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Account Take-Over Fraud
Do you dream of carding thousands of dollars worth of computer hardware on Newegg? It's doable, but
not easy. You have to follow the right steps. I carded a $10,000 gaming rig in under 2 weeks using
platinum cards by following that guide, so I'm in position to tell you how.
First thing, check the balance of your credit card. Now, before going crazy, remember this rule of
thumb: Do not use card checkers! They burn the card very quick. Let's repeat that: Do not use card
checkers. Repeat that in your head several times. Let me explain.
Every transaction automatically gets a fraud score between 0 and 999. The system used to evaluate
transactions is the same used by the big 4 banks and is called Fair Issac. Transactions having a fraud
score over 300 will hit manual review by an agent, who will decide if they contact the cardholder or
just let it though. Scores over 500 with auto-decline, block the card, and an agent will contact the
cardholder. Some banks have different criterias, but things that can affect the fraud score are:
• Comparison with the usual spending pattern of the cardholder
• Location of the charge
• Amount
• Risk factor of the associated merchant
For example, a $20 charge in the cardholder's local Walmart will not trigger anything, but a large
purchase of $2000 on Newegg.com will have a high fraud score and probably auto-decline if the
cardholder rarely makes online purchases.
So how is this relevant? A small card-not-present charge followed by a big charge will make the fraud
score very high, because they assume you are testing the card. If they see a small $1 charge, then a few
minutes later a large purchase online, they will auto-decline the card and your plan will likely fail.
There are much better ways to check if a card works. The best way is to call the bank's toll-free number
and use the automated prompts. This brings no danger, however use Spooftel to spoof your number to
display the cardholder's number. Once you do that, you are ready to call the issuing bank's number and
check how much is left on the card. Let's get to it.
Call the bank using your burner phone and have in hand the following information, according to the
bank. The automated prompt will give you access to the transaction list, balance, and a few other
options. Here is the information for the biggest 4 banks:
Chase Bank – 1-800-432-3117
• Full card number
• Zip code
Note: If you correctly spoofed the phone number, you will only be asked for the last 4 digits of the
card, otherwise you will be asked for the full card number.
Citibank – 1-800-627-3999
• Full card number
• Last 4 digits of SSN
Bank of America – 1-888-421-2110
• Full card number
• Zip code
Capital One – 1-800-955-7070
• Full card number
• Last 4 digits of SSN
If, for any bank, you enter the card number and the system immediately transfers you to an agent
without additional questions, it means the account is closed and the card is burnt. No need to waste
time on this one, just hang up and use another card. The agent will only tell you the same thing, and
you will look dumb.
Update: Spooftel and Spoofcard have updated their systems and some bank numbers are blocked,
especially Capital One. If this happens, call any other number related to the bank, even a local branch if
numbers aren't blacklisted, and do any option to speak to an agent. Just tell them that you were looking
for the credit card department and you don't know if you are at the right place. You will get transferred
and therefore bypass the block.
It's always a good practice to take note of the last transactions and amounts, just in case you get asked
for them later. Listen to them and write them down, I recommend up to 8 transactions for maximum
safety.
So you have the balance and the available credit line now. Nice! So you know how much you can
spend online. Before you go crazy though, there is one more obstacle you need to be aware of: many
sites like Newegg or TigerDirect refuse to ship to an address that is not on file with the bank. And
chances are that your cardholder does not reside at your drop address. Here is how we will solve this
problem, introducing the Account Take-Over fraud, also known as ATO.
ATO is the process in which a fraudster (you) calls the bank to make whatever changes he wants to the
account, without the cardholder knowing. This involves speaking with a customer service agent and
using social engineering. Before you even think about pressing 0 to speak to an agent, make sure you
have, at the very least, the following information in hand:
• Full card number, expiration date, CCV code
• Full billing address of the cardholder (and county)
• Date of birth (and write down the age too, not just the DOB)
• SSN
• MMN (Mother Maiden Name)
• Employer name (facultative, if possible, try to find it on Facebook)
• Car make and model (facultative, if possible, try to do a Google StreetView on the CH's house)
• House size and value (facultative, if possible find it in realestate.com as this is public
information)
• Driver's license number, expiration, state (facultative)
• Previous addresses
• Background report
In case you do not have the MMN, try to guess using common last names in the background report. If
you really cannot find it, sometimes it is possible to get around it with other questions. Once you have
this information in hand, study it, try to remember it. Remember, you are the cardholder, the card is
yours, and you are confident, just like when you call your own bank for a legitimate request.
