torq

But I have seen these kind of attacks happen before on friends of mine who weren't as prepared or conscious of these things. And it's ugly. Everything crumbles, have to restart. So I figured out how to do it from an attackers perspective. With many variations, attacking many different vulnerabilities and mistakes. Then I obviously did not exploit them. But I ventured to the point where I knew I could click enter and do some damage. Then I patched my operation against all of those vulnerabilities. Honestly I did it all out of fear, paranoia. I wanted to protect my operation. So I had to think defensively. You wouldn't believe how fragile some of these MRR operations are. And they won't know until they do. I sure hell make sure I keep my shit locked down, strong obfuscation, strong defense. In all aspects. Some people might call it over the top But, that's just being naive. There's a lot of money in this game, money that the mafia would kill over. You don't think someone won't try blow all your shit up? C'mon.

Could never release this, completely illegal. Thread 👇

@d_grimripper This one has no mrr surprisingly

@torqmrr good plan... except there is no clickbank vendor doing $100m/month while processing all on Clickbank. The brazilians have come close, but they have MRR and they have CartPanda + Buygoods.

@d_grimripper Yes cartpanda too

You don't need an insane ROAS when you've got MRR. This offer is 1 & 1/2 months old, already scaling it up with the powerhouse of MRR behind it. Less ROAS More Volume More Subs More Money

@realcamdenb indeed

@torqmrr MRR is the way to go.

@4kingtheworld Not Kyle, Kyle’s cooking tho

@torqmrr No chance, is this Kyle?

Stay out of the FTCs Radar. The FTC being a government organization means that they don't make much money working there. For many at the FTC it's just a means to an end. Just don't be their means to that end. But it means that progressing their own self-interest from inside the FTC plays a factor, a big factor in who they prosecute. You'll see that they prosecute the big companies all the time. Facebook, Amazon, etc. And when they win, it's huge for their career. What they are looking for is a big gold medal to hang around their necks. Then, they quit the FTC. Go to a private law firm and flex their FTC Gold Medal to get a high paying position (more than they could ever make at the FTC) If you mitigate against being loud, especially online if it's tied to your face. It becomes less enticing to come after you. That in conjunction with operationally and legally separating the operation to be smaller than it is will help with this. This means you need to treat every LLC with care. If one gets super out of hand with too many BBB complaints, all it takes is a single subpoena, and they've revealed your whole operation They follow the money And the house of cards comes falling down, quickly. Capping the volume you process to a few hundred k per LLC is a good start If you do multiple 7figs per month, and don't disperse across multiple entities It becomes a very loud, and obvious point of failure, that wouldn't be a point of failure if it were spread across multiple entities. Theres also other things you need to do which I will post about

A friend I met at the gym in Bali went from doing 30k/month with normal ecom To $800k/month with ecom MRR He took some convincing, but my passion got through The classic moral objections came up I bulldozed through those. I just had to show him the math. Showed him how if he were to do mrr he could probably spend 3X the CPA of his competition. More money. A lot more money. Then he could actually scale instead of being eaten by his competition who is doing mrr. And yeah, he got into it I helped him out, guided him, gave him things ofc coz he’s my friend And a year later He’s at about 800k/month rn. Very smart guy. If you can make offers somewhat work without mrr Then you can thrive with MRR It’s just the economics Doing normal ecom is like trying to sprint with heavy ass ankle weights And mrr is running around without them Freedom.

@FinalPSD but she knows how to chargeback lol

if your demographic is much older you need to understand every little thing on your page is confusing to them this in turn leads to lower CVR's / higher refunds / higher cb's a grandma does not know to uncheck the add on boxes at checkout nor does she know how to swipe a testimonal to see more testimonals

@esotericnga haha yea, fundamentals lol

@torqmrr Lmfao ok bet

@esotericnga Ok I am doing an MRR DICTIONARY, definitions and explanations of all words. You'll be able to submit words you want me to add definitions to.

@torqmrr ISO BIN - Acquiring/Issuer CC, DC, VCC AVS CVS CVV AR) Batches Seltlements PCI Auth Void Decline Codes Decline Salvage Retry Salvage Dunning IC - Interchange Fee Reserve Cascading DBA

@swordmaster18 Yes

@torqmrr Voided cheque. Is that like voided check?

