Credit Card Dumps Latest carding tutorial

Introduction to credit card atm dump carding

Credit cards Dumps carding is far more interesting and involves a much larger group to perform it successfully. As its name suggests, offline or in-store carding means swiping the counterfeit cards at the actual stores or POS terminals to make purchases. In order to this, the buyer must convert his dumps into plastic cards. The buyer can either do it himself if he has the required hardware and software or he can again head back to his darkweb to let third party do this for him.

There are specific stores in the  forums that specialize in creating counterfeit cards using the dump data. They provide wide verity of options based on card brands, genre etc. Their neatness and enhanced customization make them a vital part of this fraud ecosystem. But at times, there are chances of a double fraud where the fake card generating store might run away with your dump details thus leaving you with nothing. Reputation is the key to this fraud system 

What is dump carding?

A credit card dump is a type of carding in which the criminal makes an unauthorized digital copy of a credit card. This type of carding has existed for decades, but it has seen wider public awareness in recent years due to the rising prevalence of credit card forgeries, identity theft, and other types of cybercrime.

Types of Specific software used to clone a dump with pin for instore carding

Pro carders prefer creating counterfeit cards in-house to avoid leakage of their purchased dumps. In order to do this, there are some specific hardware and software requirements.

  1. Plain plastic cards or fake counterfeit cards without any data on magnetic strip.
  2. Magnetic card reader/writer.
  3. • Software to write Track 1, 2 and 3 data onto the plastic cards.
  4. • The process begins by purchasing the counterfeit cards or plain plastic cards with magnetic strips.
  5. Once the card is available, the carder now requires a combination of Encoder hardware and software to write data onto the magnetic strip
  6. There are multiple variants of hardware available readily on popular ecommence websites and underground hacking forums. The most popular encoder amongst the community is the MSR206. It works fine with most versions of OS and compatible with popular encoding softwares like “thejerm” and “Exeba”.
  7. The process of writing data to Magnetic strip is very much self-explanatory. The carder needs to provide Track1 or Track 2 or both the track information from the dumps into the encoder software.
  8. Once the software is provided with these details, the hardware needs to be set up and the card needs to be properly placed in the encoder hardware. Once the writing process is complete, the card is now reading for shopping.

Safety tips undertaken by cloned atm dumps carders

  1. Generating fake signature at the back of the card for verification.
  2. Generating fake ID. In case of large purchases, the shop might ask for a valid ID proof before accepting the card.
  3. Having backup cards or cash in case the presented card payment fails. This would make the purchase look genuine to the merchant.

Offline or in-store carding may sound a bit risky but it has better success rate compared to online carding. Swipe and use is a convenient mode of payment for the merchants as well so they usually do-not look at such card usage as suspicious. On the contrary, online shopping involves computer based authentication and authorization so the chances of failure are high.

Best Places to Cash out Cloned atm card (Dump)

Carders also keep an eye on finding out ways for a more risk-free offline carding. Some of the most discussed and widely used techniques include:

  1. Choosing stores that do-not have enough security measures like CCTV camera or the supervisor is not very active in checking the card and ID before payment.
  2. • Using the card at self-service gas stations or self-service grocery stores. Usually there is no payment machine supervisor present at the self-service payments and the carder can easily swipe even a white plastic card and make the payment.
  3. Choosing stores that do-not have enough security measures like CCTV camera or the supervisor is not very active in checking the card and ID before payment.
  4. Making sure that they are dressed properly if purchasing some expensive or luxury item

The best quality dump you will probably find are skimmed dumps. Skimmed dumps mean that the actual card was swiped onto a portable Mag Stripe reader. Therefore, using these you know you will have all the correct information for track1 and track2. Hacked dumps are usually taken from databases by you guessed it, hackers. The quality on these are the normal quality that’s out there.

How to Write Track 1 and 2 Dumps with PIN

In this section, I am going to teach you how t write dump track 1 & 2 Follow the following step to write dump track 1 and 2:

Guide on how to use msr sofwtare to write dump

What is MSR Software ? An MSR is a device that converts information on the magnetic stripe of a credit card into data that can be understood by retail software. … The MSR is a device that converts the information on the magnetic stripe of the credit card into computer-readable data.
Now let’s get started:

Launch the EMV.EXE

Once you have installed, run the emv.exe as admin and enter the license key. The license key is included in the .txt note file that comes with the software.

Connect MCR200 to Your Computer

After you successful installations, connect the MCR200 hardware to your computer and select hardware on the EMV software, then got Connect.

Set Up EMV

After you connect the MCR200, a pop-up comes on. Note, choose your card format and click Check USD Port.

Note, select either MasterCard, Visa, etc. Depending on your card type.

Generate ARQC, Master Key, and CVV

Click the Generate ARQC button in the EMV software for a set of unique ARQC keys.

Next, click Generate Master Key to generate a set of the master key.

Finally, mark the box that says Generate a New ICVV For Each Transaction.

Accept EPI MXI Credit Debit and ARPC Key

Now, accept the EPI MXI credit debit and also accept the ARPC Key. Note that you have to store the ARPC Key.

Next Step

After you accept the options step above, use EMV Tag and ICVV.

Next, click Check ARQC KEY and Check Master Key.

Set Exp. Date and Enter PIN

In the following step, set the expiry date of the card including the month and year only. You do not need the day because credit cards request month and year of expiration only.

If you have the PIN, enter it at this stage. The PIN is not necessary though, but you cannot use the card on ATM if you do not know the PIN. So, without the PIN, you can use the card only for POS transactions.

I recommend using the card for POS only though.