When you call the bank, you will be usually asked for 3 security tokens. Those tokens can be, but are
not limited to: DOB, SSN, Address, CCV code, cellphone, MMN. If you fail 1 token, you will be asked
2 more. At this point, 2 things can happen:
1. You did it correctly, so the agent will listen to you and will do whatever request you have to do
on the CH's account, and no flags will be raised.
2. The agent suspects an ATO is occuring, and transfers you do the securiy department. This is
called the Verid department, and you will be asked 2 OoW (Out of Wallet) questions. Those are
multiple-choice questions based on the cardholder's credit history and public records. They can
be easy or tricks, it's random every time it happens. If you fail those, they will tell you that they
can't help you and will suggest you show up in person at your bank. They will also ring the
cardholder. So if you fail this one, forget this card, it's burnt to a crisp.
The first thing you want to do on the account is change the billing phone number. Only that. Do
nothing else, as making too many changes will raise a red flag on the account. Call to change the main
billing number and let the card sit still for at least 5 days.
All right, are you ready? Relax, sit in your favorite couch, call the bank, listen to the prompts, and press
0. The message goes on, this call may be recorded for quality purposes.
This is the first example, if you have the correct MMN (this is the most frequently asked token).
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Lucile.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: Thank you mister Layton, what can I do for you today?
This is the second example, if you do not have the MMN. Guess it, and do not hesitate. You know
yourself better than the agent does, and they can only rely on the information they have on their screen
to validate your answers.
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Smith.
Agent: I actually have something different here, it starts with C.
You: With C? It's impossible! Her name was Lucy Smith, she never used any other name!
Agent: Well, you do not have any other name that might start with C?
(if you have a last name starting with C on the background report)
You: My aunt's maiden name is Charlotte, but I doubt that's the answer you have on file.
(if you have nothing like that on the report)
You: No, no one in my family uses such a name.
Agent: Oh well, let me take note of this for you, can you confirm the last 4 digits of your social security
number?
You: 4456.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: And you billing address with the zip code?
You: 123 Fake Street, Fakeville, NY, 10008.
Agent: Thank you Mr. Layton, how can I help you today?
If you hear that, it means you got in. Otherwise, you will be transferred to the security department for
the multiple-choice questions, have your report in hand. If you fail, the card is dead. Make sure you
spoofed the cardholder's number, otherwise you could be asked for other questions like driver's license
number, vehicule plate number, etc. Those are questions you probably do not have the answer to.
Now, what you want to do is change the billing phone number. A sample dialog with the agent can go
as follow.
You: I would like to change my phone number. This phone will be disconnected tomorrow and I want
to give you my new primary number so you can reach me if there is something.
Agent: Okay I see, what is the number?
You: 234-567-8901.
Agent: Thank you, is there something else I can do for you?
You: No thanks.
Agent: Thank you for calling Chase, have a wonderful night.
Once you passed the verification part, the rest is pretty straightforward and is relaxing. Now that you
changed the billing number, let the card rest for at least 5 days. Do not make any transaction. The
cardholder will continue to use his card normally too. During your call, at the end, if you failed the
MMN question, you might want to remind the agent to change the MMN on file to avoid problems next
time you call.
Also take note, at any point, if the agent wants to put you on hold, or says he needs to verify something
and will be back, wait for him to put you on hold, and hang up. It basically means they are going to
ring the cardholder. If this happens, you might want to wait at least 48 hours before calling again, and
you will see just by the automated prompts if the card is burnt or not. Maybe they did not call the
cardholder, but in 90% of the cases, they did. It happens, especially with Citibank, who likes to replace
the Verid questions by a quick ring to the cardholder.
The questions often change when you call, but they always follow a certain pattern. By experience, I
will give you the tokens usually asked by the big 4 banks, but we aware that they might change, or they
might ask you other questions if they believe you are bogus. They can ask for your age to throw you
off, as you might not have to calculate it fast enough using the DOB. If you fail this verification, you
will be transferred to Verid department.