@ElPepito_br Jews are good when they’re on your side

@torqmrr Jew

I'm extending my pevious post about BIN mapping to increase your approval rates here: (This is getting a bit deep, but this context is important imo) So, BIN is only one part that determines the approval. VISA/MC send a request to the issuing bank and includes the BIN of your MID. (If the BIN stuff doesn't make sense read my other post about it) But aside from your MID BIN, they also include a few other things that also impact the decision to approve the transaction, or decline it. Many things you can control, in this post you'll get one of them. When VISA/MC create a payment request to the issuing bank These are the main fields included: (Card Data): (Amount): (POS Entry Mode): (Acquirer BIN for VISA): (ICA for MC): (MCC): (Merchant ID): (Merchant Name): (Currency): And some other ones like time and some other codes but these are the main ones that form and determine the approval of a transaction This post I want you to pay attention to the MCC field. MCC = Merchant Category Code The issuing bank gets your Merchant Category Code it basically gives them a category of what kind of products you sell. This MCC code is used in the issuing banks risk assessment to determine whether or not they will approve the transaction. There are MCC codes that approve at a much higher rate than others. For example your MCC code could be a code that means Retail. And by simply applying for a mid with a better MCC code category, you can increase the approval rates you're getting on the same traffic. Now you know two fields that has big determining factors on whether transactions approve at a high rate or not. And you can control both. You can get better MCC codes, and you can get a variety of Acquiring Bank MIDs. Another field that dramatically increases the Approval Rate more than anything I still haven't talked about, because you need some balls in order to actually leverage that one. I have heard allegations that a company is abusing this too. I will talk about it in the future, make sure to follow and shi.

@chaserago No problem, join up the server, more stuff like this in there

@torqmrr Okay. I have like a reading comprehension problem idk if im just retarded but shit confuses me easily and i gotta reread it a bit usually. i understand it now though thanks

BIN Mapping in MRR, Get Your Approval Rates To Their Maximum, & WHY It Works. People make BIN Mapping out to be a super complicated part of MRR, labeling it "smart routing", or "transaction level-routing" It's really simple stuff, when you actually look under the hood. It's literally an IF THEN statement just like most things in programming. But let's understand not just HOW to do it, but WHY it works the way it does. So, someone buys from you, your payment gateway tokenizes their card data (or not for you people raw dogging raw card details) In doing that, you get the BIN of the card holder, also know as the Issuer BIN. BIN stands for Bank Identification Number. In simple terms it's the identification number of the bank who issued that card. In any card transaction, there is an interaction between two BINs The Issuer BIN (bank of the card holder) and... The Acquiring BIN, the bank that created your Merchant Account (MID) Now this is an important part of why BIN mapping works, and yields different approval rates and responses. So here is it practically... You try charge a card holder The gateway sends a request over the card network to authorize a transaction The network relays the request over to the Card Holders Bank In that request, the card holders bank can see details about the merchant account that is wanting to authorize a transaction. Such as, the BIN of the merchant account or (the bank of the merchant account). The card holder bank sees the amount request, the BIN of the MID, and other details and returns either a success, or a decline code. There are many different decline codes, I'll keep that for another day. But, how does this relate to BIN mapping and increasing approval rates? Well, because the card holder bank makes the decision inside their system to approve the transaction, or decline it. This means not all card holder banks all share the same exact logic/rules to decide whether to approve, or deny a transaction. So maybe one bank (BIN) had received a lot of fraud from a certain Acquring bank BIN, so their system is more inclined to deny that transaction (and more likely to deny it, esp if it is a cvv not present transaction). Whilst another bank may have had historically less fraud or very little fraud from that same BIN, and is more likely to approve. Or maybe, the bank just doesn't have as strict decline rules/logic in place. This is why certain card holder BINs, yield different approval rates depending on which Acquiring Bank BIN (for your mid) you charge them on. So in BIN mapping in it's most simple (and honestly just this is great), all you are doing is looking over your historical data, looking at card holder BINs approval rates on the different range of Acquiring BIN Mids you have. And then you make a rule, to favor certain MIDs for certain Card Holder BINs. This is also why it's important to use a variety of Acquiring Banks for your MIDs.

@chaserago Is it the vocabulary? The abbreviations and shit etc. Or what don’t you understand, helps me tailor it to be more understandable

@torqmrr like it makes me feel retarded that i read this and just dont understand shit like my reading comprehension is ass

Is this the part where I get reported for sharing too much MRR info? In case I do get banned, join my discord link in bio. More freedom there.

@riskmaxxer It shall go on.

@torqmrr very interesting. very grateful ur explaining this typa shit that everyone seems to gatekeep. keep it going G