CVV Fullz Sales Are Illegal: Card Data Law Facts

There is no legal website that sells CVV fullz. A "fullz" is a set of stolen payment card records: card number, expiration date, CVV code, cardholder name, billing address, and sometimes a Social Security number. Selling that data is a federal crime in the United States. I cannot write a guide for selling it.

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What the law covers

18 U.S.C. Section 1029 covers fraud and related activity in connection with access devices. A payment card and its CVV code count as access devices. The statute reaches selling, transferring, and possessing card data with intent to defraud. Penalties for a first offense reach 10 years in prison plus fines. Aggravated cases reach 15 years.

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Why "no fee" claims appear

Sellers of stolen card data use "no fee" and "no escrow" as marketing. Those claims cannot be verified. Many such sites are fraud against their own buyers: the operator takes payment and delivers nothing. A buyer has no recourse, because the transaction itself is illegal. Disputes over stolen data cannot be filed with a bank or a court.

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Legitimate card processing

Merchants who want to accept card payments open an account with a bank or a registered ISO. Those accounts charge fees. They require identity checks, a business license, and often a processing history. Examples include Stripe, Square, and bank merchant services. None of them sell card data. None of them offer card data for resale.

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Penalties beyond prison

A conviction carries restitution to issuers and cardholders, supervised release, and a criminal record. Civil suits from banks can follow. Immigration status and professional licenses can be affected.

Reporting card fraud

Cardholders report fraud to the card issuer first. Reports also go to the FTC through IdentityTheft.gov and to the FBI Internet Crime Complaint Center. Issuers can reverse charges and reissue cards.