Chase Bank, level: hard
• Full name
• MMN (if failed, last transaction)
• Last 4 of SSN
Citibank, level: medium
• Full name
• Password (pet name, MMN, favorite hobby, or best friend, if failed, last 4 of SSN and CVV)
• Mailing address
• Phone number
Bank of America, level: easy
• Full name
• (sometimes) Verbal password, which is MMN (if failed, DOB)
• Last 4 of SSN
Capital One, level: medium
• Full name
• Last 4 of SSN
• MMN (if failed, DOB and mailing address)
Since you have to wait 5 days, it's a good idea to create an account on your target website, browse the
items, put some in your cart, go to checkout, go back, remove items, read descriptions. Just try to
appear like a legitimate shopper. Remember that $1000 is a lot of money for the average American and
if you show you don't care about your money and just throw items in your cart, you raise flags. Look
like you care about how much it costs.
There is also a technique that works well with Citibank: when you are asked for the MMN by the
automated system, if you fail, you will hear “the agent might need to ask you verification questions”,
and if you succeed, you will be connected and everything will be a breeze. When the automated system
asks you for the password, say “Jope” while putting a high tone on the O sound, then slightly lower
your pitch. Say the word at normal speed, like when you are talking to someone. This will trick the
automated system into beleiving that you got it right. You might have to retry 2-3 times for it to work,
but I got it with almost all my accounts. This will save you a lot of hassle with the agent and will make
the call extremely easy.
Once you got rid of this verification process, it will be easier next time you call the bank for this
account. So let's suppose you followed me and let it sit for 5 days. Call again, and this time, we will
add a temporary shipping address to the account. A transcript can go as follow:
(pass verification questions)
You: I want to make a purchase from Newegg.com but they ask me to add a temporary shipping
address on file. I'm not sure how that works, do I just tell you where I want them to send my order?
Agent: Let me help you with that, we can add an alternate address on the account, what would be the
address?
You: 123 Fraud Street, Cardingville, CA, 98765.
Agent: No problem mister Layton, I have notated the account for you, is there something else I can
assist you with today?
You: No thank you
Agent: Have a good afternoon.
Almost all banks allow that, except Bank of America, who can only change the mailing address. That's
why their cards are not the best when it comes to level 3 carding, but some stores will do a conference
call with the bank to bypass this restriction. Chase works the best for temporary shipping addresses, but
is hard to ATO. It all depends on your skills and what you're comfortable with. All US banks accept a
Canadian address, and some banks may accept an international address.
Once you have added the alternate address in the account, it's time to make the hit. Take your account
on the website you want to card, shop a little bit again, then proceed to checkout. Try not to go over
$2000 per order. Enter the correct billing address, double-check the information. Enter the billing
phone number (the one you added on the file at the bank), then your shipping address. Triple-check all
the information for accuracy.
Then, send the order. You might be greeted by a VBV or MCSC form, but if you have the required
information, it should not be a problem. Enter the information they want to get, and submit the order.
Also, some websites like TigerDirect will ask you for your DOB and will give you 3 verification
questions to answer. Those are public records and can easily be found in your background report, so
don't be scared. If you fail 1 question, you will be asked an additional question. If you fail 2 or more,
the order will be put “on hold” and things will get harder, so try not to fail.
At this point, 2 things can happen when you submit the order. It depends on the spending habits of the
cardholder, and will make things easier or harder for you.
1. The order goes through without any problem, and becomes “pending” status.
2. The transaction get declined and the website says to call the issuing bank. If this happens, call
the bank, the system will act like the card is burnt (transfer without any additional questions),
and a fraud agent will answer. Remember, the card is yours, tell them you authorized the
transaction, but you don't know why it's declined. It's usually easy if you have the correct
information, but if you ATO'd the account before, chances are that you have everything it takes.
When the agent tells you you are all set, resend the order on the website. Call as soon as you get
the decline, don't wait, otherwise the real cardholder will get a call you don't want him to get.
All right, the order is now sent and the status is “pending”. The next section will tell you why some
orders get canceled (newbie mistakes), and why in your case everything should be all right.
I WISH TO HAVE YOUR SUPPORT HERE ON FORUM TO KEEP ME TO CONTINUE,THESE INFORMATIONS ARE WORTH THOUSAND OF DOLLARS.
