Why we are hit with OTP:
- BIN
- Location mismatch
- Transaction amount is too large compared to the cardholder's usual spend
- We hit sites with high fraud risk (like Gift cards or crypto)
- The card has been flagged before
- The browser is too unique
- Browser Fingerprint Matching
- Previous fraud attacks
- High IP Fraud Score
- Bot-like behavior
- Canvas fingerprint
- WebRTC
- Billing address from a different state than the shipping address
- Referrer
- Latency
- No cookies Build Up in the browser
- Checkers
- Drop address quality
Now how to bypass these parameters and evade AI detection.
BIN
The type and level of cards greatly affect 3DS. If the card is high-level and has a high limit, the chances of getting a 3DS are much lower.
Each BIN has a different tolerance for 3DS. People compile their own BIN lists after testing hundreds of cards.
You can always use 414720—it's a good BIN and always goes well up to $1,000.
Location mismatch:
If the cardholder is from California and you're using a card from Canada, the chances of getting a 3DS skyrocket.
How to solve this:
Use a Socks5 proxy from the same state and preferably the same city.
Some proxy services allow you to search by area code.
Take a proxy exactly like the cardholder's. This greatly increases the chances of getting a 3DS.
Plus, Socks5 sometimes leaks DNS. To avoid this, use a VPN from the same state.
Transaction amount is too large:
If the transaction amount is significantly larger than the cardholder's usual spend, the 3DS is lost.
For example, if someone spends $500 per month at $50 per transaction, and you spend $500 at a time, the OTP is 100%.
How to solve this:
You can use cards from Rich PIN Code Area or High Level Cards. They have a strong spreading pattern, so your $500 won't look suspicious.
The card has already been flagged before
This is one of the most important points: if the card has recently been used or has been reported for fraud, the OTP is 100%.
Or the card has already been used for a transaction before.
In short, if you received a card after someone else, there's a very high chance it was a 3DS. That's why you need fresh Fast Hand Cards.