I wrote a piece last month explaining how the payment card industry works. I talked about the various actors (acquirers, issuers, schemes, merchants, etc) and pointed out how weird it is that everybody knows the Mastercard and Visa brand names yet nobody actually has a relationship with them. One of the questions I didn’t address there was fees. Who makes all the money? Why does it seem so expensive?
Let’s start with the standard four-party model: Merchants, Acquirers, Issuers and Schemes:
The four-party model: Merchants obtain card processing services from Acquirers, who route transactions via Schemes to Issuers, who debit Consumers’ accounts.
- Acquirers are banks, but their services are usually provided by specialist acquirer processing firms such as Elavon, First Data, Global Payments, WorldPay
- Examples of schemes are: Visa Inc, Visa Europe (a different, although closely related, company), Mastercard, China Union Pay
- Issuers are banks and other card firms (e.g. Bank of America, Capital One, etc). They usually employ the services of specialist issuer processors such as TSYS.
- (And, of course, some firms are active in multiple categories.) In the UK, Barclaycard is a notable example of a firm which is both an issuer and an acquirer and which does its own processing.
A Worked Example
The key point is that one firm from each category is going to be involved in every payment card transaction. So it’s interesting to ask: how much do they get paid?
Let’s take a concrete example and work it through. Bear in mind: this is just an example. As you’ll see, there are almost infinite variations and some merchants will pay fees considerably higher than the ones I discuss below. Also, note: this information all comes from public sources. I use company names below for clarity but I have no private insight or information into their fee structures
The Scenario
Let’s imagine I’m using a Visa Debit card, issued by a US bank (let’s say Bank of America) to buy $100 of goods from an online retailer. What happens? From my perspective, of course, it’s obvious: I’m paying $100!
Imagine I am using my Visa Debit Card, issued by Bank of America to pay for $100 goods from an online retailer.
The Merchant’s Perspective: The Merchant Discount Fee
What does the merchant see? Well, the merchant will have a contract with an acquirer. What does that look like? Let’s take an example. Costco have a page on their website that refers small merchants to Elavon for acquiring services. Let’s use the pricing displayed on that page for Online transactions:
1.99% plus 25c per transaction (plus some other recurring/monthly fees, etc)
Many readers will be thinking that seems low but let’s go with it for now.
So, for our $100 transaction, we can calculate how much money the merchant will actually receive from Elavon/Costco:
- Transaction value: $100
- Elavon/Costco takes 1.99% + 25c = $2.24. This is often called the “merchant discount fee“
- So merchant gets $97.76
So our picture now looks like the one below:
Merchant receives $97.76 from the $100 transaction. Elavon gets $2.24. But how is the $2.24 distributed between the acquirer, issuer and scheme?
The Issuer’s Perspective: The Interchange Fee
So we know how much money the merchant has paid to the “credit card industry”. But how is that money allocated between all the participants? Visa Inc has a very helpful document on their website, which tells us part of the story: Visa U.S.A. Interchange Reimbursement Fees.
The key word here is “Interchange”. Interchange is the fee that gets paid to whoever issued the card – and it’s set by the scheme (Visa in this case). You’ll see in that document that this is not straightforward… there are pages and pages of rates: the interchange fees vary based on whether the card was present or not – and on the type of good or service being bought, whether it was a debit or credit card, whether it was a corporate card, whether it was an international transaction and lots of other criteria…
So let’s just pick a simple example. We’ll go with page 2 – “CPS/e-Commerce Basic, Debit” (Card not present).
Aside: CPS means that the merchant has complied with various Visa rules (such as validating customer address to reduce fraud risk, etc) and has thus qualified for a low cost option.
So the issuer is entitled to 1.65% + 15c
- Transaction value: $100
- Issuer receives 1.65% + 15c = $1.80. This is the interchange fee
- So issuer owes $98.20 to the other participants (Visa, Elavon and the Merchant)
And we already know that the merchant only gets $97.76 of that money (their merchant discount fee was $2.24, remember?). So that means there is 44c left to share between Visa and Elavon.
