Carding frauds in India

No other country in the world is as secure as India because Reserve Bank Of India has launched certain guidelines for online transactions . The most important of all those guidelines is the indulging of One Time Password on every transaction. So it reduces the maximum carding frauds.

What is Carding? 

Carding is defined as an illegal way of transacting online in which u re paying for ur expenses on behalf of somebody’s credit card. 

How to do carding easily ?

See the first thing to do carding is to get a very fast internet connection but as far as in the previous year jio’s net has been extremely well and you can use it for carding. The next thing is the list of sites to card on and for that my friend in your first attempt always choose sites with  Shopify and ccavenue payment gateway to card on as they don’t use Verified by Visa Or Amex easy click services. So these websites can easily be carded . The next thing is from where do u get valid credit cards with proper information. For this thing you need to have a high knowledge of credit card dumps on websites and carding forums like

http://www.altenen.com

cardingforums.net

I am sure you will get some valid credit cards on these sites free of cost . Or rather you can purchase a valid credit card from many sites using bitcoin(crypto currency) .

And don’t forget to use tor browser for doing carding as it is the safest browsing method in which u re incognito and ur IP address changes after every ten minutes  . So no FBI or NSA or any other spy agncy will track u down and don’t forget to use fake details everywhere.
In India carding is an illegal offence and the most severe punishment is a fine of maximum 10 lakh rupees and jail upto 3 years . But my friend India’s law enforcement bodies are so lazy that they don’t even know what is carding so how’d they arrest you.

Everything about Rupay cards in India.

The most revolutionary step made by the former Indian government is the introduction of Rupay cards. The Rupay cards are issued by the N.P.CI. (National Payments Corporation Of India) and the banks give these cards to their customers.

Launching

The RUPAY card was launched in India on 26 March 2012 and it was dedicated to the country by our president  Mr.Pranab Mukherjee on 8 May 2014.

Acceptance

The N.P.C.I has partnered with the Discover Financial Services , Diners Club International and Pulse network for the acceptance of Rupay global cards all over the world. Any individual can pay globally through Rupay card where these three payments service are accepted.

Rupay cards can be used all over India on all the ATMs under The National Financial Switch which links all the banks for the withdrawal of money from ATM. Rupay cards can be used on all the POS terminal in India.Rupay cards can be used for shopping on more than 10000 ecommerce websites .

Rupay has certified 29 major banks in India to accept Rupay cards at their POS terminal

Emv chip cards

NPCI has rolled out its chip card for high security transactions using EMV (Europay, MasterCard and Visa) chip technology, which is a global standard for debit and credit cards. RuPay chip cards have an embedded microprocessor circuit containing information about the card holder and because transactions are PIN-based rather than signature-based.
There was a drastic increase in the no. of Rupay cards because of the PMJDY (Pradhan Mantri Jan Dhan Yojna ) as in this scheme bank account was to opened in each house and the cards which were issued were Rupay cards which facilitated the increase in the fair play amount of cards.

Online Transaction

For online transaction there is no 3d secure protection as being offered by Visa and MasterCard but rather than a 3d secure password Rupay card offers a simple OTP (one time password) for the payment. This process is less time taking and more secured also. All the network of Online transactions is being maintained by N.P.C.I .

Annual maintenance fees

The annual maintenance fees for a normal Debit card is 100 rupees + service tax which approximately equals to 118 rupees but in a normal Rupay card the annual maintenance fees is less than the Visa and MasterCard because it offers Indian network for transaction and so the maintenance fees comes approximately about 100 rupees including service tax.

The N.P.C.I is going to launch Rupay EMV credit cards in the few years which will reduce the maintenance cost of credit cards which comes to be 5000 plus for a normal credit card but when Rupay credit card is launched then the maintenance cost would be cheaper than it’s counterparts like American Express,Visa and MasterCard.