| Feature | Legitimate Merchant Gateway | Dark Web CVV Checker | Free Website Scam | | :--- | :--- | :--- | :--- | | | Legal (requires merchant account) | Illegal (felony) | Illegal / Phishing | | Requires bank auth | Yes (connects to Visa/MC) | Yes (via compromised website) | No (fake output) | | Cost | Monthly gateway fee + interchange | $2–$10 per check (crypto) | "Free" (steals your data) | | Accuracy | 100% (real bank response) | Variable (depends on hacked site) | 0% (random or fake) | | Typical user | E-commerce store owners | Cybercriminals ("carders") | Scam victims / curious noobs |