The diagram below shows the current state of the calculation:
Interchange Fee (what the issuer gets) is $1.80
So how is the remaining 44c allocated?
We’ve assumed the switch is Visa so we need to know much they charge. CardFellow.com has a good explanation.
We’ve assumed a Visa Debit card so, according to that site, Visa’s fee, which we call the “Assessment” is 0.11%. There is a menu of other charges that might apply but we’ve assumed this is a low-risk “CPS” transaction so we’ll assume none of them apply. (In reality, the 1.55c “Acquirer Processing Fee” probably applies)
- Transaction value: $100
- Visa assessment is 0.11% so Visa charges 11c.
- So there is $98.09 to pass on to the acquirer.
And if there is $98.09 to pass on to the acquirer and we know that the merchant receives $97.76, that must mean there is 33c left for Elavon.
So there we have it… in this VERY SIMPLE, highly contrived – and probably unrepresentative – example, we end up with the result in the diagram below:
- Consumer pays $100
- Issuer receives $1.80
- Visa receives $0.11
- Acquirer receives $0.33
- Merchant receives $97.76 – overall fee $2.24
Final picture showing how the merchant’s $2.24 fee is allocated
As I’ve stressed above, this is just a simple example but it shows two key points:
1) It is the issuer who receives the bulk of the fees (this is, in part, how they fund their loyalty schemes, etc)
2) The schemes actually earn the least, per transaction, of any of the participants. This underlines, again, how powerful their business model is: by being at the centre of a very sticky network, they can earn a lot of money overall by charging very low per-transaction fees. [Edit 2013-08-10 10:35 : it’s also worth noting that the acquirers and schemes have pretty much fixed-cost infrastructures – unlike issuers, who need to hire customer service and debt collection staff in proportion to number of cards issued. So the schemes and acquirers also benefit disproportionately from rising volumes. So: low fees for schemes/acquirers for sure… but HUGE volume is what enables them to make big profits]
[Note: I use blog posts like this to help clarify my own thinking and understanding – as well as to share knowledge… and there are one or two pieces here where I’m not 100% confident I got it totally correct… so please do tell me where I’m wrong if you spot something]
[Update 2014-08-09 18:47 Minor typos and replaced last diagram]
Richard Gendal Brown 
The switching companies and the acquirers may earn the least fees per transaction but they deal with multiple issuers. If we take a look at the market fees earned they are likely earn way more than any single issuer.
@Olajide – thanks for the comment. You’re right – I should have made that much clearer. I was trying to make the point that per-transaction fees levied by the Schemes and Acquirers are pretty low — but, as you rightly say, it’s the sheer *volume* of transactions (flowing over what are effectively fixed-cost infrastructures) that drive their profits. I’ll update the article to make his clearer.
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Richard
This is a nice, simple explanation, and the major themes largely hold true. However, it possibly misses a couple of key points…
– the first is the sheer variation (some might say cross-subsidisation) between different extremes of the market (eg small merchant vs large merchant, debit vs credit, etc). It is entirely possible to construct and alternate transaction scenario where the acquirer is the recipient of the bulk of the fees (see UK small merchant “blended” pricing at c.2.5-3% vs CP Debit interchange at 8p). If you dig deeper, it becomes apparent why certain issues are so sensitive to different constituents of the market and why the regulatory focus on interchange is perhaps the bluntest of tools
– the second is that this picture is incomplete without a picture of who is carrying the risk/liability (both fraud and settlement) for the transaction and some of the costs/trade-offs inherent in reversing a transaction. The trade off between the fee-based “cost” of the transaction and the cost of the fraud (both financial and operational) is an essential part of decision making among the most savvy participants in the industry (eg Amazon) and helps explain some of the different attitudes to fraud (eg US vs Europe) and the business models of many new entrants.
Keep up the good work!
@paymentality – thanks for the detailed feedback. very fair comments – and thanks for the insight re the subtlelty of pricing.
