한 내용과 일치하는지 확인하세요.
- '다음'을 클릭하고 결제 페이지에서 'PayPal로 결제' 버튼을 누릅니다.
- PayPal은 신뢰할 수 있는 배송 주소를 확인합니다.
- 사기 감지가 따뜻하고 흐뭇한 느낌을 줍니다.
- 승인은 순조롭게 진행됩니다.
- 마법이 일어나는 곳은 바로 여기입니다.
- PayPal 승인 후 최종 확인 전
- Shopify를 사용하면 주문을 마지막으로 한 번 '검토'할 수 있습니다(매장에서 Express Checkout을 사용하는 경우 즉시 거래가 진행됨).
- 이것은 배송 주소를 드롭 으로 전환하는 경우입니다.
- PayPal은 이미 승인을 받았으므로 다시 확인하지 않습니다.
- 마지막 '지금 결제' 버튼을 누르세요
- PayPals 사전 승인 토큰을 통한 거래 프로세스
- Shopify에서 업데이트된 배송 정보를 받습니다.
- 패키지는 카드 소지자가 아닌 귀하의 집 으로 향합니다.
이것이 매력적으로 작동하는 이유와 방법
*** 숨겨진 텍스트: 인용할 수 없습니다. ***
마지막 생각
그럼, 여기 있습니다. 성배 카드링 페이팔 체크아웃이 드러났습니다. 우리는 그저 벽에 똥을 던지고 무언가가 붙기를 바라는 것이 아닙니다. 이것은 체크아웃 흐름의 근본적인 결함을 정확하게 악용한 계산된 것입니다.
하지만 기억하세요 - 이건 '재빨리 돈벌기' 헛소리가 아닙니다. PayPals 사기 탐지는 여전히 괴물입니다.
그리고 제발 OPSEC을 단단히 유지하세요. 드롭 을 섞고 구매 금액을 다양하게 하고 같은 PayPal 계정을 두 번 재사용하지 마세요.
수업은 끝났어. 이제 가서 돈을 벌어 - 다만 지름길로 가서 망쳤을 때 나한테 울지 마.
교리를 밖으로.
444moneydrum
Active Carder
- Joined
- 11.12.24
- Messages
- 25
- Reaction score
- 2
- Points
- 3
going to help alot
alexjamesball4r43
Carding Novice
- Joined
- 19.03.25
- Messages
- 2
- Reaction score
- 0
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- 1
9pp
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
The
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
breached101
Carding Novice
- Joined
- 02.11.24
- Messages
- 5
- Reaction score
- 0
- Points
- 3
w
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
Tha
Thank You!
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
Nhưng điều khiến khả năng phát hiện gian lận của PayPal thực sự đáng gờm là cách nó kết hợp thông tin tình báo về vận chuyển này với bộ dữ liệu người dùng khổng lồ của họ. Hầu như mọi người lớn ở Hoa Kỳ đều đã từng tương tác với PayPal tại một thời điểm nào đó - cho dù thông qua việc mua hàng trực tiếp nhận thanh toán hay chỉ tạo một tài khoản mà họ chưa từng sử dụng. Mỗi tương tác này đều đưa vào mô hình rủi ro của họ, tạo ra một mạng lưới phức tạp các mối quan hệ đáng tin cậy và các hành vi đã được xác minh mà gần như không thể xâm nhập bằng các kỹ thuật thanh toán bằng thẻ thông thường .
Tại sao thủ thuật Bill=Ship không hiệu quả
Chúc may mắn. Không giống như các giao dịch thẻ tín dụng thông thường, hầu hết các trang web sẽ không cho bạn thay đổi bất cứ thứ gì sau khi thanh toán PayPal được thực hiện. Và có một lý do chính đáng cho điều đó - PayPal về cơ bản là sự đảm bảo không gian lận của họ .
Hãy nghĩ về điều này: Khi bạn thanh toán bằng thẻ tín dụng, các trang web sẽ kiểm tra gian lận và đủ loại xác minh vớ vẩn. Nhưng thanh toán bằng PayPal ? Thứ vớ vẩn đó được đóng gói và vận chuyển vào ngày hôm sau mà không cần hỏi lý do. Tại sao? Bởi vì những thương gia này biết rằng khả năng phát hiện gian lận của PayPal là tuyệt đỉnh . Họ đã thấy thành tích của PayPal trong việc ngăn chặn những kẻ gian lận và họ tin tưởng PayPal hơn cả mẹ của họ.
Logic của các thương gia rất đơn giản: Không ai đủ ngu ngốc để thử thanh toán qua PayPal . Các mô hình rủi ro quá phức tạp và tập dữ liệu quá lớn. Vì vậy, khi họ thấy một khoản thanh toán PayPal được thực hiện, họ coi như nó được các vị thần phòng chống gian lận ban phước miễn là không có thông tin nào bị thay đổi sau khi thanh toán.
Địa chỉ giao hàng Switcharoo
Đây là nơi mọi thứ trở nên thú vị. Bạn còn nhớ quy trình Thanh toán PayPal Standard hai bước mà chúng ta đã nói đến không? Khoảng cách giữa quá trình ủy quyền và quá trình xử lý cuối cùng không chỉ là một sự kỳ quặc - đó là cái búa chết tiệt của chúng ta. Để hiểu rõ hơn, hãy minh họa bằng một cửa hàng Shopify ngẫu nhiên .
