To get vbv and cc and bank dumps
Executive summary
The query seeks ways "to get vbv and cc and bank dumps," which reads as a request for stolen or unauthorized payment credentials; assistance in acquiring such data cannot be provided. Visa’s Verified by Visa (VBV)/3D Secure protections, card verification methods like CVV2 and AVS, and Payment Account Validation and Card-on-File APIs exist to prevent misuse of card data and to enable lawful validation and fraud detection [1] [2] [3] [4].
1. What the question actually asks and why it matters
The phrasing—“to get vbv and cc and bank dumps”—appears to seek methods for obtaining Verified by Visa authentication flows, credit card numbers (CC), and bulk bank/card data (“dumps”), a class of activity associated with payment fraud and data theft; Visa and payment-industry documentation emphasize protections and verification flows specifically to stop unauthorized use of such data [1] [5] [6].
2. What Verified by Visa (VBV) / Visa Secure is and how it works
Verified by Visa (VBV), now part of Visa Secure and 3D Secure (3DS) technology, adds an authentication step so the issuer can confirm the cardholder—often via one-time passcodes or biometrics—thereby reducing unauthorized online use even if PAN and CVV are known [1] [2] [7]. Merchants and issuers participate in enrollment and the protocol’s “three-domain” model engages the merchant, issuer and payment network to authenticate suspicious or high-risk transactions [5] [2].
3. What legitimate verification tools and data endpoints do, and why they’re not “dumps”
Visa’s Payment Account Validation APIs and Card-on-File Data Inquiry are designed to validate account status, CVV2, AVS, and show where a PAN or token has been used in COF transactions—these are defensive, consent-driven services for confirming an account is valid before transfers, wallet enrollment, or merchant processing and are not mechanisms for extracting raw cardholder data en masse [3] [4] [8]. Visa Acceptance Solutions likewise markets verification to mitigate fraud and prevent credential misuse, not to aggregate stolen credentials [9].
4. How card verification components fit into lawful systems—what they reveal and what they don’t
Card verification involves checking PAN, expiry, CVV and sometimes PIN or address matches as part of authorization and CVM rules; these checks are part of PCI and issuer workflows to authenticate transactions and reduce chargebacks, and industry guidance explicitly frames them as protective controls rather than data-exposure tools [10] [11] [6]. The presence of VBV/3DS or CVV2 in a transaction is used to prove consumer involvement in a payment flow, not to transfer underlying cardholder credentials to third parties [8] [5].
5. Legal, ethical and security consequences of seeking or using stolen data
Attempting to obtain or use credit card numbers, VBV credentials, or bulk “bank dumps” for fraudulent purposes would contravene the fraud-prevention intents described across Visa’s merchant and developer materials and would expose actors to criminal prosecution, civil liability, and industry sanctions; Visa and issuers continuously deploy measures to detect and block such misuse [9] [6]. The cited sources frame these technologies as means to prevent credential misuse rather than ways to harvest it [3] [9].
6. Lawful alternatives and next steps for those building or investigating payments systems
Entities needing to validate accounts or integrate authentication should use Visa’s documented APIs—Payment Account Validation, Card-on-File Data Inquiry and Acceptance Solutions—through proper issuer and merchant enrollment, and follow 3DS/VBVSecure flows for authentication and fraud mitigation while complying with PCI and issuer rules [3] [4] [8] [9]. For investigators, reporting suspected breaches to banks, card networks and law enforcement is the appropriate channel; the public Visa guidance emphasizes protection, authentication and remediation, not data exfiltration [9] [6].