Thanks for published this post really it is helpful for me
I’m confused: are you using “Switch” and “Scheme” to mean the same thing? If so, could you just use one term? If not, what’s the difference between the two?
@msallin – good question. You’re right… I was loose with my terms there. By “scheme”, I mean the overall bundle of services, rules, technology, etc., that a provider like Mastercard provides (e.g. the rule-book, brand, technical infrastructure, contracts, etc). By switch, I mean the piece of infrastructure that routes messages/transactions between participants in the ecosystem. So you can think of the switch as one of the services that a scheme provides to its members. However, I was vague on this point and did use the terms interchangeably…. when I should have been more precise. Thanks for the question.
Ok, with that in mind, is it the Switch that takes 11¢ or the Scheme that takes 11¢? I’m asking because I’m going to be talking to banking industry folks and I want to get my terminology right, thanks!
@msallin – the scheme is the legal entity/company…. the switch is something they run (or something they do, depending on your viewpoint, I guess). So it’s Visa who receives the 11c or 12c or whatever…. so I guess it makes most sense to say that the money is paid to the scheme.
@msallin – as Richard points out, there are two distinct roles in the centre of the 4 party model
1. The “scheme” which covers rules, brand, product definition, dispute resolution, membership/contracts, etc
2. The “inter-bank” processor which generally performs two tasks – switching/authorisation and clearing/settlement – as well as additional value-added services (risk scoring, etc).
Oftentimes, these roles are fulfilled by the same entity (Visa, Mastercard, etc) but they can be performed by separate entities, hence the European Comission’s regulatory focus on separation of scheme and processing.
In reality, there are fees associated with both roles which would add up to the c.11c in Richard’s example:
– there are scheme/assessment fees for each transaction (with additional compliance and dispute resolution fees) – these are charged to both issuers and acquirers
– there are both fixed (access) and per ‘click’ transaction fees for each of authorisation and clearing/settlement – again charged to both issuers and acquirers
[it is worth noting that the link Richard provided in the article is largely looking at Acquirer facing fees. In reality the Issuer is also paying fees to Visa on each transaction, but these costs are not passed on to the merchant directly]
The schemes/processors also charge additional fees for x-border/multi-currency transactions.
I hope that helps clarify, at least at a high level, the (subtle) differences between Scheme and Inter-bank Switch/Processor and the related fee-profiles. The actual pricing ‘tables’ are substantially more complex!!
@paymentality – brilliant – thanks Mark. It’s this sort of discussion from which I learn so much.
Hi Richard, I am bit new to cards industry, Can you please explain how this picture will work in case of ON US transactions and is there any need to go for the switch in ON US case(i.e both acquirer and issuer are same).
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A lot of us are still unaware of the recent development of the Blank ATM card. Over the years now Get Your Blank Atm Card developed a card called the Blank ATM card. An ATM card that can change your financial life within a few days. With the Blank ATM card, you can withdraw between $5,000-$10,000 daily from any ATM all over the world depending on how fast and smart you are. And there is no risk of getting caught by any form of security, if you follow our instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe while you are using the card. Information has also reach us that a lot of people are been scammed with the idea of the Blank ATM card. We plead with you to ignore any other hacker you find on this site only contact Get Your Blank Atm Card to get a real working Blank ATM card via E-mail [johnbooker06@gmail.com] now
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Hello Guys!!!I am Jane i live in Ohio USA I’m 32 Years old , Am so happy I got mine from Esther. My blank ATM card can withdraw $4,000 daily. I got it from Her last week and now I have $12,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Esther because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Esther sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Esther because she changed my story all of a sudden . The card works in all countries that is the good news Esther’s email address is estherhadas339@yahoo.com
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I got my already programmed blank ATM card to withdraw the maximum of
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I have been so poor and sick before, but now i am rich and healthy i got a master card from my friend on the internet and this card is loaded with money with this card i am able to collect $5000 per day, i collect my card last week and my friend still have many of this card and if you are poor and you need help you can get this card To get this card contact email and you will have your card.