Enter Track 1 and Track 2

Now, enter track 1 and track 2. Note that track 2 will carry ‘D’ instead of the regular ‘equal sign’ (=). For example, 514563446267380=12202040570004128900 will now be 514563446267380D12202040570004128900.

The difference is that I have replaced the ‘equal sign’ with D.

The reason I am changing the ‘equal sign’ (=) to is because the EMV software runs in .hex format and not in .txt because both POS and ATM run in .hex.

Burn the Smart Card

After you enter the track, click Valid. The computer will display a pop-up with the information you have written on the card. It should take about 2 minutes for the computer to burn the data onto the EMV chip of the card.

When the burning process is complete, click Exit to exit the EMV software and remove the card.

Note: Do not remove the card without exiting first.

Confirm the Card Data

Before you shut down the EMV software, confirm whether the card information is correct.

Restart the software, connect your card to the MCR200, and click Read Card on the interface of the EMV software. Within 1 minute, the EMV software will return the data on the card.

If everything is okay, you may now use the ATM or a POS to cashout. A POS is recommended though.

Specialized services in cloned credit card carding

Since understood the most critical parts of dumps carding, based payment system, there are some other important aspects of this carding ecosystem that involves specialized services for carders.

These specialized services reduce the overall burden of running the entire carding process single-handedly. Individuals and groups providing these specialized services usually work as partners with carders and form a close-circled group to run the entire business model. The profit is shared between them based on the role everyone plays. The three most important specialized services are:

  1. Runners
  2. Droppers
  3. Shoppers


Runners are the risk bearers who are on a running spree for making fraudulent transactions from counterfeit cards obtained from carders. Usually card owners have messaging/email services activated where-in the bank sends a notification message or email for any transaction made on their cards. This might alert the card owner that a fraud transaction has been made and he can request the bank to block his credit or debit card.

This is where “Runners” specialized service comes into account. Runner is usually an individual or group whose sole purpose is to make as many fraud transactions as possible in a limited amount of time. Their prime target is doing ATM withdrawals as it provides hard cash for immediate use. Runners often generate multiple fake debit cards for same detail in order to make multiple withdrawals from different locations at the same time. Card details stolen from ATM skimming are the main focus of Runners, as its information is fresh and live as well as it can provide hard cash from withdrawals.

There is another service that a Runner can provide, that involves lesser amount of risk. That service is having Fake accounts on Payment service providers like Paypal, Western Union, Ucash etc. The Runners are capable of creating multiple fake accounts with these payment services, and the buyer uses these accounts to transfer funds directly into these fake accounts. Paypal and Western Union are the most commonly used services for such frauds. Once the payment reaches the fake accounts, the Runner starts withdrawing funds or can safely transfer it to Buyers account by following the shield of multiple transfers.

Runners also hold fake bank accounts in different countries and use them to withdraw cash sent using stolen cards.

Runners are the risk bearers; hence their profit margin is also high. They usually charge the carder between 40 to 60 percent of the money stolen in a single run.


Dropper is another interesting specialized service popular in credit card fraud business. Let us say the carder wants to do some online shopping form the dumps he purchased and he wants to buy some expensive luxury stuff. He has the card details for payment, but he also needs a shipping address that can’t be traced back to him. Droppers came out to be the business solution for this problem. The Dropper works in various ways. Once of the easiest ways is to rent an apartment for a month or couple of weeks. Dropper provides fake details in the tenancy agreements using his fake IDs so that his tracks are clear. The Dropper now has an address where the carder can ship his item.

The Dropper may consult with multiple carders and provide them the address details so that he can make maximum return out of his effort. Droppers may also span across different countries to facilitate overseas shopping for the carder. Once the Dropper has received all the items sent by the carder, he can then move out of his rented apartment before the fraud delivery could be tracked back to him. There are some Droppers who also rent out PO Box numbers using their Fake or expired IDs in order to receive the goods in their registered PO Box. Since the Dropper bares a fair amount of risk, his profit percent varies between 30 to 50 percent. In certain situations the Dropper might request for a product order of his choice in return for the ordered good for the carder.


Shopper specializes in shopping with the counterfeit cards provide by the carder. The Shopper can be an individual or a group that specializes in conducting nervousness-free shopping of goods using the fake cards. This is an important aspect because shaky hands or sweaty face might raise suspicion while shopping with fake cards. The shoppers also have Fail-safe techniques to doge the payment supervisor in case the card fails to authenticate. Shoppers is the most in-demand service of this fraud ecosystem as it involves lesser risk compared to other services and the carder can pay a small profit cut in the range of 10 to 20 percent in return for the shopped goods.

The profit margin for Shoppers depends on the type of good the carder wants them to purchase. Expensive luxury items would require a larger profit share to be paid to the shopper.

The point to note here is the organized way in which this entire fraud ecosystem has been built up. The high profit margin and scope of evasions has attracted almost all the major cyber criminals into this ecosystem.

This kind of balanced and optimized model is not set up overnight. It involves a series of progression and development. Whatever we just now learnt is not new. This payment fraud ecosystem has existed for years under our nose and it still continues to foster. In the closing few pages, I would like to discuss about the Economics involved in this fraud ecosystem, its challenges and possible solutions in order to remediate these threats.

Dumps carding Conclusion

Cashing out dumps and with ATM or instore carding applies Worldwide, I’m sure every carder have their own methods and approaches, so we will not state that we are smarter than anyone else. The fastest and most productive way. Not everyone can use this method, but for the general picture we have decided to share it. remember NEVER WRITE ON THE CARD!!!! Lately COPS are instructed on different signs to pay attention to in case of credit card detection. Use labels or mark the cards and keep the PINS separately.