Do you dream of carding thousands of dollars worth of computer hardware on Newegg? It's doable, but
not easy. You have to follow the right steps. I carded a $10,000 gaming rig in under 2 weeks using
platinum cards by following that guide, so I'm in position to tell you how.
First thing, check the balance of your credit card. Now, before going crazy, remember this rule of
thumb: Do not use card checkers! They burn the card very quick. Let's repeat that: Do not use card
checkers. Repeat that in your head several times. Let me explain.
Every transaction automatically gets a fraud score between 0 and 999. The system used to evaluate
transactions is the same used by the big 4 banks and is called Fair Issac. Transactions having a fraud
score over 300 will hit manual review by an agent, who will decide if they contact the cardholder or
just let it though. Scores over 500 with auto-decline, block the card, and an agent will contact the
cardholder. Some banks have different criterias, but things that can affect the fraud score are:
• Comparison with the usual spending pattern of the cardholder
• Location of the charge
• Amount
• Risk factor of the associated merchant
For example, a $20 charge in the cardholder's local Walmart will not trigger anything, but a large
purchase of $2000 on Newegg.com will have a high fraud score and probably auto-decline if the
cardholder rarely makes online purchases.
So how is this relevant? A small card-not-present charge followed by a big charge will make the fraud
score very high, because they assume you are testing the card. If they see a small $1 charge, then a few
minutes later a large purchase online, they will auto-decline the card and your plan will likely fail.
There are much better ways to check if a card works. The best way is to call the bank's toll-free number
and use the automated prompts. This brings no danger, however use Spooftel to spoof your number to
display the cardholder's number. Once you do that, you are ready to call the issuing bank's number and
check how much is left on the card. Let's get to it.
Call the bank using your burner phone and have in hand the following information, according to the
bank. The automated prompt will give you access to the transaction list, balance, and a few other
options. Here is the information for the biggest 4 banks:
Chase Bank – 1-800-432-3117
• Full card number
• Zip code
Note: If you correctly spoofed the phone number, you will only be asked for the last 4 digits of the
card, otherwise you will be asked for the full card number.
Citibank – 1-800-627-3999
• Full card number
• Last 4 digits of SSN
Bank of America – 1-888-421-2110
• Full card number
• Zip code
Capital One – 1-800-955-7070
• Full card number
• Last 4 digits of SSN
If, for any bank, you enter the card number and the system immediately transfers you to an agent
without additional questions, it means the account is closed and the card is burnt. No need to waste
time on this one, just hang up and use another card. The agent will only tell you the same thing, and
you will look dumb.
Update: Spooftel and Spoofcard have updated their systems and some bank numbers are blocked,
especially Capital One. If this happens, call any other number related to the bank, even a local branch if
numbers aren't blacklisted, and do any option to speak to an agent. Just tell them that you were looking
for the credit card department and you don't know if you are at the right place. You will get transferred
and therefore bypass the block.
It's always a good practice to take note of the last transactions and amounts, just in case you get asked
for them later. Listen to them and write them down, I recommend up to 8 transactions for maximum
safety.
So you have the balance and the available credit line now. Nice! So you know how much you can
spend online. Before you go crazy though, there is one more obstacle you need to be aware of: many
sites like Newegg or TigerDirect refuse to ship to an address that is not on file with the bank. And
chances are that your cardholder does not reside at your drop address. Here is how we will solve this
problem, introducing the Account Take-Over fraud, also known as ATO.
ATO is the process in which a fraudster (you) calls the bank to make whatever changes he wants to the
account, without the cardholder knowing. This involves speaking with a customer service agent and
using social engineering. Before you even think about pressing 0 to speak to an agent, make sure you
have, at the very least, the following information in hand:
• Full card number, expiration date, CCV code
• Full billing address of the cardholder (and county)
• Date of birth (and write down the age too, not just the DOB)
• SSN
• MMN (Mother Maiden Name)
• Employer name (facultative, if possible, try to find it on Facebook)
• Car make and model (facultative, if possible, try to do a Google StreetView on the CH's house)
• House size and value (facultative, if possible find it in realestate.com as this is public
information)
• Driver's license number, expiration, state (facultative)
• Previous addresses
• Background report
In case you do not have the MMN, try to guess using common last names in the background report. If
you really cannot find it, sometimes it is possible to get around it with other questions. Once you have
this information in hand, study it, try to remember it. Remember, you are the cardholder, the card is
yours, and you are confident, just like when you call your own bank for a legitimate request.
