How To Shop Online With Debit/Credit Card And Bypass OTP

On this article we have explained how to shop online with debit/credit card and bypass OTP, if you have ever experienced unauthorized debit from your bank account and when you complained to your bank you will be told your account was used to made online purchase by you or who you authorized, knowing well that you did not authorize anyone to use your debit/credit card will infuriate you more.

Don’t worry, the reason this happened is why we have made this well detailed article to put you through how these scammers do this.

Before we dive into further details let us take a swipe at crucial things scammers/hackers to be able to access your bank account without your authorization;

• Credit card number
• CVV
• Expiry date
• Card holder name (optional)

Scammers just need the above informations to be able to access your account, they don’t need to be close to you, have your credit/debit card in thier possession or even know you in person. Your credit/debit card information can be obtained in many ways such as;

• Phishing
• Skimming
• Cloning
• Email fraud
• Automated teller machine (ATM) manipulation

through any of the above any scammer or hacker can obtain your card informations and if they have access to your credit/card information you’re finished, have any scammer recent accessed your card information and already has begun using it to buy goods online which is why you are here to learn? Don’t panic,

What Can I Do If My Credit/Debit Card Is Exposed To Scammer?

You should have in mind that you have only few options left, when your credit/debit information is exposed to scammers, you can do any of the following to secure your finance and you must be quick to do so without wasting any seconds because the more time you waste the more closer the cyber criminal gets to your funds.

• Block your credit/debit
• Call your bank to restrict your account (might take some time depending on the bank, customer support response time may vary depending on when (if working hour) or which bank.
• Transfer all the money in the account away to a safer bank account (either your own bank account or your family member, this account can be your parent’s bank account or your partner’s bank account)

Our Recommendation

we recommend you quickly transfer all the money in the account to another of your account or your partner’s account because calling your bank may delay you and to block your bank credit/debit card or temporarily restrict your account may require more time or may not be possible as at the time of the crime because you may not know the USSD code to block your bank card

Now the above as explained is how to stay safe and quickly secure the gates of your finance in event of such ugly occurrence rearing it’s face to ruin your day. Now back to how scammers shop online with credit/debit card without OTP verification, on this topic “how to shop online with debit/credit card and bypass OTP” we are explaining this for educational purposes and hopefully you put others close to you through so they can learn and be prepared for the worse.

Most of these scammers can’t do much of harm without softwares while those that can write code still need access to API’s

What Is Application Programming Interface (API)?

API stands for Application Programming Interface. In the context of APIs, the word Application refers to any software with a distinct function. Interface can be thought of as a contract of service between two applications.

without API most of these scammers can’t do much, you need API to have access to most of computers and systems but with software that is already programmed to do those tasks you can do so much more,

Softwares Hackers/Scammers Use To Shop Online With Credit/Debit Card Bypassing OTP Verification

Most of these scammers use different softwares for different purposes, for example; if a scammer wants to carry out unauthentic illegitimate bank payment (commonly bank transfer fraud), mostly referred to as flash funds, they will use a flash funds software, learn more on 25 ways to flash funds into bank account available balance here.

Some hackers and scammers that wants to carry out credit/debit card fraud (commonly carding), mostly referred to as loading or card pulling or card logs, they will use a carding software. The following are the some of the softwares these hackers and scammers use;

1. Offrakle: offrakle is a multipurpose software that is used for wide variety of illegalities, it can be used for flash funds, carding (bypass OTP), shop online without OTP verification, MT103 and more.
2. Flash Funds: flash funds in the other hand is a flash funding software which can be used to flash crypto or fiat cash into available balance of either bank account or cryptocurrency wallet. Flash funds software can come in different ways, there is also a fake bank alert software which is different from flash funds software and can be misunderstood to be flash funds software,

What Is Difference Between Flash Funds And Fake Bank Alert?

Fake bank alert means a fake bank account credit alert (notification), which means it won’t be updated to bank available balance, it can be done or carried out by any SMS platform, you can use name of the bank to do so but flash funds means the funds will be flashed using MT103 (a bank standardized network of payment) but the problem will arise when bank will want to verify source of payment and it’s authenticity, bank will fail to verify this and will reject the transaction thereby flagging it and restricting the beneficiary account (in event it’s done twice or the bank has strict policing).

When bank fails to verify payment the payment will be a failed transaction and will be tagged failed in it’s status, in this case the account may be subject to restriction or account holder to be called in for questioning and before this problem will arise the scammer has already left. The moment your account is flashed you will see the alert and it will be updated to your bank account balance which in this situation if you are the one being paid you will release the goods (either digital currency such as bitcoin and other cryptocurrencies or anything else.