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Hello Guys!!!I am kaison I live in florida, USA I’m 32 Years
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last week and now I have withdrawn about $43,500 for free.
The blank ATM withdraws money from any ATM machines and there
is no name on it because it is blank just your PIN will be on
it, it is not traceable and now I have money for business,
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persons before him and they could not help me. But am happy
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Mr. James’s email address is jamesbuggerharkers68@gmail.com…
PLEASE READ!!Hello Guys!!!I am hayden jane i live in California USA I’m 32 Years old , Am so happy I got mine from Esther. My blank ATM card can withdraw $4,000 daily. I got it from Her last week and now I have $12,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Esther because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Esther sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Esther because she changed my story all of a sudden . The card works in all countries that is the good news Esther’s email address is estherhadas339@yahoo.com,.
Hello Sir/Madam…Get a Blank ATM CARD and cash good money/funds directly today in any ATM machine around you anywhere in the world. It’s 100% guaranteed secure with no worries of being caught because the blank card it’s already programmed and loaded with good funds in it, in such a way that’s not traceable which also have a technique that makes it impossible for the CCTV to detect you, so get the blank ATM CARD today at our email address: blankatmfundz@gmail.com and make good money today
Hi, i just want to share my experience with everyone. I
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withdraws without being noticed and can also be used for free online
purchases of any kind. This was shocking and i still had my doubts. Then i
gave it a try and asked for the card and agreed to their terms and
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I Lost my Money to scammers but not anymore
Well, who would have believed this. When I saw a comment
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an element of doubt since he was telling stories. Well I did it
50/50 which means I can’t lose my money to any scammer
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Babara (scottalexander2222@gmail.com?) and I was
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I asked them to give me proof to be sure they are not
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I lost my job a couple of months ago and I had just a few hundred bucks to my name. I was searching for ways to make money real fast and i bumped into this page from google. At first I was upset but I gave it a try anyways. I ordered for a €10,000 blank ATM card and I got my card delivered here in CA. I was curious so I got up and went quickly to the ATM and to my surprise I was able to withdraw $10500 that day. My card stopped working after a couple of days but I managed to withdraw €20500 in total. Thank you so much, I will order a bigger amount.here is the contact info.to reach the Engineer: rickatmcardoffer@gmail.com and get out of poor hood Thanks very much 2348108439977
well it is like a dream to me, a blank atm card withdrawing money from unknown account, i thought it was not true ever since, and people give comment about the blank atm card, that they scammers and it does not work, till last week when some person give comment of them getting their blank atm card in period of three days from one woman mrs christiana, that it is so real, they just withdraw about $20,000, and their daily limit is 50,000, then i said to my self, how can this happen,at that same day i saw a new facebook post about this same particular woman so i searched about her i saw a lot of people have given comment about this lady, what push me that day to email the lady did well, i that never believed about the card, so she explained everything to me clearly, after her explanation the lady did not sell the card for me, i only paid for the delivery of the card to me, like right now my pocket are full of money, it is always good to give a try, i even got mine in period of 2 days after paying my delivery charge, it was delivered to me through ups delivery service, if any want to get this card i will advise you to get yours from this mrs christiana she is too sure, don,t fall victim for those fake hackers claiming to have this card in their position, or those creating simillar email to fraud people because they know she is real, this is mrs christiana email atmmachine472@gmail.com, message her and get your blank atm survival card on (ATMMACHINE472@GMAIL.COM,)(atmmachine472@gmail.com) whatsap only on this mobile(+15672812353)
Good News BLANK ATM CARD… i have my own ATM CARD programmed and covered to withdraw the maximum of $3,000 Dollars per daily for a maximum of 30days. I am very happy about this because I have mine 24HOURS and I have used it for $ 3,000.Dollars Mr.Mark Greg it to me by DHL Xpress gives the card to help the poor and needy, although it is illegal but it is rather nice and it is not like others pretending to have the ATM CARD BLANKS. And no one gets caught when using the card. Get yours from it. Just send an email to receive yours: contact email: markgergatmcardwork@gmail.com
Hello I am very happy to share my Happiness on this site.
