Cybercriminals dedicated to the practice of carding have proven their resiliency over the years, developing new techniques to successfully circumvent the continuously evolving anti-fraud measures deployed by the financial and retail industries, and adapting many of the old techniques they employ. With the introduction of EMV card technology in 2015, the United States witnessed a decrease in fraud rates for card-present transactions. Nevertheless, the business of online carding has remained as relevant as ever. Credit card checking tools have remained a key element in sustaining high success rates of online carding.
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