Detailed Overview of Common Tools and Equipment for Carding Business
In modern financial services, credit card-related operations are both widespread and complex. From credit card repayment and cash-out services to point-running, risk control bypass, and multi-account applications, every step requires professional tools, environmental configurations, and data resource support. This article outlines five major business scenarios and details the commonly used tools and equipment configurations in credit card-related operations.
Helping users manage funds before repayment due dates through the "swipe → withdraw → repay" cycle, or using POS machines to perform "empty card cash-out."
| Category | Tool / Device Description |
|---|---|
| POS Devices | Handheld POS, large POS (supports remote transaction simulation), e.g., Haike Rongtong, Newland, Shengfutong |
| Repayment System | Automated repayment system with customizable plans (e.g., by date/amount) |
| Risk Control Bypass | Used with various merchant codes (MCC) to evade bank risk strategies |
| Bill Analysis Tools | Fetching bill data (e.g., Alipay, WeChat, UnionPay mini program) to auto-generate repayment plans |
| Multi-card Management | KeePass, encrypted Excel sheets, or custom card management system to track credit limits, billing dates, etc. |
- One device per account, avoid frequently changing device ID and network
- Rotate merchant pools to avoid repeated cash-out from the same merchant
Using credit cards to purchase virtual goods (e.g., Steam, App Store, ads) for commissions, often referred to as "point running" in grey markets.
| Category | Tool / Device Description |
|---|---|
| Proxy IP | Residential/IP proxy matching card origin country (e.g., MoMoProxy) |
| Fingerprint Browser | GoLogin / AdsPower / Multilogin to spoof real device fingerprints |
| Virtual Cards | Stripe VCC, BIN cards, Wise cards, Privacy cards |
| Payment Platforms | Stripe merchant account, PayPal merchant, Google Pay / Apple Pay |
| Devices | Cloud phones, emulators, cloud servers + browsers to simulate environments |
| Detection Tools | IPQualityScore, Scamalytics, Binlist.net |
- IP must match credit card issuing country (to avoid risk control)
- Use behavior simulation scripts (avoid instant transactions)
Apply for credit cards on behalf of clients or bulk register virtual/local credit cards using fake identities to exploit new card promotions.
| Category | Tool / Device Description |
|---|---|
| Identity Data | Virtual IDs, proof of address (utility bills, phone bills, etc.) |
| SMS Platforms | 5sim, SMSPVA (for account registration) |
| Email Systems | Zoho Mail, Mail.tm, Temp-Mail |
| Proxy IP | High anonymity residential IP (e.g., MoMoProxy US, UK, CA) |
| Browser Isolation | GoLogin / AdsPower with unique environment setups |
| Virtual Address Services | US/UK address generators or shipping address services (e.g., Shipito) |
- Each card application requires a clean, unique browser environment
- Consistency between email/phone/IP/device fingerprint is crucial
Testing whether credit cards work under various payment scenarios, understanding bank risk controls, or bypassing transaction restrictions.
| Category | Tool / Device Description |
|---|---|
| Multi-browser Environment | Multi-account isolation (Multilogin, VMLogin) |
| Remote Simulation | VPS for different geolocations, cloud phones, real devices + proxy IPs |
| Auto Testing Scripts | Selenium, Playwright (automate payment flows) |
| BIN Checker Tools | Binlist.net, IIN Lookup, Stripe BIN API |
| Black Card Detection | Platforms identifying flagged card segments (for legal testing only) |
| IP Scoring Tools | IPQualityScore, MaxMind, FraudLabs Pro |
- Use different IPs/fingerprints for each test to avoid blacklisting
- Use sandbox environments (e.g., Stripe Sandbox) for safe simulations
Taking advantage of promotions like cashback, foreign transaction bonuses, or first-use rewards by registering multiple cards and automating small transactions.
| Category | Tool / Device Description |
|---|---|
| Promo Sources | Credit card forums, bank promotion aggregators (e.g., Carding forum, discount hunter communities) |
| Automation Scripts | Simulated consumption scripts to meet transaction thresholds |
| Multi-account Tools | Register and simulate multiple user profiles |
| Test Merchant Platforms | Custom merchant backend for simulation transactions (legal use only) |
| Cashback Tracker | Auto tracker for number of transactions, amount, and cashback time |
- Link promo card and transaction platform to appear as a genuine user
- Use IFTTT or Python scripts to set cashback reminders
| Category | Tool / Service Platform |
|---|---|
| Proxy IP | MoMoProxy, SmartProxy |
| Browser Emulation | Multilogin, AdsPower, GoLogin |
| Cloud Hosts | AWS, Tencent Cloud Lite, Alibaba Cloud, BandwagonHost |
| Virtual Cards | Wise, Privacy, Stripe VCC |
| SMS Platforms | 5sim, SMS-Activate, SMSPool |
| Environment Testing | Whoer, BrowserLeaks, IPQualityScore |
| Fake ID Generator | FakeNameGenerator, Shipito address service |
| Automation Tools | Python + Selenium / Auto.js |
This guide outlines essential tools and configurations for various credit card-related operations. From repayment to risk control testing, success relies on combining secure environments, automation, and data precision. For professionals in the field, mastering these setups ensures efficiency, reduces risk, and enhances compliance across complex financial scenarios.
- Disclaimer: This article is for compliance professionals only. All content is for informational purposes and must not be used for any illegal activity.