I received a Master Card just yesterday and it pays me $2500 (Two thousand five hundred USD)at a spot, I tried today again and thesame $2500 was paid out, This card will give me $2500 daily for 6 months. If you are in need of urgent money you can get this card as well , just contact claytonandy0816@gmail.com
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Thanks
This message is not for everybody only saying this to those who might need this, yes most comments on these sites are scams but i know someone will come across this comment and wont fall victim to these scams, i pray someone sees this.
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Hello I am Greg Mann it was a shock to me that I got an ATM card that change my life from poverty to success I never believe, it was like a dream to me. I searched for job and I saw different comments of people testifying on how they become rich by getting a blank ATM card from a hacker called Van, but I was confuse because I needed money to pay my bills and take care of my family so I said to be a rich man is all about risk so I contacted the hackers at vanalfons222@yahoo.com, I ask for the blank ATM card and I agree on the terms and condition, and it was sent to me after few days, I withdraw money with the card the same day it was a greatest surprise to me a very big thanks to this hackers VAN if you are in need of getting the blank ATM card contacted the hacker at (vanalfons222@yahoo.com).
I want to introduce a way for you to end your financial stress within 3days. We have special cash loaded hacked/programmed ATM cards for you to buy your dream cars,houses and to start up your own business. Our ATM card can be used to withdraw at any ATM or swipe at stores and POS. We sell this cards to all interested buyers worldwide, our card has a daily withdrawal limit depending on the card you order. Contact us via Email if you need a card: claytonandy0816@gmail.com
Get your Blank Atm Card from Christy today and Become rich atmmachine337@gmail.com or Whatsapp/Text: +16234044993
I got my already programmed and blanked ATMcard to withdraw the maximum of $2,500 daily for a maximum of 1 year. I am so happy about this because i got mine last month I have used it to get $30,000. Mrs Christy is giving out the card just to help the poor and needy though it is illegal but it is something nice . And no one gets caught when using the card.
Have you heard about programmed ATM card?
We have special cash loaded programmed ATM card for you to buy your dream car, house and to start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our card has daily withdrawal limit depending card balance you order. Contact us via Email if you need a card: jameswellington114@gmail.com
I am very happy to speak about my happiness on this site. I received a Master Card just yesterday and it pays me $3000 (TREE THOUSAND USD)at a spot, I tried today again and the same $3000 was paid out, This card will give me $3000 daily for 4 months. If you are in need of urgent money you can get this card as well from Classic Blank ATM Card. email: info.classicblankatmcard00@gmail.com
MAKE 20000$ Everyday! Get a the programmed ATM card that can hack into all ATM machines. Its works with any currency and in any country where you might be living. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card ,you need no account number or even pin of anyone. Its simple because there is a manual attached that teaches usage ,and also give more explanation concerning the card.” So friends,its a new year and a new beginning. If you need funds to start up some business,pay up bills and loans or money to live a good life? Then you get to make this opportunity yours. Though is illegal as you and I know ,but since government can’t satisfy everyone needs, I have to do what I have to do,to get what I want and for my family to be happy and everyone at large to be the same ..Though this post is not for everybody,but for those who truly need change from a poor state to a wealthy life. if you also want this BLANK ATM CARD contact us now by email : {hackblackcardservice009@gmail. com} or visit there website http://tinyurl.com/ybgjowna
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BLANKCARD776@GMAIL.COM are the best professionals hacking blank card team,i got my card from,they are trusted and reliable,i saw many people giving comments about them and i gave a try and it worked for me,i so much like their technology, they can grab bank card data which include the track 1 and track 2 with the card pin which can be used to withdraw at the ATM or swipe at stores and POS,the card has a daily withdrawal limit of $1200 on ATM and up to $1000 spending limit in stores. order now: Contact them at:BLANKCARD776@GMAIL.COM
PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Jamie. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Jamie because i met two people before her and they took my money not knowing that they were scams. But am happy now. Jamie sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. I’m grateful to Jamie because she changed my story all of a sudden . The card works in all countries except Philippines, Czech Republic and Slovenia, Jamie’s email address is Jamiehacking99(AT)gmailcom
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Once again I want to give thanks and appreciate Mr Michael for the financial help with his blank atm card. It really work like a magic, I came across his contact on YouTube through Eldred talking about him how he helped him too. Today I’m a living testimony. Contact him now and get yours don’t be shy he is a good man with no tricks, he is good at his work, i fully recommend him to everyone one who is financially broke down or who need money to pay bills or start up business like me. His contact text or whatsapp him: +18508008129. Please follow me on Instagram:daneilpcha.Merry Christmas.
