Chargeback Kits – Complete Refund and Dispute Exploit Packages (With VCCs or Drop Addresses)

Description

What Are Chargeback Kits?

Chargeback Kits are pre-assembled tools designed to initiate payment disputes after goods or services have been delivered. They combine Virtual Credit Cards (VCCs), drop addresses, and sometimes stolen card data to execute refund fraud schemes with minimal detection risk.

A standard chargeback kit typically includes:

• Funded Virtual Credit Card (VCC) or stolen card details

• Matching Billing Information (for AVS pass)

• Drop Address / Mule Address for physical delivery

• Refund Script / Dispute Playbook

• Optional Fullz or Email Access (for higher trust score)

These kits are specifically curated for chargeback fraud simulations, merchant vulnerability testing, and refund policy stress-testing.

Why Are Chargeback Kits So Effective?

Unlike direct payment fraud, chargeback operations use legitimate transaction flows—making them harder for merchants to contest.

✅ Payment appears legitimate at checkout
✅ Goods are delivered to drop or mule address
✅ Chargeback filed via card issuer claiming non-delivery or unauthorized use
✅ Funds reversed from merchant account after delivery
✅ Merchant suffers both product loss and penalty fees

For fraud analysts and red team testers, these kits are an ideal training resource for identifying and mitigating refund exploitation methods.

Real-World Use Cases (Fraud Operator Notes)

1. Physical Goods Refund Scam

• Order high-value goods to a drop address.

• File a chargeback claiming “item not received.”

• Profit: Resell physical goods while issuer refunds the payment.

2. Digital Product Reversal

• Purchase digital subscriptions or services.

• Use screenshots or spoofed correspondence to prove “non-delivery.”

• Profit: Access digital goods free, then resell accounts or services.

3. Merchant Category Targeting

• Focus on merchants with poor dispute response rates (e.g., small Shopify stores).

• Disputes have a higher chance of auto-approval.

4. BIN/Region Exploits

• Use cards from issuers with customer-friendly dispute policies.

• Faster and more consistent refunds.

5. VCC-Only Campaigns

• Use funded VCCs tied to synthetic identities.

• Avoids personal exposure while maintaining control over dispute flow.

Product Quality & Features

Our kits are pre-verified to ensure smooth execution in research scenarios.

Each kit is tested for:
✅ Live, funded VCC or valid stolen card data
✅ Address match for AVS pass
✅ Drop address health check (active, no known flags)
✅ Tested refund/dispute scripts with high success rates

Formats: .TXT + documentation or encrypted database.
Includes: Payment method, drop address details, dispute templates, merchant targeting guide.

Geolocation Options

• United States

• Canada

• United Kingdom

• European Union

• Australia

• Asia-Pacific & LATAM (custom)

OPSEC Tips for Buyers

• Always access accounts via clean, location-matching proxies

• Never reuse the same drop address across multiple disputes

• Encrypt all sensitive kit data at rest

• Use burner emails and phone numbers for dispute communication

• Test refund methods on low-value goods first before scaling

⚠️ Legal Disclaimer

This product is intended solely for fraud prevention training, merchant vulnerability research, and dispute resolution testing.
Unauthorized use for theft, deception, or financial gain is illegal.
We do not condone or promote criminal activity.

Suggested Pairing Products

• Fullz Pack (for identity-matched transactions)

• Drop Address Database (fresh, vetted drops)

• VCC Generator / Seller Access

• Refund Policy Exploit Report

• Merchant Response Time Analysis Tool