When you call the bank, you will be usually asked for 3 security tokens. Those tokens can be, but are
not limited to: DOB, SSN, Address, CCV code, cellphone, MMN. If you fail 1 token, you will be asked
2 more. At this point, 2 things can happen:
1. You did it correctly, so the agent will listen to you and will do whatever request you have to do
on the CH's account, and no flags will be raised.
2. The agent suspects an ATO is occuring, and transfers you do the securiy department. This is
called the Verid department, and you will be asked 2 OoW (Out of Wallet) questions. Those are
multiple-choice questions based on the cardholder's credit history and public records. They can
be easy or tricks, it's random every time it happens. If you fail those, they will tell you that they
can't help you and will suggest you show up in person at your bank. They will also ring the
cardholder. So if you fail this one, forget this card, it's burnt to a crisp.
The first thing you want to do on the account is change the billing phone number. Only that. Do
nothing else, as making too many changes will raise a red flag on the account. Call to change the main
billing number and let the card sit still for at least 5 days.
All right, are you ready? Relax, sit in your favorite couch, call the bank, listen to the prompts, and press
0. The message goes on, this call may be recorded for quality purposes.
This is the first example, if you have the correct MMN (this is the most frequently asked token).
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Lucile.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: Thank you mister Layton, what can I do for you today?
This is the second example, if you do not have the MMN. Guess it, and do not hesitate. You know
yourself better than the agent does, and they can only rely on the information they have on their screen
to validate your answers.
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Smith.
Agent: I actually have something different here, it starts with C.
You: With C? It's impossible! Her name was Lucy Smith, she never used any other name!
Agent: Well, you do not have any other name that might start with C?
(if you have a last name starting with C on the background report)
You: My aunt's maiden name is Charlotte, but I doubt that's the answer you have on file.
(if you have nothing like that on the report)
You: No, no one in my family uses such a name.
Agent: Oh well, let me take note of this for you, can you confirm the last 4 digits of your social security
number?
You: 4456.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: And you billing address with the zip code?
You: 123 Fake Street, Fakeville, NY, 10008.
Agent: Thank you Mr. Layton, how can I help you today?
If you hear that, it means you got in. Otherwise, you will be transferred to the security department for
the multiple-choice questions, have your report in hand. If you fail, the card is dead. Make sure you
spoofed the cardholder's number, otherwise you could be asked for other questions like driver's license
number, vehicule plate number, etc. Those are questions you probably do not have the answer to.
Now, what you want to do is change the billing phone number. A sample dialog with the agent can go
as follow.
You: I would like to change my phone number. This phone will be disconnected tomorrow and I want
to give you my new primary number so you can reach me if there is something.
Agent: Okay I see, what is the number?
You: 234-567-8901.
Agent: Thank you, is there something else I can do for you?
You: No thanks.
Agent: Thank you for calling Chase, have a wonderful night.
Once you passed the verification part, the rest is pretty straightforward and is relaxing. Now that you
changed the billing number, let the card rest for at least 5 days. Do not make any transaction. The
cardholder will continue to use his card normally too. During your call, at the end, if you failed the
MMN question, you might want to remind the agent to change the MMN on file to avoid problems next
time you call.
Also take note, at any point, if the agent wants to put you on hold, or says he needs to verify something
and will be back, wait for him to put you on hold, and hang up. It basically means they are going to
ring the cardholder. If this happens, you might want to wait at least 48 hours before calling again, and
you will see just by the automated prompts if the card is burnt or not. Maybe they did not call the
cardholder, but in 90% of the cases, they did. It happens, especially with Citibank, who likes to replace
the Verid questions by a quick ring to the cardholder.
The questions often change when you call, but they always follow a certain pattern. By experience, I
will give you the tokens usually asked by the big 4 banks, but we aware that they might change, or they
might ask you other questions if they believe you are bogus. They can ask for your age to throw you
off, as you might not have to calculate it fast enough using the DOB. If you fail this verification, you
will be transferred to Verid department.