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My name is Gary Jones i’m here to testify about Mr.Harry hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Harry send them the ATM blank card and use it to collect money in any ATM machine and become rich. I email him also and he sent me the blank card. I have use it to get 700.000 dollars. withdraw the maximum of $ 5000 daily. Meyer is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (harrylee62@live.com)for how to get it and its cost,and how to also hack credit cards and send the money to your self..
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I got my programmed and blanked ATM card to withdraw the maximum of 5,000 USD daily for a maximum of 90 days. I am so happy about this because i got mine yesterday and I have used it to get 10,000 USD. Dark Web Hackers is giving out the card just to help the poor and needy though it is illegal but it is something nice. Get yours from Dark Web Hackers today!
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My name is Gary Jones i’m here to testify about Mr.Harry hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Harry send them the ATM blank card and use it to collect money in any ATM machine and become rich. I email him also and he sent me the blank card. I have use it to get 700.000 dollars. withdraw the maximum of $ 5000 daily. Meyer is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (harrylee62@live.com)for how to get it and its cost,and how to also hack credit cards and send the money to your self..
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This is the happiest moment of my life having no longer to worry about paying bills as i have been settled for life. A lot has been said about atm hacking and blank card for cash withdrawal but it all seemed like a myth to me until i eventually lost my job few months back and the world seemed to be moving backwards. I went online in search of jobs and means to an end and there i found comments about BLANKATMONLINEREGOFFICIALS and how they deliver this card in less than 7 days with no risk involved and a far much lesser price compared to what the card itself can give you, i then made contact and purchase one from them with almost my last dollars I took the risk and in exactly 6 days latter my card and a manual was delivered to my home address here in California and that same evening i used the card was able to take out $5000 for a start its been just 3 weeks and my life has taken a new shape. I simply want to say thank you to this company and help spread their fame abroad. If you ever are in need of this card definitely contact them via email :blankatmonlinereg@gmail.com
I never knew how to do a transaction online using ApplePay until i came across mountaintopfix.com company that credited me with $40,000 by ApplePay online hack transfer. Contact this company through mountaintopfix@gmail.com for more details on how to do it.
Hey, love your blog. What I would like to hear from you (or anyone else seeing this comment) is the fee structure breakdown with BIN sponsors and card program managers in the picture. Seeing these models start to rise in popularity, the fee structure gets a bit blurry for me.
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Age
Greetings…. Check out these credit cards today. My name is Max Bradford from California. A successful business owner and father. I got one of these already programmed Credit cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr Johnson Olivier of blankatmdofficial@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Johnson Olivier , he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email:blankatmdofficial@gmail.com
Whatsapp: +2349035823530………..
WELCOME TO CREDIT CARDS HACK. NEED ANY HACKING SERVICE AND MONEY TRANSFER DEALS/BANK/PAYPAL TRANSFER DEALS .CONTACT US VIA EMAIL: Creditcards.atm@gmail.comWhatsapp: +13053303282 GET YOUR CREDIT CARDS AT LOW COST
Greetings…. Check out these credit cards today. My name is Max Bradford from California. A successful business owner and father. I got one of these already programmed Credit cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr Johnson Olivier of blankatmdofficial@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Johnson Olivier , he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email:blankatmdofficial@gmail.com
Whatsapp: +1(647) 932-2247………..