View attachment 49771
Khi bạn đang giao dịch với một cửa hàng Shopify sử dụng PayPal Standard Checkout, đây là cách chúng ta có thể làm hỏng hệ thống của họ:
- Thêm sản phẩm của bạn vào giỏ hàng và tiến hành thanh toán
- Tại thông tin vận chuyển nhập ĐỊA CHỈ THỰC CỦA CHỦ THẺ
- Điều này rất quan trọng - PayPal cần thấy một địa chỉ mà họ tin cậy
- Hãy đảm bảo rằng nó khớp với những gì PayPal có trong hồ sơ của thẻ
- Nhấp vào 'Tiếp theo' và trên trang thanh toán, hãy nhấn nút 'Thanh toán bằng PayPal'
- PayPal thấy một địa chỉ giao hàng đáng tin cậy
- Việc phát hiện gian lận của họ mang lại cảm giác ấm áp và dễ chịu
- Sự cho phép được thực hiện một cách sạch sẽ
- Đây là nơi phép thuật xảy ra:
- Sau khi PayPal xác thực nhưng TRƯỚC khi xác nhận cuối cùng
- Shopify sẽ cho phép bạn 'xem lại' (trừ khi cửa hàng sử dụng Thanh toán nhanh, trong trường hợp đó, cửa hàng sẽ tiến hành giao dịch ngay lập tức) đơn hàng của bạn lần cuối
- Đây là lúc bạn chuyển địa chỉ giao hàng đó sang địa chỉ thả của bạn
- PayPals đã ban phước lành cho họ không kiểm tra lại nữa
- Nhấn nút 'Thanh toán ngay' cuối cùng
- Quá trình giao dịch thông qua mã thông báo được PayPal ủy quyền trước
- Shopify nhận được thông tin vận chuyển cập nhật của bạn
- Gói hàng sẽ được chuyển đến địa điểm giao hàng của bạn thay vì đến chủ thẻ
Làm thế nào và tại sao điều này hoạt động như một sự quyến rũ
*** Văn bản ẩn: không thể trích dẫn. ***
Suy nghĩ cuối cùng
Vậy là bạn đã có nó - chiếc chén thánh thanh toán PayPal bị phơi bày. Chúng tôi không chỉ ném phân vào tường ở đây và hy vọng có thứ gì đó dính vào. Đây là sự khai thác chính xác được tính toán từ một lỗ hổng cơ bản trong quy trình thanh toán của họ.
Nhưng hãy nhớ rằng - đây không phải là trò lừa bịp 'làm giàu nhanh chóng'. Khả năng phát hiện gian lận của PayPal vẫn là một con quái vật.
Và vì Chúa, hãy giữ OPSEC của bạn chặt chẽ. Trộn lẫn các lần thả , thay đổi số tiền mua và không bao giờ sử dụng lại cùng một tài khoản PayPal hai lần.
Tan học. Giờ thì đi kiếm tiền đi - nhưng đừng đến khóc với tôi khi bạn làm hỏng mọi chuyện bằng cách cắt xén tiền.
d0ctrine ra.
ngocuonggcdhx
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garygarygaaary
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good thread
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
Jetbehittin
Carding Novice
- Joined
- 26.03.25
- Messages
- 13
- Reaction score
- 0
- Points
- 1
.
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.
Harrowmeow
Carding Novice
- Joined
- 10.03.25
- Messages
- 16
- Reaction score
- 3
- Points
- 3
Ty
PayPal is fucking everywhere. Every major retailer every dinky little Shopify store theyre all waving that blue and yellow buttons in your face. But most carders treat PayPal checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
View attachment 49759
But heres where it gets interesting - Ive been sitting on a method thats been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today Im going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow
View attachment 49760
Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal for payment
- Payment processes immediately on PayPals end
- Customer returns to store with completed transaction
- No additional confirmation needed
- Common on basic ecommerce sites
PayPal Standard Checkout (Two-Step Process)
- Customer hits 'Pay with PayPal' button
- Gets redirected to PayPal to authorize (but not process) payment
- Returns to merchant site with PayPal token
- Can still modify shipping/billing details
- Must hit final 'Pay Now' button to complete
- Used by larger retailers for flexibility
View attachment 49766
This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? Thats our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast thats been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses dont lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. Theyve built an extensive database of trusted delivery locations tied to every PayPal account and card thats ever touched their system.
Think about it - that $5 shit card youre trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address theyve never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.
But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors thats nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work
Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And theres a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. Theyve seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Heres where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isnt just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random Shopify store.
View attachment 49771
When youre dealing with a Shopify store using PayPal Standard Checkout heres how were gonna fuck with their system:
- Add your shit to cart and proceed to checkout
- At shipping info enter the CARDHOLDERS REAL ADDRESS
- This is crucial - PayPal needs to see an address they trust
- Make sure it matches what PayPal has on records for the card
- Click 'Next' and on the payment page hit that 'Pay with PayPal' button
- PayPal sees a trusted shipping address
- Their fraud detection gets a warm fuzzy feeling
- Authorization goes through clean as a whistle
- Heres where the magic happens:
- After PayPal authorization but BEFORE final confirmation
- Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
- This is when you switch that shipping address to your drop
- PayPals already given their blessing they aint checking again
- Smash that final 'Pay Now' button
- Transaction processes through PayPals pre-authorized token
- Shopify gets your updated shipping info
- Package heads to your drop instead of the cardholder
How and Why This Works Like A Charm
*** Hidden text: cannot be quoted. ***
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this aint some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just dont come crying to me when you fuck it up by cutting corners.
d0ctrine out.