Chase Bank, level: hard
• Full name
• MMN (if failed, last transaction)
• Last 4 of SSN
Citibank, level: medium
• Full name
• Password (pet name, MMN, favorite hobby, or best friend, if failed, last 4 of SSN and CVV)
• Mailing address
• Phone number
Bank of America, level: easy
• Full name
• (sometimes) Verbal password, which is MMN (if failed, DOB)
• Last 4 of SSN
Capital One, level: medium
• Full name
• Last 4 of SSN
• MMN (if failed, DOB and mailing address)
Since you have to wait 5 days, it's a good idea to create an account on your target website, browse the
items, put some in your cart, go to checkout, go back, remove items, read descriptions. Just try to
appear like a legitimate shopper. Remember that $1000 is a lot of money for the average American and
if you show you don't care about your money and just throw items in your cart, you raise flags. Look
like you care about how much it costs.
There is also a technique that works well with Citibank: when you are asked for the MMN by the
automated system, if you fail, you will hear “the agent might need to ask you verification questions”,
and if you succeed, you will be connected and everything will be a breeze. When the automated system
asks you for the password, say “Jope” while putting a high tone on the O sound, then slightly lower
your pitch. Say the word at normal speed, like when you are talking to someone. This will trick the
automated system into beleiving that you got it right. You might have to retry 2-3 times for it to work,
but I got it with almost all my accounts. This will save you a lot of hassle with the agent and will make
the call extremely easy.
Once you got rid of this verification process, it will be easier next time you call the bank for this
account. So let's suppose you followed me and let it sit for 5 days. Call again, and this time, we will
add a temporary shipping address to the account. A transcript can go as follow:
(pass verification questions)
You: I want to make a purchase from Newegg.com but they ask me to add a temporary shipping
address on file. I'm not sure how that works, do I just tell you where I want them to send my order?
Agent: Let me help you with that, we can add an alternate address on the account, what would be the
address?
You: 123 Fraud Street, Cardingville, CA, 98765.
Agent: No problem mister Layton, I have notated the account for you, is there something else I can
assist you with today?
You: No thank you
Agent: Have a good afternoon.
Almost all banks allow that, except Bank of America, who can only change the mailing address. That's
why their cards are not the best when it comes to level 3 carding, but some stores will do a conference
call with the bank to bypass this restriction. Chase works the best for temporary shipping addresses, but
is hard to ATO. It all depends on your skills and what you're comfortable with. All US banks accept a
Canadian address, and some banks may accept an international address.
Once you have added the alternate address in the account, it's time to make the hit. Take your account
on the website you want to card, shop a little bit again, then proceed to checkout. Try not to go over
$2000 per order. Enter the correct billing address, double-check the information. Enter the billing
phone number (the one you added on the file at the bank), then your shipping address. Triple-check all
the information for accuracy.
Then, send the order. You might be greeted by a VBV or MCSC form, but if you have the required
information, it should not be a problem. Enter the information they want to get, and submit the order.
Also, some websites like TigerDirect will ask you for your DOB and will give you 3 verification
questions to answer. Those are public records and can easily be found in your background report, so
don't be scared. If you fail 1 question, you will be asked an additional question. If you fail 2 or more,
the order will be put “on hold” and things will get harder, so try not to fail.
At this point, 2 things can happen when you submit the order. It depends on the spending habits of the
cardholder, and will make things easier or harder for you.
1. The order goes through without any problem, and becomes “pending” status.
2. The transaction get declined and the website says to call the issuing bank. If this happens, call
the bank, the system will act like the card is burnt (transfer without any additional questions),
and a fraud agent will answer. Remember, the card is yours, tell them you authorized the
transaction, but you don't know why it's declined. It's usually easy if you have the correct
information, but if you ATO'd the account before, chances are that you have everything it takes.
When the agent tells you you are all set, resend the order on the website. Call as soon as you get
the decline, don't wait, otherwise the real cardholder will get a call you don't want him to get.
All right, the order is now sent and the status is “pending”. The next section will tell you why some
orders get canceled (newbie mistakes), and why in your case everything should be all right.
I WISH TO HAVE YOUR SUPPORT HERE ON FORUM TO KEEP ME TO CONTINUE,THESE INFORMATIONS ARE WORTH THOUSAND OF DOLLARS.
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