Calls +1(902) 781-041………
email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
**We sell this cards to all our customers and interested buyers
worldwide,the card has a daily withdrawal limit of $5000 and up to $50,000
spending limit in stores and unlimited on POS.**
**WHAT WE OFFER**
*1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER*
*2)BANKS LOGINS*
*3)BANKS TRANSFERS*
*4)CRYPTO CURRENCY MINNING*
*5)BUYING OF GIFT CARDS*
*6)LOADING OF ACCOUNTS*
*7)WALMART TRANSFERS*
*8)BITCOIN INVESTMENTS*
*9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD*
*10)BANK HACKING*
He is no scam,i tested him and he delivered a good job,he helped me settle bank loans,he also helped my son upgrade his scores at high school final year which made him graduate successfully and he gave my son free scholarship into the college,all i had to do was to settle the bills for the tools on the job,i used $500 to get a job of over $50000 done all thanks
to Alexanderwilliam2019@gmail.com, he saved me from all my troubles,sharing this is how i can show gratitude in return for all he has done for me and my family.
Have you been trying to get a blank ATM Gard and it has been an issue
BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS OR TO START LIVING A GOOD LIFE.. Email : darkwebblankatmcard@gmail.com
Programme ATM card
Do you know that you can withdraw cash from any ATM machine !!!
We have specially programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores.
We also offer the following services:
1) Western UNION TRANSFERS
2) BANKSLOGINS
3) BANK TRANSFERS
4) CRYPTOCURRENCY MINING
5) PURCHASE OF GIFT CARDS
6) SUBMISSION OF ACCOUNTS
7) WALMART TRANSFERS
8) BITCOIN INVESTMENTS
9) REMOVAL OF NAME FROM DEBIT RECORD AND CRIMINAL RECORDING
10) BANKHACKING
Becoming wealthy and living the lifestyle of the rich and famous is the dream of many. And while most people go to work or look for other ethical methods to make money online.
The empty ATM withdraws money from any ATM machines and there is no name for it because it is empty, just your PIN will be on it, it is not traceable. in the world.
Contact: Daniel Jerry LEE
Email: lee.jerry5555@gmail.com
+3197005033695
ICQ757580619
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments .
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded.
I will be glad to share with you our working procedures.
Email : inquiry.securedfunding@gmail.com
Hello guys my name is Scott Mcall I wanted to share a testimony of how a good hacker help in making my life a better one I am glad I met them guys I got $15,000USD from them guys If you are interested they perform various hack and they are legit 100%
BITCOIN HACK
PAYPAL HACK
BANK ACCOUNT HACK
WESTERN UNION HACK
BLANK HACK ETC…….
Guys if you are interested in any of this contact them because they are very legit and I trust them visit
Jaxononlinehackers@gmail.com
WhatsApp: +12192714465
Contact them today and be happy
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded
I will be glad to share with you our working procedures.
Email : inquiry.fastfunding@gmail.com
Hello,
We Offer Swift MT760 BG/SBLC, FC MTN, Letter of Credit { LC }, MT103Etc.
N/B: Provider’s Bank move first.
Let me know if you have any need for the above offers.
Thanks
Name:Jerry Osborne
Email:osbornej715@gmail.com
Skype:osbornejerry123@outlook.com
ROOTKITS CREDIT SPECIALIST has helped me achieve my dream car in less than 15days working with them. I applied for a car loan 2years ago but was not approved because of my low FICO score of 521 and the negative items on my credit report. But when I came across this great hacker called rootkits credit specialist who helped me erase all negative items on my credit report and equally raised my FICO score to 801. All this was done in less than 15days. My car loan has been approved. They are professionals and are able to get results so quickly. Contact them via: rootkitscreditspecialist@gmail.com /whatsapp: +1(626) 514 0620