FAQ: Private & fresh PayPal checkout method (2025)

[spalr]

PayPal is fucking everywhere. Every major retailer every dinky little https://shopify.com store they're all waving that blue and yellow buttons in your face. But most carders treat https://paypal.com checkouts like kryptonite and for good reason. Those clever bastards at PayPal have been beefing up their anti-fraud systems year after year making it a goddamn nightmare to get through their checkouts.
But here's where it gets interesting - Ive been sitting on a method that's been consistently hitting PayPal checkouts for the past two years. This is a fundamental design flaw in their system that they cant just patch away with a quick update. And today I'm going to break it down for you step by bloody step.
Disclaimer: The information provided in this writeup and all my writeups and guides are intended for educational purposes only. It is a study of how fraud operates and is not intended to promote, endorse, or facilitate any illegal activities. I cannot be held liable for any actions taken based on this material or any material posted by my account. Please use this information responsibly and do not engage in any criminal activities.
PayPal Checkout Flow

Before we dive into the exploit lets break down how PayPals checkout flow actually works. There are two main paths a transaction can take:
PayPal Express Checkout (Immediate Payment)

• Customer hits 'Pay with PayPal' button


• Gets redirected to PayPal for payment


• Payment processes immediately on PayPals end


• Customer returns to store with completed transaction


• No additional confirmation needed


• Common on basic ecommerce sites

PayPal Standard Checkout (Two-Step Process)

• Customer hits 'Pay with PayPal' button


• Gets redirected to PayPal to authorize (but not process) payment


• Returns to merchant site with PayPal token


• Can still modify shipping/billing details


• Must hit final 'Pay Now' button to complete


• Used by larger retailers for flexibility

This second flow - the Standard Checkout - is where our vulnerability lies. That gap between authorization and final processing? That's our golden ticket. The two-step process creates a window of opportunity that PayPals fraud detection cant easily close without breaking legitimate functionality.
PayPals Fraud Detection
PayPals fraud detection is a multi-layered beast that's been fine-tuned over decades of fighting fraudsters. At its core its built around one critical insight - shipping addresses don't lie. While most payment processors obsess over browser fingerprints and IP PayPal knows that physical orders leave a paper trail you cant fake. They've built an extensive database of trusted delivery locations tied to every PayPal account and card that's ever touched their system.

Think about it - that $5 shit card you're trying to use? Chances are its legitimate owner has ordered something through PayPal at some point in their life. PayPal already knows their home address their work address their moms house where they ship Christmas presents. Every successful transaction leaves a footprint in PayPals massive web of trusted locations. When you try to ship that 65-inch TV to some random address they've never seen before alarm bells start ringing.
This obsession with shipping addresses extends beyond just individual transaction history. PayPals algorithms analyze delivery locations across their entire network building heat maps of legitimate commerce versus suspicious activity. They know which zip codes have high fraud rates which addresses are associated with drops even which buildings tend to see unusual shipping patterns. Your seemingly innocent order gets run through this long list of location-based risk factors before it ever hits the payment processing stage.

But what makes PayPals fraud detection truly formidable is how it combines this shipping intelligence with their massive user data set. Nearly every adult in the US has interacted with PayPal at some point - whether through direct purchases receiving payments or just creating an account they never used. Each of these interactions feeds into their risk models creating an intricate web of trusted relationships and verified behaviors that's nearly impossible to penetrate with traditional carding techniques.
Why Bill=Ship Trick Doesn't Work

'But albanec why not just do bill=ship and contact the site afterwards?'

Good luck. Unlike regular credit card transactions most sites wont let you change jack shit once a PayPal payment goes through. And there's a damn good reason for that - PayPal is basically their fraud-free guarantee.
Think about it: When you pay with a credit card sites put you through a fraud checks upon fraud checks and all sorts of verification bullshit. But pay with PayPal? That shit gets packed and shipped next day no questions asked. Why? Because these merchants know PayPals fraud detection is god-tier. They've seen PayPals track record of shutting down fraudsters and they trust it more than their own mothers.
The merchants logic is simple: Nobodys stupid enough to try carding through PayPal. The risk models are too sophisticated and the data set is too massive. So when they see a PayPal payment come through they treat it like its blessed by the fraud prevention gods themselves as long as no info is changed after payment.
The Shipping Address Switcharoo
Here's where shit gets interesting. Remember that two-step PayPal Standard Checkout flow we talked about? That gap between authorization and final processing isn't just a quirk - its our fucking hammer. To better get the point across lets illustrate it with a random https://shopify.com store.

When you're dealing with a Shopify store using PayPal Standard Checkout here's how were gonna fuck with their system:

1. Add your shit to cart and proceed to checkout


2. At shipping info enter the CARDHOLDERS REAL ADDRESS
   • This is crucial - PayPal needs to see an address they trust
   
   
   • Make sure it matches what PayPal has on records for the card
   
   


3. Click 'Next' and on the payment page hit that 'Pay with PayPal' button
   • PayPal sees a trusted shipping address
   
   
   • Their fraud detection gets a warm fuzzy feeling
   
   
   • Authorization goes through clean as a whistle
   
   


4. Here's where the magic happens:
   • After PayPal authorization but BEFORE final confirmation
   
   
   • Shopify will let you 'review' (unless the store uses Express Checkout in which case it will proceed with the transaction instantly) your order one last time
   
   
   • This is when you switch that shipping address to your drop
   
   
   • PayPals already given their blessing they ain't checking again
   
   


5. Smash that final 'Pay Now' button
   • Transaction processes through PayPals pre-authorized token
   
   
   • Shopify gets your updated shipping info
   
   
   • Package heads to your drop instead of the cardholder
   
   

How and Why This Works Like A Charm
PayPals fraud detection happens during the initial authorization. Once they give that green light they trust the merchant to handle the rest. Sure merchants might send them the updated shipping address but thats rare as fuck. And even when they do you've already made it past the heavy-duty fraud detection during checkout - PayPals already done their deepest digging and given you their blessing.
Any store that allows us to modify the order before paying is our golden ticket. Its meant to let legitimate customers fix typos or last-minute address changes. Instead we will be using it to completely bypass PayPals sophisticated fraud detection. By the time the final transaction processes PayPals already moved on to scrutinizing the next poor bastard trying to card through their system.
Final Thoughts
So there you have it - the holy grail carding PayPal checkout laid bare. Were not just throwing shit at the wall here and hoping something sticks. This is calculated precise exploitation of a fundamental flaw in their checkout flow.
Remember though - this ain't some 'get rich quick' bullshit. PayPals fraud detection is still a beast.
And for fucks sake keep your OPSEC tight. Mix up your drops vary your purchase amounts and never reuse the same PayPal account twice.
Class dismissed. Now go make that money - just don't come crying to me when you fuck it up by cutting corners